YES CAR CREDIT LIMITED
⚰️Wound downdissolved
03459042 · ltd · incorporated 1997-10-31
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 28.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
51/100
Worth a look
What this business does
Primary activity: Non-trading company
Sector: Professional, scientific & technical
Investor take
Pass (distressed without resilience)Distressed dormant / non-trading — structural issues outweigh the discount.
Opportunity 51/100 (worth a look), bankability 60/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: share sale to pe / searcher (38/100). Current lenders should be on monthly review.
🏦
Refinance opportunity
2 live charges · oldest 28.5y
55/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 28.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 48/100 (high).
Data confidence
Overall: medium (61/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
43 officers (2 active, 43 linked, 35 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
18 connected companies via shared directors
90
Filing history
210 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
51/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
10
Concerning — overdue filings or status flags present.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
49
Multiple red flags — proceed with caution.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (111 events)Click to expand
- 2025-04-09⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2025-04-09🏁Company dissolved
- 2025-01-09⚠️liquidation-voluntary-members-return-of-final-meetinginsolvency · LIQ13
- 2025-01-02📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-10-15➖WHINCUP, David George resignedsecretary
- 2024-08-19⚠️liquidation-voluntary-declaration-of-solvencyinsolvency · LIQ01
- 2024-08-19⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2024-08-19📄resolutionresolution · RESOLUTIONS
- 2024-07-30📄capital-allotment-sharescapital · SH01
- 2023-12-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-11-30➕WATTS, David Michael, Mr. appointeddirector
- 2023-11-30➖CRONIN, Gareth resigneddirector
- 2023-08-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-08-07➕CRONIN, Gareth appointeddirector
- 2023-08-07➖KAPUR, Neeraj resigneddirector
- 2023-08-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-08-01➕MCLAUGHLIN, Ian Michael Brian appointeddirector
- 2023-08-01➖LE MAY, Malcolm John resigneddirector
- 2023-08-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-08-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-07-17📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-03-22📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2022-08-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-09-14📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-10-12📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-04-01➕KAPUR, Neeraj appointeddirector
- 2020-04-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-03-31➖THOMAS, Simon George resigneddirector
- 2020-03-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-12-03➖FISHER, Andrew Charles resigneddirector
- 2018-12-03➕THOMAS, Simon George appointeddirector
- 2018-07-16➕WHINCUP, David George appointedsecretary
- 2018-03-31➖WATTS, Paula resignedsecretary
- 2018-03-12➕LE MAY, Malcolm John appointeddirector
- 2017-08-21➖CROOK, Peter Stuart resigneddirector
- 2017-05-12➖VERSLUYS, Emma Gayle resignedsecretary
- 2017-05-12➕WATTS, Paula appointedsecretary
- 2009-12-31➖PLOWMAN, Stephen Russell resigneddirector
- 2007-02-01➕CROOK, Peter Stuart appointeddirector
- 2007-02-01➕FISHER, Andrew Charles appointeddirector
- 2007-02-01➖GLEN, Robert John resigneddirector
- 2007-02-01➖LINDSEY, Ian Walter resigneddirector
- 2006-04-28➖HARRISON, Richard resigneddirector
- 2006-04-28➖SHAW, Simon Andrew resigneddirector
- 2006-02-03➖COOPER, Julian Edward Peregrine resigneddirector
- 2006-02-03➖MACLEOD, Gregory Ian resigneddirector
- 2006-02-03➕PLOWMAN, Stephen Russell appointeddirector
- 2006-02-03➖YATES, Stuart William resigneddirector
Showing most recent 50 of 111 events
Owner dependency
66/100
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.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
2 high ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2025-04-09
