GENERAL GUARANTEE COLLECTIONS LIMITED

💤Zombieactive
04833093 · ltd · incorporated 2003-07-15
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
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 68). 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 (79/100)

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
4 officers (1 active, 4 linked, 2 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
64 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Dec 2024Dec 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-12-312024-12-31

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

🔒Filing-note intelligence

2 signals 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 (25 events)Click to expand
  1. 2026-02-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-02-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-02-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2024-02-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-10-08
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  6. 2023-10-08
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  7. 2023-02-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-07-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-05-26
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  10. 2022-05-26
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2022-05-26
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2022-05-06
    ➖
    MCCONNELL, Neil Gerrard resigned
    secretary
  13. 2022-05-06
    ➖
    MCCONNELL, Neil Gerrard resigned
    director
  14. 2021-07-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2020-09-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2019-09-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2019-08-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2018-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2017-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2005-02-18
    ➖
    HARTLEY, Ian resigned
    secretary
  21. 2005-02-18
    ➕
    MCCONNELL, Neil Gerrard appointed
    secretary
  22. 2003-07-15
    🏢
    Company incorporated
    As GENERAL GUARANTEE COLLECTIONS LIMITED
  23. 2003-07-15
    ➕
    MONTGOMERY, David Thomas appointed
    director
  24. 2003-07-15
    ➕
    HARTLEY, Ian appointed
    secretary
  25. 2003-07-15
    ➕
    MCCONNELL, Neil Gerrard appointed
    director

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 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 68 — 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 68. 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 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr David Thomas Montgomery
Individual · British · DOB 04/1958 · age 68
25–50%
—25-50% shares11/06/2023
Mrs Alison Mcconnell
Individual · British · DOB 07/1958 · age 68
25–50%
—25-50% shares11/06/2023

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 →

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———————
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
Incorporated2003-07-15
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Robinheath, Chase Road
Brocton
Stafford
ST17 0TL
England

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-07-29
Last: 2025-07-15

Officers (1 active · 3 resigned)

MONTGOMERY, David Thomas→
director · ~68y · appointed 2003-07-15
View their other companies + combined net worth →
Active
HARTLEY, Ian→
secretary · appointed 2003-07-15 · resigned 2005-02-18
Resigned
MCCONNELL, Neil Gerrard→
secretary · appointed 2005-02-18 · resigned 2022-05-06
Resigned
MCCONNELL, Neil Gerrard→
director · ~70y · appointed 2003-07-15 · resigned 2022-05-06
Resigned

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

Recent filings (64 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-24
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-02-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-06
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-10-08
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2023-10-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-11
termination-secretary-company-with-name-termination-date
officers · TM02
2022-05-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-05-26
termination-director-company-with-name-termination-date
officers · TM01
2022-05-26