CENTRAL LOANS LIMITED
🌳Matureactive
04205508 · ltd · incorporated 2001-04-25
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 24.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 68-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (73/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 24.9y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 24.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 20/100 — clean.
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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
25 officers (5 active, 25 linked, 18 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
203 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
6
filings
- • 2 officers
- • 1 resolution
- • 1 accounts
Last 180 days
9
filings
- • 3 officers
- • 2 resolution
- • 2 capital
Counts from Companies House filing history.
Corporate timeline (75 events)Click to expand
- 2026-05-24📄resolutionresolution · RESOLUTIONS
- 2026-05-14📄accounts-with-accounts-type-fullaccounts · AA
- 2026-05-07📄capital-allotment-sharescapital · SH01
- 2026-05-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-04-30➖GLEN, Eleanor Alice resigneddirector
- 2026-04-28📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-14📄resolutionresolution · RESOLUTIONS
- 2026-02-09📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-05📄capital-allotment-sharescapital · SH01
- 2025-12-28📄resolutionresolution · RESOLUTIONS
- 2025-12-19📄capital-allotment-sharescapital · SH01
- 2025-12-03📄resolutionresolution · RESOLUTIONS
- 2025-11-28📄capital-allotment-sharescapital · SH01
- 2025-10-10📄resolutionresolution · RESOLUTIONS
- 2025-10-07📄capital-allotment-sharescapital · SH01
- 2025-09-02📄resolutionresolution · RESOLUTIONS
- 2025-08-29📄capital-allotment-sharescapital · SH01
- 2025-07-04📄resolutionresolution · RESOLUTIONS
- 2025-07-01📄capital-allotment-sharescapital · SH01
- 2025-05-13📄resolutionresolution · RESOLUTIONS
- 2025-05-01📄capital-allotment-sharescapital · SH01
- 2025-04-15📄accounts-with-accounts-type-fullaccounts · AA
- 2025-04-07📄resolutionresolution · RESOLUTIONS
- 2025-03-31📄capital-allotment-sharescapital · SH01
- 2024-12-03➕GLEN, Eleanor Alice appointeddirector
- 2024-11-01➕CROSS, Tara appointedsecretary
- 2024-11-01➖RICHARDSON, Anthony resignedsecretary
- 2023-11-03➕NOBBS, Steven Robert appointeddirector
- 2022-10-18➕ZAMMIT, Paul John David appointeddirector
- 2021-10-31➖MCGRATH, Ryan James resigneddirector
- 2018-04-30➖MCMAHON, Jane Elizabeth resigneddirector
- 2018-02-28➖KEANE, Kevin Patrick resigneddirector
- 2017-01-16➕HOLLANDER, Paul Joseph appointeddirector
- 2017-01-16➖EKE, Graham Charles resigneddirector
- 2016-10-14➕MCMAHON, Jane Elizabeth appointeddirector
- 2016-09-19➖PAINTER, Jonathan David resigneddirector
- 2014-06-02➖BRAY, Jonathan resigneddirector
- 2012-11-27➕KEANE, Kevin Patrick appointeddirector
- 2012-03-19➕BRAY, Jonathan appointeddirector
- 2011-07-11➕EKE, Graham Charles appointeddirector
- 2011-01-07➖ROWETT, Charles Francis Sam resigneddirector
- 2010-02-04🔓Charge satisfied #3
- 2010-02-04🔓Charge satisfied #2
- 2009-11-26➕ROWETT, Charles Francis Sam appointeddirector
- 2009-11-12➖MASDING, Jeremy John resigneddirector
- 2009-06-30➕PAINTER, Jonathan David appointeddirector
- 2009-05-19➖FAIRMAN, Richard William Mark resigneddirector
- 2009-04-09➕MCGRATH, Ryan James appointeddirector
- 2009-03-24➖TURNER, Sharon Leigh resigneddirector
- 2008-03-20➕RICHARDSON, Anthony appointedsecretary
Showing most recent 50 of 75 events
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
70/100
Strong succession signalMultiple 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.
