CREDENT COMMERCIAL INSURANCE LTD

💤Zombieactive
05083057 · ltd · incorporated 2004-03-24
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
£438.4k
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (65/100).

Data confidence

Overall: medium (78/100)

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
9 officers (1 active, 9 linked, 5 with DOB)
81
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
77 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £438,431
Cash YoY
+66%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£510k
↑ 66% YoY
Net Worth
£438k
↑ 29% YoY
Current Assets
£996k
↑ 45% YoY
Current Liabilities
—
£0£199k£399k£598k£797k£996kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£450.8k£362.5k
Current assets£996.3k£686.8k
Cash£510.1k£308.1k
Debtors£486.2k£378.7k
Net assets£438.4k£339.7k

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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
  1. 2025-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-19
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2023-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-12-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-03-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  7. 2020-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-12-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-07-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  10. 2019-07-11
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  11. 2019-07-11
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2019-06-04
    ➖
    LLOYD-JONES, Harry resigned
    director
  13. 2019-03-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  14. 2018-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2016-12-07
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2016-10-01
    ➖
    JONES, Sarah Elizabeth resigned
    secretary
  18. 2016-02-02
    ➕
    JONES, Jeffrey Niel appointed
    director
  19. 2007-05-01
    ➕
    JONES, Sarah Elizabeth appointed
    secretary
  20. 2007-04-30
    ➖
    CRABB, Susan Mcdonald resigned
    secretary
  21. 2007-04-30
    ➖
    CRABB, Susan Mcdonald resigned
    director
  22. 2007-04-30
    ➖
    GOLDSMITH, Steven Crawford resigned
    director
  23. 2007-04-30
    ➖
    GRAINGER, Duncan Edward resigned
    director
  24. 2004-03-24
    🏢
    Company incorporated
    As CREDENT COMMERCIAL INSURANCE LTD
  25. 2004-03-24
    ➕
    CRABB, Susan Mcdonald appointed
    secretary
  26. 2004-03-24
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  27. 2004-03-24
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  28. 2004-03-24
    ➕
    CRABB, Susan Mcdonald appointed
    director
  29. 2004-03-24
    ➕
    GOLDSMITH, Steven Crawford appointed
    director
  30. 2004-03-24
    ➕
    GRAINGER, Duncan Edward appointed
    director
  31. 2004-03-24
    ➕
    LLOYD-JONES, Harry appointed
    director
  32. 2004-03-24
    ➕
    INSTANT COMPANIES LIMITED appointed
    corporate-nominee-director
  33. 2004-03-24
    ➖
    INSTANT COMPANIES LIMITED resigned
    corporate-nominee-director

Owner dependency

75/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

60/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondaryStable-but-static management: Company is 22 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

Rockholme Broking (Uk) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Rockholme Broking (Uk) Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
CREDENT COMMERCIAL INSURANCE LTD
This company · 05083057

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
Rockholme Broking (Uk) Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control04/06/2019
1 historic (ceased) PSC
  • Credent Holdings Ltdceased 04/06/2019· 75-100% shares

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

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
Incorporated2004-03-24
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance

Registered office

13 Trinity Square
Llandudno
North Wales
LL30 2RB

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-07
Last: 2026-03-24

Officers (1 active · 8 resigned)

JONES, Jeffrey Niel→
director · ~53y · appointed 2016-02-02
View their other companies + combined net worth →
Active
CRABB, Susan Mcdonald→
secretary · appointed 2004-03-24 · resigned 2007-04-30
Resigned
JONES, Sarah Elizabeth→
secretary · appointed 2007-05-01 · resigned 2016-10-01
Resigned
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 2004-03-24 · resigned 2004-03-24
Resigned
CRABB, Susan Mcdonald→
director · ~79y · appointed 2004-03-24 · resigned 2007-04-30
Resigned
GOLDSMITH, Steven Crawford→
director · ~60y · appointed 2004-03-24 · resigned 2007-04-30
Resigned
GRAINGER, Duncan Edward→
director · ~50y · appointed 2004-03-24 · resigned 2007-04-30
Resigned
LLOYD-JONES, Harry→
director · ~77y · appointed 2004-03-24 · resigned 2019-06-04
Resigned
INSTANT COMPANIES LIMITED→
corporate-nominee-director · appointed 2004-03-24 · resigned 2004-03-24
Resigned

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

Recent filings (77 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2021-03-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-16
confirmation-statement-with-updates
confirmation-statement · CS01
2020-03-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-13