CARRERA FINANCE (NW) LIMITED
💤Zombieactive
04725941 · ltd · incorporated 2003-04-07
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 Dec 2025
Net worth
£47.4k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 60-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 60). 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: medium (76/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
6 officers (2 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
85 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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £47,350
Cash YoY
-20%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£13k
↓ 20% YoY
Net Worth
£47k
↑ 52% YoY
Current Assets
£108k
↑ 5.5% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Total assets | £47.4k | £31.2k |
| Current assets | £107.7k | £102.1k |
| Cash | £13.4k | £16.8k |
| Debtors | £94.3k | £85.3k |
| Net assets | £47.4k | £31.2k |
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
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2026-01-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-06📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-10-06📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-01-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-04📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-06-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-06-03📄change-person-director-company-with-change-dateofficers · CH01
- 2024-03-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-03-05📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-03-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-03-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-05➖HUTCHINSON, Nona resigneddirector
- 2021-03-05➖HUTCHINSON, Philip resigneddirector
- 2020-10-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-10-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2003-04-09➕HUTCHINSON, Nicola Caroline appointedsecretary
- 2003-04-09➕HUTCHINSON, Simon appointeddirector
- 2003-04-09➖BTC (SECRETARIES) LIMITED resignedcorporate-nominee-secretary
- 2003-04-09➕HUTCHINSON, Nona appointeddirector
- 2003-04-09➕HUTCHINSON, Philip appointeddirector
- 2003-04-09➖BTC (DIRECTORS) LTD resignedcorporate-nominee-director
- 2003-04-07🏢Company incorporatedAs CARRERA FINANCE (NW) LIMITED
- 2003-04-07➕BTC (SECRETARIES) LIMITED appointedcorporate-nominee-secretary
- 2003-04-07➕BTC (DIRECTORS) LTD appointedcorporate-nominee-director
Owner dependency
93/100
Critical — business is the founderThe 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 23 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
85/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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
cleanNo 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 |
|---|---|---|---|---|
Mr Simon Hutchinson Individual · British · DOB 05/1966 · age 60 | 75–100% | — | 75-100% shares | 06/04/2016 |
2 historic (ceased) PSCs
- Mrs Nona Hutchinsonceased 06/10/2025· 25-50% shares
- Mr Philip Hutchinsonceased 06/10/2025· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · PR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BP05 LIMITED→ 15506999 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| C & W BERRY COMMERCIAL FINANCE LIMITED→ 14439460 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CAMFX TRADING LTD→ 13267061 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CASLPTS LTD→ 01489455 · est 1980 · no financials extracted | — | — | — | — | 46y | — | — |
| CBLEASING LIMITED→ 16494231 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CHANCERY LAW (SOUTHPORT) LIMITED→ 08704866 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| CHAPTER WEALTH MANAGEMENT LTD→ 07941744 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| CHILTERN CONSULTANCY LIMITED→ 04580636 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| CHRIS DAYS MORTGAGES LTD→ 12240745 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CHROMOLYTE LIMITED→ 01600031 · est 1981 · no financials extracted | — | — | — | — | 44y | — | — |
| CJH CONSULTING SERVICES LTD→ 14219054 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CLADAR FINANCIAL LTD→ 07639903 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
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
Incorporated2003-04-07
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Registered office
17 Moor Park Avenue
Preston
PR1 6AS
England
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-11-19
Last: 2025-11-05
Officers (2 active · 4 resigned)
HUTCHINSON, Nicola Caroline→
Activesecretary · appointed 2003-04-09
View their other companies + combined net worth →
HUTCHINSON, Simon→
Activedirector · ~60y · appointed 2003-04-09
View their other companies + combined net worth →
BTC (SECRETARIES) LIMITED→
Resignedcorporate-nominee-secretary · appointed 2003-04-07 · resigned 2003-04-09
HUTCHINSON, Nona→
Resigneddirector · ~85y · appointed 2003-04-09 · resigned 2021-03-05
HUTCHINSON, Philip→
Resigneddirector · ~83y · appointed 2003-04-09 · resigned 2021-03-05
BTC (DIRECTORS) LTD→
Resignedcorporate-nominee-director · appointed 2003-04-07 · resigned 2003-04-09
Click a director name to see their full track record across all companies.
Recent filings (85 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-28
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-05
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-05
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-10-06
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-10-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-27
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-31
change-person-secretary-company-with-change-date
officers · CH03
2024-06-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-04
change-person-director-company-with-change-date
officers · CH01
2024-06-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-03-05
change-person-director-company-with-change-date
officers · CH01
2024-03-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-22
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-03