4 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2025-04-09: gazette-dissolved-liquidation; 2025-01-09: liquidation-voluntary-members-return-of-final-meeting
Group structure
Vanquis Banking Group Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Vanquis Banking Group Plc
Corporate parent · holds 75-100% shares · board control
⬇
YES CAR CREDIT LIMITED
This company · 03459042
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 |
|---|---|---|---|---|
Vanquis Banking Group Plc Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 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 →Similar companies
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| ALFRED BAGNALL & SONS (SCOTLAND) LIMITED→ 06426027 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Statusdissolved
Typeltd
Incorporated1997-10-31
Jurisdictionengland-wales
Primary SIC74990 — Non-trading company
Registered office
No. 1 Godwin Street
Bradford
West Yorkshire
BD1 2SU
Filing status
Accounts
Next due: —
Last made up to: 2022-12-31
Confirmation statement
Next due: —
Last: 2023-09-30
Officers (0 active · 41 resigned)
MCLAUGHLIN, Ian Michael Brian→
Activedirector · ~60y · appointed 2023-08-01
View their other companies + combined net worth →
WATTS, David Michael, Mr.→
Activedirector · ~60y · appointed 2023-11-30
View their other companies + combined net worth →
MARSHALL SMITH, Rosamond Joy→
Resignedsecretary · appointed 2002-12-18 · resigned 2005-09-29
MEYRICK, Stephen John→
Resignedsecretary · appointed 1998-07-01 · resigned 2002-12-18
VERSLUYS, Emma Gayle→
Resignedsecretary · appointed 2005-09-29 · resigned 2017-05-12
WATTS, Paula→
Resignedsecretary · appointed 2017-05-12 · resigned 2018-03-31
WHINCUP, David George→
Resignedsecretary · appointed 2018-07-16 · resigned 2024-10-15
CLP COMPANY SECRETARIAL LIMITED→
Resignedcorporate-secretary · appointed 1997-11-14 · resigned 1997-11-26
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 1997-10-31 · resigned 1997-11-14
BROUGH, Gordon Haig→
Resigneddirector · ~67y · appointed 1997-11-14 · resigned 1997-11-26
COOPER, Julian Edward Peregrine→
Resigneddirector · ~64y · appointed 2005-09-29 · resigned 2006-02-03
CRONIN, Gareth→
Resigneddirector · ~51y · appointed 2023-08-07 · resigned 2023-11-30
CROOK, Peter Stuart→
Resigneddirector · ~63y · appointed 2007-02-01 · resigned 2017-08-21
DELANO, Julian→
Resigneddirector · ~61y · appointed 2003-05-21 · resigned 2004-06-30
DELANO, Julian→
Resigneddirector · ~61y · appointed 1997-12-17 · resigned 2002-12-18
DUNKLEY, Paul John→
Resigneddirector · ~68y · appointed 1997-12-17 · resigned 2002-12-10
FARBRIDGE, Caroline Louise→
Resigneddirector · ~60y · appointed 2003-09-30 · resigned 2004-12-31
FARBRIDGE, Caroline Louise→
Resigneddirector · ~60y · appointed 2002-12-18 · resigned 2003-05-21
FISHER, Andrew Charles→
Resigneddirector · ~68y · appointed 2007-02-01 · resigned 2018-12-03
GLEN, Robert John→
Resigneddirector · ~64y · appointed 2003-01-14 · resigned 2007-02-01
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 | Composite guarantee and debenture | 1 property | 26/07/1999 | 28/11/2005 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Composite guarantee and debenture | 1 property | 16/12/1997 | 25/04/2001 |
Recent filings (210 total)
gazette-dissolved-liquidation
gazette · GAZ2
2025-04-09
liquidation-voluntary-members-return-of-final-meeting
insolvency · LIQ13
2025-01-09
termination-secretary-company-with-name-termination-date
officers · TM02
2025-01-02
liquidation-voluntary-declaration-of-solvency
insolvency · LIQ01
2024-08-19
liquidation-voluntary-appointment-of-liquidator
insolvency · 600
2024-08-19
resolution
resolution · RESOLUTIONS
2024-08-19
capital-allotment-shares
capital · SH01
2024-07-30
appoint-person-director-company-with-name-date
officers · AP01
2023-12-05
termination-director-company-with-name-termination-date
officers · TM01
2023-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-05
appoint-person-director-company-with-name-date
officers · AP01
2023-08-14
termination-director-company-with-name-termination-date
officers · TM01
2023-08-07
termination-director-company-with-name-termination-date
officers · TM01
2023-08-01
appoint-person-director-company-with-name-date
officers · AP01
2023-08-01
accounts-with-accounts-type-dormant
accounts · AA
2023-07-17