APEX CREDIT MANAGEMENT LIMITED
🌳Matureactive
03967099 · ltd · incorporated 2000-04-07
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
60/100
Worth a look
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 60/100 (worth a look), bankability 57/100. Biggest value-creation lever: Consolidate lender relationships. 16 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (50/100).
🏦
Refinance opportunity
28 live charges · 16 lenders · oldest 25.8y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 25.8 years old — likely at or near maturity.
- · 16 lenders named — inter-creditor friction likely.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: medium (60/100)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
28 charges (28/28 with lender, 28/28 with type)
90
Directors & officers
35 officers (3 active, 35 linked, 24 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
13 connected companies via shared directors
84
Filing history
197 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
60/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
48
Multiple red flags — proceed with caution.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
3
filings
- • 2 mortgage
- • 1 confirmation-statement
Last 180 days
3
filings
- • 2 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (126 events)Click to expand
- 2026-05-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-28🔒Charge registered #27Lender: Truist Bank
- 2026-05-22🔒Charge registered #28Lender: Truist Bank
- 2025-10-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-01🔒Charge registered #26Lender: Truist Bank
- 2025-08-22📄accounts-with-accounts-type-fullaccounts · AA
- 2025-07-22📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2025-07-22📄legacycapital · SH20
- 2025-07-22⚠️legacyinsolvency · CAP-SS
- 2025-07-22📄resolutionresolution · RESOLUTIONS
- 2024-09-30➕BASSETT, Lucy Marie appointedsecretary
- 2024-09-30📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-08-30📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-08-15📄accounts-with-accounts-type-fullaccounts · AA
- 2024-08-11➖WHITELEY, Sarah resignedsecretary
- 2024-05-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-21🔒Charge registered #25Lender: Truist Bank
- 2024-03-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-20🔒Charge registered #24Lender: Truist Bank
- 2023-10-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-16🔒Charge registered #23Lender: Truist Bank
- 2023-10-05📄accounts-with-accounts-type-fullaccounts · AA
- 2022-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-10-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-09-30➕GRAHAM, Jonathan Andrew appointeddirector
- 2021-09-30➖MORRIS, Jonathan Barrie resigneddirector
- 2021-09-29📄accounts-with-accounts-type-fullaccounts · AA
- 2021-06-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-01🔒Charge registered #22Lender: Truist Bank
- 2020-12-31➕JENKINS, Paul appointeddirector
- 2020-12-31➖USHER, Derek George resigneddirector
- 2020-12-21🔒Charge registered #21Lender: Truist Bank
- 2020-11-23🔒Charge registered #20Lender: Truist Bank
- 2020-09-24🔒Charge registered #19Lender: Truist Bank
- 2020-05-12➖BUICK, Craig Anthony resigneddirector
- 2020-05-12➕MORRIS, Jonathan Barrie appointeddirector
- 2020-01-23➕USHER, Derek George appointeddirector
- 2019-12-31➖STANNARD, Kenneth John resigneddirector
- 2019-06-14🔒Charge registered #18Lender: J.P. Morgan Europe Limited as Trustee for Each of the Secured Parties.
