ARDENT CREDIT SERVICES LIMITED
🌳Matureactive
04691960 · ltd · incorporated 2003-03-10
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 21.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 65-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 85/100. Strong seller-intent signal (73/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 21.1y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 21.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (57/100)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
9 officers (5 active, 9 linked, 7 with DOB)
86
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
100 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
2
filings
- • 2 mortgage
Last 90 days
2
filings
- • 2 mortgage
Last 180 days
3
filings
- • 2 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (42 events)Click to expand
- 2026-06-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-06-25🔓Charge satisfied #3
- 2026-06-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-06-24🔓Charge satisfied #2
- 2025-10-02📄accounts-amended-with-accounts-type-fullaccounts · AAMD
- 2025-07-09📄accounts-with-accounts-type-fullaccounts · AA
- 2024-12-18📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-18📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-18📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-17📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-17📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-05📍move-registers-to-sail-company-with-new-addressaddress · AD03
- 2024-12-05📍change-sail-address-company-with-new-addressaddress · AD02
- 2024-07-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-02🔒Charge registered #3Lender: Wilmington Trust (London) Limited as Security Trustee for the Secured Parties
- 2024-05-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-29📄memorandum-articlesincorporation · MA
- 2023-08-29📄resolutionresolution · RESOLUTIONS
- 2023-08-22📄statement-of-companys-objectschange-of-constitution · CC04
- 2023-06-28📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2023-05-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-04-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-04-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-04-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-04-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-04-19➕CHERRY, Nicholas John appointeddirector
- 2023-04-19➕COHEN, Adam Scott appointeddirector
- 2023-04-19➕ENDERS, Howard Alan appointeddirector
- 2023-04-19➕PHILLIPS, Matthew Mark appointeddirector
- 2023-04-19➖MURRAY, Julie resignedsecretary
- 2023-04-19➖MURRAY, Steven Frederick resigneddirector
- 2023-04-19🔒Charge registered #2Lender: Wilmington Trust (London) Limited as Security Trustee for the Secured Parties
- 2017-06-01➕RICKETTS, John Norman appointeddirector
- 2015-11-26🔓Charge satisfied #1
- 2015-06-17➖MURRAY, Stephen Frederick resigneddirector
- 2015-06-17➕MURRAY, Steven Frederick appointeddirector
- 2007-03-27➕MURRAY, Julie appointedsecretary
- 2007-03-26➖HANNAH, Scott James resignedsecretary
- 2005-06-14🔒Charge registered #1Lender: Hsbc Bank PLC
- 2003-03-10🏢Company incorporatedAs ARDENT CREDIT SERVICES LIMITED
- 2003-03-10➕HANNAH, Scott James appointedsecretary
- 2003-03-10➕MURRAY, Stephen Frederick appointeddirector
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- secondaryStable-but-static management: Company is 23 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 lowMultiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Phillips & Cohen Associates (Uk) Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Phillips & Cohen Associates (Uk) Ltd
Corporate parent · holds 75-100% shares · board control
⬇
ARDENT CREDIT SERVICES LIMITED
This company · 04691960
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 |
|---|---|---|---|---|
Phillips & Cohen Associates (Uk) Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 19/04/2023 |
2 historic (ceased) PSCs
- Mrs Julie Murrayceased 19/04/2023· 25-50% shares · 25-50% voting
- Mr Steven Frederick Murrayceased 19/04/2023· 50-75% shares · 50-75% voting · board control
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 · L postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AFFINITY FINANCIAL AWARENESS LIMITED→ 05246999 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| ARPG INVESTMENTS LTD→ 11155795 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ASCOT FINANCE LIMITED→ 16123477 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ASSURED COVER LTD→ 11162610 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ATELIER WEALTH LTD→ 15368393 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AVIAN ASSETS→ 09073444 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| BABY BLYTHE INVESTMENTS→ 16337398 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BALLTICA CONSULTING LTD→ 12135735 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BEER FAMILY INVESTMENTS LIMITED→ 16002057 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BENJIMAX CAPITAL LIMITED→ 08162631 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| BERTRAND FINANCIAL SERVICES LIMITED→ 11210222 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BEYOND ADVICE GROUP LTD→ 09305214 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2003-03-10
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
1st Floor Enterprise House Moorgate Point, Moorgate Road
Knowsley Industrial Park
Merseyside
L33 7XW
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-24
Last: 2026-03-10
Officers (5 active · 4 resigned)
CHERRY, Nicholas John→
Activedirector · ~52y · appointed 2023-04-19
View their other companies + combined net worth →
COHEN, Adam Scott→
Activedirector · ~55y · appointed 2023-04-19
View their other companies + combined net worth →
ENDERS, Howard Alan→
Activedirector · ~55y · appointed 2023-04-19
View their other companies + combined net worth →
PHILLIPS, Matthew Mark→
Activedirector · ~56y · appointed 2023-04-19
View their other companies + combined net worth →
RICKETTS, John Norman→
Activedirector · ~65y · appointed 2017-06-01
View their other companies + combined net worth →
HANNAH, Scott James→
Resignedsecretary · appointed 2003-03-10 · resigned 2007-03-26
MURRAY, Julie→
Resignedsecretary · appointed 2007-03-27 · resigned 2023-04-19
MURRAY, Stephen Frederick→
Resigneddirector · ~56y · appointed 2003-03-10 · resigned 2015-06-17
MURRAY, Steven Frederick→
Resigneddirector · ~56y · appointed 2015-06-17 · resigned 2023-04-19
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 | Wilmington Trust (London) as Security Trustee for the Secured Parties Wilmington Trust (London) Limited as Security Trustee for the Secured Parties | A registered charge | 1 property | 02/07/2024 | 25/06/2026 | |
| satisfied | Wilmington Trust (London) as Security Trustee for the Secured Parties Wilmington Trust (London) Limited as Security Trustee for the Secured Parties | A registered charge | 1 property | 19/04/2023 | 24/06/2026 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 14/06/2005 | 26/11/2015 |
Recent filings (100 total)
mortgage-satisfy-charge-full
mortgage · MR04
2026-06-25
mortgage-satisfy-charge-full
mortgage · MR04
2026-06-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-20
accounts-amended-with-accounts-type-full
accounts · AAMD
2025-10-02
accounts-with-accounts-type-full
accounts · AA
2025-07-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-12
change-person-director-company-with-change-date
officers · CH01
2024-12-18
change-person-director-company-with-change-date
officers · CH01
2024-12-18
change-person-director-company-with-change-date
officers · CH01
2024-12-18
change-person-director-company-with-change-date
officers · CH01
2024-12-17
change-person-director-company-with-change-date
officers · CH01
2024-12-17
move-registers-to-sail-company-with-new-address
address · AD03
2024-12-05
change-sail-address-company-with-new-address
address · AD02
2024-12-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-04