GOLF CREDIT LTD

🌳Matureactive
02997160 · ltd · incorporated 1994-12-01
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 20.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 73-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 73). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 20.8y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 20.8 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
10 officers (2 active, 10 linked, 4 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
101 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
3
filings
  • • 1 persons-with-significant-control
  • • 1 officers
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
  1. 2026-04-01
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  2. 2026-04-01
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  3. 2026-03-30
    ➕
    BOOTH, Simon Glynn appointed
    director
  4. 2026-01-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2025-10-18
    ➖
    DAVIS, Jill resigned
    director
  6. 2025-10-18
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2025-01-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2023-05-31
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2023-04-06
    ➕
    DAVIS, Jill appointed
    director
  11. 2022-08-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2022-04-05
    📄
    capital-alter-shares-redemption-statement-of-capital
    capital · SH02
  13. 2021-05-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2020-11-25
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2020-10-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2020-08-21
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  17. 2019-10-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  18. 2018-12-11
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  19. 2018-01-02
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  20. 2014-11-20
    ➖
    DAVIS, Felicity Ann resigned
    secretary
  21. 2013-07-06
    🔓
    Charge satisfied #1
  22. 2005-09-21
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  23. 2000-05-04
    ➕
    DAVIS, Felicity Ann appointed
    secretary
  24. 2000-05-04
    ➖
    SPENCER, Shirley Ann resigned
    secretary
  25. 1998-06-10
    ➕
    SPENCER, Shirley Ann appointed
    secretary
  26. 1998-04-27
    ➖
    DAVIS, Elaine resigned
    secretary
  27. 1996-01-16
    ➕
    DAVIS, Elaine appointed
    secretary
  28. 1996-01-16
    ➖
    DAVIS, Raymond John resigned
    secretary
  29. 1995-05-10
    ➖
    ASKEW, Paul Edward resigned
    director
  30. 1994-12-01
    🏢
    Company incorporated
    As GOLF CREDIT LTD
  31. 1994-12-01
    ➕
    DAVIS, Raymond John appointed
    director
  32. 1994-12-01
    ➕
    DAVIS, Raymond John appointed
    secretary
  33. 1994-12-01
    ➕
    SAME-DAY COMPANY SERVICES LIMITED appointed
    corporate-nominee-secretary
  34. 1994-12-01
    ➖
    SAME-DAY COMPANY SERVICES LIMITED resigned
    corporate-nominee-secretary
  35. 1994-12-01
    ➕
    ASKEW, Paul Edward appointed
    director
  36. 1994-12-01
    ➕
    WILDMAN & BATTELL LIMITED appointed
    corporate-nominee-director
  37. 1994-12-01
    ➖
    WILDMAN & BATTELL LIMITED resigned
    corporate-nominee-director

Owner dependency

83/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 73 — succession pressure is live.

Succession & seller-readiness

86/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
  • 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.)

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Raymond John Davis
Individual · British · DOB 07/1953 · age 73
75–100%
—75-100% shares06/04/2016
Mr Simon Glynn Booth
Individual · British · DOB 08/1973 · age 53
——sig. influencesignificant influence30/03/2026

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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated1994-12-01
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.

Registered office

Meadow View
Shirley Heights
Poulton-Le-Fylde
FY6 7ES
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-11
Last: 2026-03-28

Officers (2 active · 8 resigned)

BOOTH, Simon Glynn→
director · ~53y · appointed 2026-03-30
View their other companies + combined net worth →
Active
DAVIS, Raymond John→
director · ~73y · appointed 1994-12-01
View their other companies + combined net worth →
Active
DAVIS, Elaine→
secretary · appointed 1996-01-16 · resigned 1998-04-27
Resigned
DAVIS, Felicity Ann→
secretary · appointed 2000-05-04 · resigned 2014-11-20
Resigned
DAVIS, Raymond John→
secretary · appointed 1994-12-01 · resigned 1996-01-16
Resigned
SPENCER, Shirley Ann→
secretary · appointed 1998-06-10 · resigned 2000-05-04
Resigned
SAME-DAY COMPANY SERVICES LIMITED→
corporate-nominee-secretary · appointed 1994-12-01 · resigned 1994-12-01
Resigned
ASKEW, Paul Edward→
director · ~59y · appointed 1994-12-01 · resigned 1995-05-10
Resigned
DAVIS, Jill→
director · ~63y · appointed 2023-04-06 · resigned 2025-10-18
Resigned
WILDMAN & BATTELL LIMITED→
corporate-nominee-director · appointed 1994-12-01 · resigned 1994-12-01
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
HSBC
Hsbc Bank PLC
Debenture1 property21/09/200506/07/2013

Recent filings (101 total)

notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-04-01
appoint-person-director-company-with-name-date
officers · AP01
2026-04-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-08
termination-director-company-with-name-termination-date
officers · TM01
2025-10-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-18
appoint-person-director-company-with-name-date
officers · AP01
2023-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-28
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-08-31
capital-alter-shares-redemption-statement-of-capital
capital · SH02
2022-04-05
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-02