CAR BENEFIT LOANS LIMITED

🌳Matureactive
04837876 · ltd · incorporated 2003-07-18
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
81/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 77-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 77). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (59/100)

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
Confirmed no charges registered
85
Directors & officers
8 officers (5 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
63 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
1
filing
  • • 1 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-09-22
    📄
    accounts-with-accounts-type-small
    accounts · AA
  2. 2024-09-23
    📄
    accounts-with-accounts-type-small
    accounts · AA
  3. 2023-10-02
    📄
    accounts-with-accounts-type-full
    accounts · AA
  4. 2022-09-27
    📄
    accounts-with-accounts-type-full
    accounts · AA
  5. 2021-09-29
    📄
    accounts-with-accounts-type-full
    accounts · AA
  6. 2020-12-31
    📄
    accounts-with-accounts-type-full
    accounts · AA
  7. 2019-10-11
    📄
    accounts-with-accounts-type-full
    accounts · AA
  8. 2018-10-08
    📄
    accounts-with-accounts-type-full
    accounts · AA
  9. 2017-07-20
    📄
    accounts-with-accounts-type-full
    accounts · AA
  10. 2016-08-10
    📄
    accounts-with-accounts-type-full
    accounts · AA
  11. 2016-04-06
    📄
    auditors-resignation-company
    auditors · AUD
  12. 2015-07-29
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  13. 2015-06-15
    📄
    accounts-with-accounts-type-full
    accounts · AA
  14. 2015-04-30
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2015-04-03
    ➖
    O'NEILL, Gerard Gregory resigned
    director
  16. 2005-11-22
    ➕
    TAYLOR, Paul Stephen appointed
    secretary
  17. 2005-11-22
    ➕
    TAYLOR, Paul Stephen appointed
    director
  18. 2005-11-22
    ➖
    STUDHOLME, Mary Christine resigned
    secretary
  19. 2003-07-18
    🏢
    Company incorporated
    As CAR BENEFIT LOANS LIMITED
  20. 2003-07-18
    ➕
    DAVIES, Neil Kevin appointed
    director
  21. 2003-07-18
    ➕
    MAGUIRE, Martin Joseph appointed
    director
  22. 2003-07-18
    ➕
    STUDHOLME, Dennis appointed
    director
  23. 2003-07-18
    ➕
    STUDHOLME, Mary Christine appointed
    secretary
  24. 2003-07-18
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  25. 2003-07-18
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  26. 2003-07-18
    ➕
    O'NEILL, Gerard Gregory appointed
    director

Owner dependency

65/100
High — earn-out structure required

Material 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 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 77 — succession pressure is live.

Succession & seller-readiness

90/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
  • 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.)

Group structure

Car Benefit Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Car Benefit Holdings Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
CAR BENEFIT LOANS LIMITED
This company · 04837876

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%
NameSharesVoting rightsNature of controlNotified
Car Benefit Holdings Limited
Corporate entity
75–100%
—75-100% shares18/07/2016

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 · BL postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
ALPHAFX INVESTMENTS LIMITED→
14661259 · est 2023 · no financials extracted
————3y——
AURIX CAPITAL LTD→
16696636 · est 2025 · no financials extracted
———————
BARKER MORTGAGES LTD→
13967372 · est 2022 · no financials extracted
————4y——
BARNESFIELD INVESTMENTS LTD→
16998303 · est 2026 · no financials extracted
———————
BKSJ LIMITED→
06909301 · est 2009 · no financials extracted
————16y——
BLACKCROWN INVESTMENTS LIMITED→
16963321 · est 2026 · no financials extracted
———————
C & A HEALTHCARE LIMITED→
07179001 · est 2010 · no financials extracted
————16y——
C HESLOP FINANCIAL SERVICES LIMITED→
06578625 · est 2008 · no financials extracted
————17y——
CAPGEN WEALTH MANAGEMENT LTD→
16299018 · est 2025 · no financials extracted
————1y——
CARFINANCE123 LTD→
13811791 · est 2021 · no financials extracted
————4y——
CARLEY FINANCIAL LIMITED→
09941284 · est 2016 · no financials extracted
————10y——
CARLTON NASH & CO LIMITED→
12267941 · est 2019 · no financials extracted
————6y——
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
Incorporated2003-07-18
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.

Registered office

The Barracks
400 Bolton Road
Bury
Lancashire
BL8 2DA

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-06-05
Last: 2026-05-22

Officers (5 active · 3 resigned)

TAYLOR, Paul Stephen→
secretary · appointed 2005-11-22
View their other companies + combined net worth →
Active
DAVIES, Neil Kevin→
director · ~62y · appointed 2003-07-18
View their other companies + combined net worth →
Active
MAGUIRE, Martin Joseph→
director · ~59y · appointed 2003-07-18
View their other companies + combined net worth →
Active
STUDHOLME, Dennis→
director · ~77y · appointed 2003-07-18
View their other companies + combined net worth →
Active
TAYLOR, Paul Stephen→
director · ~51y · appointed 2005-11-22
View their other companies + combined net worth →
Active
STUDHOLME, Mary Christine→
secretary · appointed 2003-07-18 · resigned 2005-11-22
Resigned
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 2003-07-18 · resigned 2003-07-18
Resigned
O'NEILL, Gerard Gregory→
director · ~58y · appointed 2003-07-18 · resigned 2015-04-03
Resigned

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

Recent filings (63 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-22
accounts-with-accounts-type-small
accounts · AA
2025-09-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-27
accounts-with-accounts-type-small
accounts · AA
2024-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-31
accounts-with-accounts-type-full
accounts · AA
2023-10-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-18
accounts-with-accounts-type-full
accounts · AA
2022-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-17
accounts-with-accounts-type-full
accounts · AA
2021-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-26
accounts-with-accounts-type-full
accounts · AA
2020-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-13
accounts-with-accounts-type-full
accounts · AA
2019-10-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-07-08