CREDIT LIMITS LIMITED
🌳Matureactive
02122483 · ltd · incorporated 1987-04-13
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 36.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£147.8k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 69-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (78/100, director aged 69). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 36.9y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 36.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
114 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £147,793
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£148k
↑ 6.9% YoY
Current Assets
£166k
↓ 1.5% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £147.8k | £138.2k |
| Current assets | £166.4k | £169.0k |
| Net assets | £147.8k | £138.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.
Available from the Pro tier upwards.
See pricing →Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2026-02-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-04-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-22📄change-person-director-company-with-change-dateofficers · CH01
- 2021-07-21📄change-person-director-company-with-change-dateofficers · CH01
- 2021-06-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-05-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-06-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-06-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-06-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-07-15📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2017-06-15📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2008-07-17➖DISHMAN, Derek Raymond resignedsecretary
- 1998-08-22🔓Charge satisfied #2
- 1996-08-13➖GRIFFITHS, Anne resigneddirector
- 1991-11-26🔓Charge satisfied #1
- 1991-08-12🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 1989-08-11🔒Charge registered #1Lender: Lloyds Bank PLC
- 1987-04-13🏢Company incorporatedAs CREDIT LIMITS LIMITED
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 69 — succession pressure is live.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 39 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Susan Ellen Haber Individual · British · DOB 01/1957 · age 69 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/10/2016 |
Mr Derek Raymond Dishman Individual · British · DOB 05/1957 · age 69 | 25–50% | — | 25-50% shares | 01/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| BESPOKE INDEMNITY SOLUTIONS LTD→ 10220755 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CAM LAND (DURSLEY) LIMITED→ 10111687 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| CARR MITCHELL LIMITED→ 06913493 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CATALINA INVESTMENTS LIMITED→ 10429907 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CLARIDGES FINANCE LIMITED→ 11159434 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| COLESGROVE TRUSTEES LIMITED→ 00835100 · est 1965 · no financials extracted | — | — | — | — | 61y | — | — |
| COLINT LIMITED→ 14252877 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CONANCE LIMITED→ 01966411 · est 1985 · no financials extracted | — | — | — | — | 40y | — | — |
| CORAL BRIDGING LIMITED→ 12939911 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CORMEL2 LTD→ 14289424 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CREDIQO LTD→ 16743873 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CREWCOBRA LIMITED→ 03493956 · est 1998 · no financials extracted | — | — | — | — | 28y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →🔒Advanced scoring suite
Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Statusactive
Typeltd
Incorporated1987-04-13
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
21 Carnarvon Road
Barnet
Herts
EN5 4LX
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-07-23
Last: 2026-07-09
Officers (2 active · 2 resigned)
Active
Active
DISHMAN, Derek Raymond→
Resignedsecretary · resigned 2008-07-17
GRIFFITHS, Anne→
Resigneddirector · ~78y · resigned 1996-08-13
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 12/08/1991 | 22/08/1998 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Single | 1 property | 11/08/1989 | 26/11/1991 |
Recent filings (114 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-15
accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-09
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-02
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-09
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-24
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-23
change-person-director-company-with-change-date
officers · CH01
2021-07-22
change-person-director-company-with-change-date
officers · CH01
2021-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-21
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-05-18