CELANDINE LIMITED

💤Zombieactive
05131482 · ltd · incorporated 2004-05-18
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 Aug 2025
Net worth
£47.3k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Asset-holding vehicle with a 60-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (80/100, director aged 60). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Deleverage or restructure. Leverage at 100% of assets — consider sale of non-core assets or equity injection. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 9.0y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 9.0 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

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, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (1 active, 4 linked, 2 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
61 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £47,268
High leverage
Liabilities are 100% of total assets
Net assets shrinking
Down £19,454 YoY
Leverage
100%
Liabilities / Total assets

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£47k
↓ 29% YoY
Current Assets
£67k
↓ 23% YoY
Current Liabilities
—
£0£18k£35k£53k£70k£88kAug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-08-312024-08-31
Total assets£67.4k£87.9k
Current assets£67.4k£87.9k
Net assets£47.3k£66.7k

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
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-05-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-05-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-05-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-05-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-05-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2021-05-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2021-05-24
    🔓
    Charge satisfied #2
  10. 2021-05-24
    🔓
    Charge satisfied #1
  11. 2020-05-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2019-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-05-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2018-05-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-10-17
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2017-08-25
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2017-08-18
    🔒
    Charge registered #2
    Lender: National Westminster Bank PLC
  18. 2017-07-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2017-07-20
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  20. 2008-09-09
    ➖
    MITCHELL, Vivien Maria resigned
    secretary
  21. 2006-04-11
    ➖
    CORCORAN, Pauline Ann resigned
    secretary
  22. 2006-04-11
    ➕
    MITCHELL, Vivien Maria appointed
    secretary
  23. 2006-04-11
    ➖
    CORCORAN, Jeremy Jonathan resigned
    director
  24. 2004-05-18
    🏢
    Company incorporated
    As CELANDINE LIMITED
  25. 2004-05-18
    ➕
    O'KEEFFE, Annie Pauline appointed
    director
  26. 2004-05-18
    ➕
    CORCORAN, Pauline Ann appointed
    secretary
  27. 2004-05-18
    ➕
    CORCORAN, Jeremy Jonathan appointed
    director

Owner dependency

93/100
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 22 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 candidate

Strong 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 22 years. Very long tenure is a classic succession signal.
  • 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.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Miss Annie Pauline O'Keeffe
Individual · British · DOB 09/1966 · age 60
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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 →

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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
Incorporated2004-05-18
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Low Barn
Llancayo Business Park
Usk
Monmouthshire
NP15 1HY
United Kingdom

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2027-06-01
Last: 2026-05-18

Officers (1 active · 3 resigned)

O'KEEFFE, Annie Pauline→
director · ~60y · appointed 2004-05-18
View their other companies + combined net worth →
Active
CORCORAN, Pauline Ann→
secretary · appointed 2004-05-18 · resigned 2006-04-11
Resigned
MITCHELL, Vivien Maria→
secretary · appointed 2006-04-11 · resigned 2008-09-09
Resigned
CORCORAN, Jeremy Jonathan→
director · ~65y · appointed 2004-05-18 · resigned 2006-04-11
Resigned

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property18/08/201724/05/2021
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge—20/07/201724/05/2021

Recent filings (61 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-20
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-30
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-29
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-31
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-19
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-18
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-31
confirmation-statement-with-updates
confirmation-statement · CS01
2021-05-26
mortgage-satisfy-charge-full
mortgage · MR04
2021-05-24
mortgage-satisfy-charge-full
mortgage · MR04
2021-05-24
confirmation-statement-with-updates
confirmation-statement · CS01
2020-05-19