- 2019-03-29➖TAGGART, Charlotte resignedsecretary
- 2019-03-29➕WHITELEY, Sarah appointedsecretary
- 2018-07-18🔒Charge registered #17Lender: J.P. Morgan Europe Limited as Security Agent (As Trustee for Each of the Secured Parties)
- 2018-02-02🔒Charge registered #16Lender: J.P. Morgan Europe Limited as Security Agent (As Trustee for Each of the Secured Parties)
- 2016-10-06🔒Charge registered #15Lender: J.P. Morgan Europe Limited
- 2015-12-31➕BUICK, Craig Anthony appointeddirector
- 2015-12-31➖ROSS-ROBERTS, Christopher Michael David resigneddirector
- 2015-11-11🔒Charge registered #14Lender: J.P Morgan Europe Limited (As Trustee for Each of the Secured Parties)
- 2015-06-01🔒Charge registered #13Lender: J.P. Morgan Europe Limited as Security Agent (As Trustee for Each of the Secured Parties
Showing most recent 50 of 126 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 high · 2 med · 1 low1 insolvency-related filing on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2025-07-22: legacy
3 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-05-28: A registered charge; 2026-05-22: A registered charge; 2025-10-01: A registered charge
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
18 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Cabot Financial Debt Recovery Services Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Cabot Financial Debt Recovery Services Limited
Corporate parent · holds 75-100% shares
⬇
APEX CREDIT MANAGEMENT LIMITED
This company · 03967099
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 |
|---|---|---|---|---|
Cabot Financial Debt Recovery Services Limited 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 →Similar companies
Active · Financial services · ME postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ABA INSURANCE COMMERCIAL LIMITED→ 10778761 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ABLESTOKE WEALTH MANAGEMENT LIMITED→ 06770628 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ADVISOR HUB LIMITED→ 16162753 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AMBERSMITH WEALTH CONSULTANCY LTD→ 11188126 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ANDREW RAY MORTGAGES LTD→ 11474366 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| APPLY MORTGAGE PROTECTION LTD→ 11642588 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ARPEE CONSULTING LIMITED→ 16164905 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ARROWSMITH CONSULTANTS LIMITED→ 09948004 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| AS WEALTH MANAGEMENT LIMITED→ 08959252 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ASC FINANCE LTD→ 16463659 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ASCENSION MORTGAGES AND PROTECTION LTD→ 12928939 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ASCOT WM STAR LIMITED→ 16854248 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Statusactive
Typeltd
Incorporated2000-04-07
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
1 Kings Hill Avenue
Kings Hill
West Malling
ME19 4UA
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-04-30
Last: 2026-04-16
Officers (3 active · 32 resigned)
BASSETT, Lucy Marie→
Activesecretary · appointed 2024-09-30
View their other companies + combined net worth →
GRAHAM, Jonathan Andrew→
Activedirector · ~57y · appointed 2021-09-30
View their other companies + combined net worth →
JENKINS, Paul→
Activedirector · ~57y · appointed 2020-12-31
View their other companies + combined net worth →
CARTWRIGHT, Peter Bramwell→
Resignedsecretary · appointed 2007-11-13 · resigned 2008-01-04
MCCORMICK, Andrew Sawers→
Resignedsecretary · appointed 2005-03-03 · resigned 2007-11-13
MCMANUS, Douglas James→
Resignedsecretary · appointed 2000-05-31 · resigned 2005-03-03
RANDALL, John David→
Resignedsecretary · appointed 2012-08-01 · resigned 2012-12-05
TAGGART, Charlotte→
Resignedsecretary · appointed 2015-01-02 · resigned 2019-03-29
TELFORD, Juliet Sarah→
Resignedsecretary · appointed 2008-04-18 · resigned 2011-01-12
WELLINGHOFF, Willem Pieter→
Resignedsecretary · appointed 2012-12-05 · resigned 2015-01-02
WHITELEY, Sarah→
Resignedsecretary · appointed 2019-03-29 · resigned 2024-08-11
FIRST SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2000-04-07 · resigned 2000-05-31
BUICK, Craig Anthony→
Resigneddirector · ~57y · appointed 2015-12-31 · resigned 2020-05-12
CARTWRIGHT, Peter Bramwell→
Resigneddirector · ~61y · appointed 2007-11-13 · resigned 2008-01-04
CLYNE, Neil→
Resigneddirector · ~67y · appointed 2007-11-13 · resigned 2014-02-13
CRAWFORD, Glen Paul→
Resigneddirector · ~58y · appointed 2011-06-08 · resigned 2013-05-15
FRASER, Paul Francis→
Resigneddirector · ~66y · appointed 2005-03-03 · resigned 2007-11-13
LANGHORN, John Adrian→
Resigneddirector · ~86y · appointed 2002-10-30 · resigned 2005-03-03
MCCORMICK, Andrew Sawers→
Resigneddirector · ~71y · appointed 2005-03-03 · resigned 2007-11-13
MCHALE, Jarlath James→
Resigneddirector · ~68y · appointed 2005-03-03 · resigned 2006-07-07
Click a director name to see their full track record across all companies.
