CROCUS HOME LOANS LIMITED

🌳Matureactive

02492014 · ltd · incorporated 1990-04-11

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

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (56/100)

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

No iXBRL financials extracted

Lenders & charges

Confirmed no charges registered

Directors & officers

59 officers (11 active, 59 linked, 50 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

1 connected companies via shared directors

Filing history

195 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

• 1 accounts
• 1 confirmation-statement

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement
• 1 officers

Counts from Companies House filing history.

Corporate timeline (125 events)Click to expand

2026-04-18
📄
accounts-with-accounts-type-full
accounts · AA
2026-02-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-02-17
➕
BANJO, Olubunmi Adeola appointed
director
2025-11-18
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-11-10
➖
MILLS, Maurice Leyton resigned
director
2025-10-04
📄
accounts-with-accounts-type-full
accounts · AA
2025-04-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-04-20
➕
HATCHMAN, Maria Alexandra appointed
director
2024-10-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-10-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-10-01
➕
CHA, Angela appointed
director
2024-10-01
➕
WILSON, Louise Elizabeth appointed
director
2024-09-19
➖
DUNN, Geoffrey Richard resigned
director
2024-09-19
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-08-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-08-01
➕
PRESTON, Mark Jeffrey appointed
director
2024-06-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-05-31
➖
ZAREMBA, Jennifer Ann resigned
director
2024-04-12
📄
accounts-with-accounts-type-full
accounts · AA
2024-03-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-14
➕
DUNN, Geoffrey Richard appointed
director
2024-03-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-02-21
➖
ANDERSON, Barbara resigned
director
2023-09-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-09-01
➕
CARTELLIERI KARLSEN, Caroline Beate appointed
director
2023-07-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-07-11
➕
MILLS, Maurice Leyton appointed
director
2023-04-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-04-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-04-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-04-18
➖
BARR, Thomas Gary resigned
director
2023-04-18
➖
HOLDEN, Neil Jonathan resigned
director
2023-04-18
➖
TREBLE, Nicholas John resigned
director
2023-03-08
📄
accounts-with-accounts-type-full
accounts · AA
2023-01-31
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-01-31
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-01-18
➕
ANDERSON, Barbara appointed
director
2023-01-18
➖
SLATER, Trevor resigned
director
2022-09-01
➕
SAGGU, Jasvinder Singh, Dr appointed
director
2022-03-01
➕
PENBERTHY-SMITH, John William appointed
director
2021-01-04
➕
LITTEN, Robin Stephen Patrick appointed
director
2020-06-01
➕
SLATER, Trevor appointed
director
2020-05-01
➕
RENDELL, David Richard appointed
director
2020-04-30
➖
DUNN, Geoffrey Richard resigned
director
2020-04-30
➖
KELLY, Elizabeth Janet resigned
director
2019-11-28
➖
GARNER, Darren Lee resigned
director
2018-11-19
➖
HOWE, Sarah Anne resigned
director
2016-04-20
➖
SMITH, Jan Eileen resigned
director
2016-04-20
➖
WILSON, Charles Richard Lorimer resigned
director
2015-09-14
➕
GARNER, Darren Lee appointed
director

Showing most recent 50 of 125 events

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-11 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

63/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
secondary12+ year tenure: Director in role 12 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Saffron Building Society is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Saffron Building Society

Corporate parent · holds 75-100% shares

ultimate parent

⬇

CROCUS HOME LOANS LIMITED

This company · 02492014

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Saffron Building Society Corporate entity	75–100%	—	75-100% shares	06/04/2016

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 →

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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.

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Company details

Statusactive

Typeltd

Incorporated1990-04-11

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Saffron House

1a Market Street

Saffron Walden Essex

CB10 1HX

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2027-04-14

Last: 2026-03-31