ALLIED CREDIT LIMITED

🌳Matureactive
03536573 · ltd · incorporated 1998-03-27
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 24.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (80/100, director aged 59). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 24.1y

85/100
ready

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

  • · Oldest live charge is 24.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
7 officers (2 active, 7 linked, 4 with DOB)
81
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
13 connected companies via shared directors
84
Filing history
81 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Average employees00

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
0
filings
Last 90 days
1
filing
  • • 1 persons-with-significant-control
Last 180 days
5
filings
  • • 1 persons-with-significant-control
  • • 1 mortgage
  • • 1 address
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2026-04-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-03-10
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2026-03-10
    🔓
    Charge satisfied #2
  4. 2026-02-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2026-01-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2025-10-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2025-01-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2024-01-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2023-04-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2022-01-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2021-04-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2020-12-31
    ➖
    STRINGER, Keith resigned
    director
  13. 2020-12-31
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2020-01-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2019-01-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2017-09-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2017-01-25
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2016-02-19
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  19. 2014-11-11
    🔓
    Charge satisfied #1
  20. 2014-03-31
    ➕
    STRINGER, Paul appointed
    director
  21. 2012-02-16
    ➕
    STRINGER, Keith appointed
    director
  22. 2009-03-17
    ➖
    BILINSKI, Kathleen Mary Laura resigned
    secretary
  23. 2002-05-02
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  24. 1999-06-08
    ➕
    BILINSKI, Kathleen Mary Laura appointed
    secretary
  25. 1999-06-08
    ➖
    STRINGER, Mark resigned
    secretary
  26. 1999-06-08
    ➖
    STRINGER, Sarah resigned
    director
  27. 1998-03-27
    🏢
    Company incorporated
    As ALLIED CREDIT LIMITED
  28. 1998-03-27
    ➕
    STRINGER, Mark appointed
    director
  29. 1998-03-27
    ➕
    STRINGER, Mark appointed
    secretary
  30. 1998-03-27
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  31. 1998-03-27
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  32. 1998-03-27
    ➕
    STRINGER, Sarah appointed
    director

Owner dependency

84/100
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 28 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100
Likely off-market candidate

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 28 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • 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

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Mark Stringer
Individual · British · DOB 04/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Paul Stinger
Individual · British · DOB 01/1970 · age 56
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Keith Stringer
Individual · British · DOB 11/1941 · age 85
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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

6 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
Incorporated1998-03-27
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

South Grove House
South Grove
Rotherham
S60 2AF
England

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-02-06
Last: 2026-01-23

Officers (2 active · 5 resigned)

STRINGER, Mark→
director · ~59y · appointed 1998-03-27
View their other companies + combined net worth →
Active
STRINGER, Paul→
director · ~56y · appointed 2014-03-31
View their other companies + combined net worth →
Active
BILINSKI, Kathleen Mary Laura→
secretary · appointed 1999-06-08 · resigned 2009-03-17
Resigned
STRINGER, Mark→
secretary · appointed 1998-03-27 · resigned 1999-06-08
Resigned
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 1998-03-27 · resigned 1998-03-27
Resigned
STRINGER, Keith→
director · ~85y · appointed 2012-02-16 · resigned 2020-12-31
Resigned
STRINGER, Sarah→
director · ~56y · appointed 1998-03-27 · resigned 1999-06-08
Resigned

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
TypeProperties
satisfied
Barclays
Barclays Bank PLC
A registered charge—19/02/201610/03/2026
satisfied
Barclays
Barclays Bank PLC
Guarantee & debenture1 property02/05/200211/11/2014

Recent filings (81 total)

change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-07
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-26
accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-19
change-person-director-company-with-change-date
officers · CH01
2025-10-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-12
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-31
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-17
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-19
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-21