A B CREDIT LIMITED

💤Zombieactive

04403252 · ltd · incorporated 2002-03-25

Investment thesis

Zombie company — trading but stalled; unlikely mover.

Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.

Why risky: No growth signal; thin margin for error on price.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

—

book net assets

Opportunity

80/100

Exceptional

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: SIC 99999

Sector: Extraterritorial bodies

Investor take

Pursue

Active trading company with a 66-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: high (81/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (1 active, 2 linked, 1 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

10 connected companies via shared directors

Filing history

61 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (19 events)Click to expand

2025-11-21
📄
accounts-with-accounts-type-dormant
accounts · AA
2024-11-21
📄
accounts-with-accounts-type-dormant
accounts · AA
2023-11-27
📄
accounts-with-accounts-type-dormant
accounts · AA
2022-11-24
📄
accounts-with-accounts-type-dormant
accounts · AA
2021-11-23
📄
accounts-with-accounts-type-dormant
accounts · AA
2021-02-24
📄
accounts-with-accounts-type-dormant
accounts · AA
2019-12-09
📄
accounts-with-accounts-type-dormant
accounts · AA
2018-12-06
📄
accounts-with-accounts-type-dormant
accounts · AA
2017-12-28
📄
accounts-with-accounts-type-dormant
accounts · AA
2016-12-05
📄
accounts-with-accounts-type-dormant
accounts · AA
2016-04-10
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-04-10
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2015-12-11
📄
accounts-with-accounts-type-dormant
accounts · AA
2015-04-15
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2015-04-14
📄
gazette-notice-compulsory
gazette · GAZ1
2011-04-04
➖
BAINS, Ranbir Singh resigned
secretary
2002-03-25
🏢
Company incorporated
As A B CREDIT LIMITED
2002-03-25
➕
BAINS, Amarjit Kaur appointed
director
2002-03-25
➕
BAINS, Ranbir Singh appointed
secretary

Owner dependency

100/100

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

+Sole director: Only one active director — all governance concentrated on one person.
+Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 66 — succession pressure is live.

Succession & seller-readiness

95/100

Likely off-market candidate

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 24 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

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mrs Amarjit Kaur Bains Individual · British · DOB 09/1960 · age 66	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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126 ALDENHAM ROAD LTD→ 09072417 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
3D INTERNATIONAL GROUP LLP→ OC450301 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
44 OXFORD ROAD LIMITED→ 09712464 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
4D DEVELOPMENTS LTD→ 10014418 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
4D RC FRAME AND GROUNDWORKS LTD→ 10014494 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
60 PENYSTON MANAGEMENT LIMITED→ 02576138 · est 1991 · no financials extracted	—	—	—	—	35y	—	—
7 GUYS LLP→ OC431054 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
74 LEXHAM GARDENS LIMITED→ 02857058 · est 1993 · no financials extracted	—	—	—	—	32y	—	—
98 SINCLAIR ROAD MANAGEMENT LIMITED→ 07427014 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
A.B.S.A. LINE CO. LLP→ OC326180 · est 2007 · no financials extracted	—	—	—	—	19y	—	—
A2Z HOME CARE SERVICES LIMITED→ 13007183 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
ABBOTS ARBORICULTURAL ADVICE LIMITED→ 08043616 · est 2012 · no financials extracted	—	—	—	—	13y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

8 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

Incorporated2002-03-25

Jurisdictionengland-wales

Primary SIC99999 — SIC 99999

Registered office

14 Station Road

Watford

WD17 1EG

England

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-04-08

Last: 2026-03-25

Officers (1 active · 1 resigned)

BAINS, Amarjit Kaur→

director · ~66y · appointed 2002-03-25

View their other companies + combined net worth →

Active

BAINS, Ranbir Singh→

secretary · appointed 2002-03-25 · resigned 2011-04-04

Resigned

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