- primary20+ year tenure: Director in role 25 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
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Norfolk Capital Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Norfolk Capital Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
CENTRAL LOANS LIMITED
This company · 04205508
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 |
|---|---|---|---|---|
Norfolk Capital Group Limited 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
Active · Financial services · NR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ATOMIC 42 LTD→ 14183305 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AUDEO FS LIMITED→ 11140398 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BAURENCLY LTD→ 16568735 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BEECHWOOD IFA LTD→ 10307783 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BRANCASTER HOUSE FINANCIAL PLANNING LTD→ 13000271 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BUNN HOLDINGS LIMITED→ 11492090 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| C P WILKINSON FINANCIAL SERVICES LTD→ 08196446 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| CAVAN→ 16862071 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CHADWICKS ENTERPRISE LIMITED→ 09788588 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CHADWICKS INVESTMENT MANAGEMENT LIMITED→ 12052167 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CHADWICKS LIMITED→ 03292960 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| CHARLES-MAYO FINANCIAL ADVISERS LIMITED→ 14783064 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2001-04-25
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
25-27 Surrey Street
Norwich
Norfolk
NR1 3NX
England
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-05-09
Last: 2026-04-25
Officers (5 active · 20 resigned)
Active
HOLLANDER, Paul Joseph→
Activedirector · ~46y · appointed 2017-01-16
View their other companies + combined net worth →
NOBBS, Steven Robert→
Activedirector · ~48y · appointed 2023-11-03
View their other companies + combined net worth →
TURNER, Andrew Clive→
Activedirector · ~68y · appointed 2001-05-08
View their other companies + combined net worth →
ZAMMIT, Paul John David→
Activedirector · ~41y · appointed 2022-10-18
View their other companies + combined net worth →
RICHARDSON, Anthony→
Resignedsecretary · appointed 2008-03-20 · resigned 2024-11-01
SULLIVAN, John Terance→
Resignedsecretary · appointed 2005-02-17 · resigned 2007-09-14
TURNER, Sharon Leigh→
Resignedsecretary · appointed 2007-09-14 · resigned 2008-03-20
TURNER, Sharon Leigh→
Resignedsecretary · appointed 2001-05-08 · resigned 2005-02-17
HALLMARK SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2001-04-25 · resigned 2001-05-08
BRAY, Jonathan→
Resigneddirector · ~70y · appointed 2012-03-19 · resigned 2014-06-02
CHAPMAN, Nicholas James Alfred→
Resigneddirector · ~66y · appointed 2006-05-23 · resigned 2007-12-31
EKE, Graham Charles→
Resigneddirector · ~51y · appointed 2011-07-11 · resigned 2017-01-16
FAIRMAN, Richard William Mark→
Resigneddirector · ~59y · appointed 2007-12-31 · resigned 2009-05-19
GLEN, Eleanor Alice→
Resigneddirector · ~29y · appointed 2024-12-03 · resigned 2026-04-30
KEANE, Kevin Patrick→
Resigneddirector · ~55y · appointed 2012-11-27 · resigned 2018-02-28
MASDING, Jeremy John→
Resigneddirector · ~61y · appointed 2007-12-31 · resigned 2009-11-12
MCGRATH, Ryan James→
Resigneddirector · ~53y · appointed 2009-04-09 · resigned 2021-10-31
MCGRATH, Ryan James→
Resigneddirector · ~53y · appointed 2004-09-15 · resigned 2007-12-31
MCMAHON, Jane Elizabeth→
Resigneddirector · ~72y · appointed 2016-10-14 · resigned 2018-04-30
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Australia Bank National Australia Bank Limited | Guarantee & debenture | 1 property | 13/09/2005 | 04/02/2010 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Second debenture | 1 property | 13/09/2005 | 04/02/2010 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Debenture | 1 property | 29/08/2001 | 07/12/2005 |
Recent filings (203 total)
resolution
resolution · RESOLUTIONS
2026-05-24
accounts-with-accounts-type-full
accounts · AA
2026-05-14
capital-allotment-shares
capital · SH01
2026-05-07
termination-director-company-with-name-termination-date
officers · TM01
2026-05-07
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-28
change-person-director-company-with-change-date
officers · CH01
2026-04-28
resolution
resolution · RESOLUTIONS
2026-02-14
change-person-director-company-with-change-date
officers · CH01
2026-02-09
capital-allotment-shares
capital · SH01
2026-02-05
resolution
resolution · RESOLUTIONS
2025-12-28
capital-allotment-shares
capital · SH01
2025-12-19
resolution
resolution · RESOLUTIONS
2025-12-03
capital-allotment-shares
capital · SH01
2025-11-28
resolution
resolution · RESOLUTIONS
2025-10-10
capital-allotment-shares
capital · SH01
2025-10-07