Mortgages & charges
28
Total charges
18
Outstanding
8
Active lenders
Status:Lender:28 of 28 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Truist Bank | A registered charge | 1 property | 28/05/2026 | — | |
| outstanding | Truist Bank | A registered charge | 1 property | 22/05/2026 | — | |
| outstanding | Truist Bank | A registered charge | 1 property | 01/10/2025 | — | |
| outstanding | Truist Bank | A registered charge | 1 property | 21/05/2024 | — | |
| outstanding | Truist Bank | A registered charge | 1 property | 20/03/2024 | — | |
| outstanding | Truist Bank | A registered charge | 1 property | 16/10/2023 | — | |
| outstanding | Truist Bank | A registered charge | 1 property | 01/06/2021 | — | |
| outstanding | Truist Bank | A registered charge | 1 property | 21/12/2020 | — | |
| outstanding | Truist Bank | A registered charge | 1 property | 23/11/2020 | — | |
| outstanding | Truist Bank | A registered charge | 1 property | 24/09/2020 | — | |
| outstanding | J.P. Morgan Europe as Trustee for Each of the Secured Parties. J.P. Morgan Europe Limited as Trustee for Each of the Secured Parties. | A registered charge | 3 properties | 14/06/2019 | — | |
| outstanding | J.P. Morgan Europe as Security Agent (As Trustee for Each of the Secured Parties) J.P. Morgan Europe Limited as Security Agent (As Trustee for Each of the Secured Parties) | A registered charge | — | 18/07/2018 | — | |
| outstanding | J.P. Morgan Europe as Security Agent (As Trustee for Each of the Secured Parties) J.P. Morgan Europe Limited as Security Agent (As Trustee for Each of the Secured Parties) | A registered charge | — | 02/02/2018 | — | |
| outstanding | J.P. Morgan Europe J.P. Morgan Europe Limited | A registered charge | — | 06/10/2016 | — | |
| outstanding | J.P Morgan Europe (As Trustee for Each of the Secured Parties) J.P Morgan Europe Limited (As Trustee for Each of the Secured Parties) | A registered charge | — | 11/11/2015 | — | |
| outstanding | J.P. Morgan Europe as Security Agent (As Trustee for Each of the Secured Parties J.P. Morgan Europe Limited as Security Agent (As Trustee for Each of the Secured Parties | A registered charge | — | 01/06/2015 | — | |
| outstanding | J.P. Morgan Europe (As Security Agent) J.P. Morgan Europe Limited (As Security Agent) | A registered charge | — | 05/02/2015 | — | |
| outstanding | J.P. Morgan Europe as Trustee for the Secured Parties J.P. Morgan Europe Limited as Trustee for the Secured Parties | Debenture | 1 property | 20/09/2012 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC (As Security Agent) | Fixed and floating security document | 1 property | 21/02/2012 | 11/01/2013 | |
| satisfied | Barclays Barclays Bank PLC (As Security Agent) | Fixed and floating security document | 1 property | 14/07/2011 | 11/01/2013 | |
| satisfied | Barclays Barclays Bank PLC (As Security Agent) | Fixed and floating security document | 1 property | 06/04/2011 | 11/01/2013 | |
| satisfied | I M Properties (Hemel) I M Properties (Hemel) Limited | Rent deposit deed | 1 property | 05/03/2010 | 20/06/2013 | |
| satisfied | Aldermore Aldermore Bank PLC | Debenture | 1 property | 28/08/2009 | 20/04/2011 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 17/09/2008 | 20/04/2011 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 03/10/2006 | 29/01/2008 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Scotland PLC | Debenture | 1 property | 03/03/2005 | 15/06/2007 | |
| satisfied | Pettifer Group Pettifer Group Limited | Rent deposit deed | 1 property | 09/06/2003 | 29/03/2011 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 22/09/2000 | 23/03/2005 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (197 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-28
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-02
accounts-with-accounts-type-full
accounts · AA
2025-08-22
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2025-07-22
legacy
capital · SH20
2025-07-22
legacy
insolvency · CAP-SS
2025-07-22
resolution
resolution · RESOLUTIONS
2025-07-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-24
appoint-person-secretary-company-with-name-date
officers · AP03
2024-09-30
termination-secretary-company-with-name-termination-date
officers · TM02
2024-08-30
accounts-with-accounts-type-full
accounts · AA
2024-08-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-16