ADVANTIS CREDIT LIMITED
🌳Matureactive
05223252 · ltd · incorporated 2004-09-06
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 17.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 78/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 17.2y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 17.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 23/100 — clean.
Data confidence
Overall: medium (61/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
13 officers (2 active, 13 linked, 11 with DOB)
87
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
116 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 2 officers
Last 180 days
6
filings
- • 3 officers
- • 1 address
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (49 events)Click to expand
- 2026-05-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-05-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-24➖LU, Xiangwen resigneddirector
- 2026-04-22➕VANOVERSCHELDE, Tom Frans appointeddirector
- 2026-02-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-02-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-12-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-15➖WINFIELD, Julian Michael resigneddirector
- 2025-09-02📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-09-02📄legacyaccounts · PARENT_ACC
- 2025-09-02📄legacyother · GUARANTEE2
- 2025-09-02📄legacyother · AGREEMENT2
- 2025-01-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-12-31➖ROSCOE, Brian Edward resigneddirector
- 2024-12-11➖ONO, Yuya resigneddirector
- 2024-08-12📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-08-12📄legacyaccounts · PARENT_ACC
- 2024-08-12📄legacyother · AGREEMENT2
- 2024-08-12📄legacyother · GUARANTEE2
- 2024-01-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-01-01➕WINFIELD, Julian Michael appointeddirector
- 2023-10-28📄legacyaccounts · PARENT_ACC
- 2023-10-28📄legacyother · AGREEMENT2
- 2023-10-28📄legacyother · GUARANTEE2
- 2023-09-30📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-09-30📄legacyaccounts · PARENT_ACC
- 2023-09-30📄legacyother · GUARANTEE2
- 2022-06-30➖WEBB, Mark Andrew resigneddirector
- 2020-01-13➕TUBBS, Nicholas Sean appointeddirector
- 2020-01-13➖JACKSON, Stephen Paul resignedsecretary
- 2020-01-13➖JACKSON, Hilary Jane resigneddirector
- 2020-01-13➖JACKSON, Stephen Paul resigneddirector
- 2020-01-13➕LU, Xiangwen appointeddirector
- 2020-01-13➕ONO, Yuya appointeddirector
- 2019-10-17🔓Charge satisfied #1
- 2013-04-30➖WILLIAMS, Karen resigneddirector
- 2010-11-30➖PACK, Michael David resigneddirector
- 2009-10-01➕PACK, Michael David appointeddirector
- 2009-10-01➕ROSCOE, Brian Edward appointeddirector
- 2009-10-01➕WEBB, Mark Andrew appointeddirector
- 2009-10-01➕WILLIAMS, Karen appointeddirector
- 2009-03-06🔒Charge registered #1Lender: National Westminster Bank PLC
- 2004-09-10➖JACKSON, Hilary Jane resignedsecretary
- 2004-09-10➕JACKSON, Stephen Paul appointedsecretary
- 2004-09-06🏢Company incorporatedAs ADVANTIS CREDIT LIMITED
- 2004-09-06➕JACKSON, Hilary Jane appointedsecretary
- 2004-09-06➕JACKSON, Hilary Jane appointeddirector
- 2004-09-06➕JACKSON, Stephen Paul appointeddirector
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: LU, Xiangwen resigned 2026-04-24; WINFIELD, Julian Michael resigned 2025-12-15
Group structure
Cder Group Uk Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Cder Group Uk Limited
Corporate parent · holds 75-100% shares · board control
⬇
ADVANTIS CREDIT LIMITED
This company · 05223252
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Cder Group Uk Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 13/01/2020 |
2 historic (ceased) PSCs
- Mrs Hilary Jane Jacksonceased 13/01/2020· 25-50% shares · 25-50% voting
- Mr Stephen Paul Jacksonceased 13/01/2020· 25-50% shares · 25-50% voting
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 · EC postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ADVANTAGE DCP LTD→ 08932909 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ADVENT SOLUTIONS MANAGEMENT LIMITED→ 04092670 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| ADVENTURE FG LTD→ 16604236 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADVICE ECOSYSTEM TECHNOLOGIES LIMITED→ 15564560 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ADVICTUS LTD→ 16110215 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADVISABILITY LIMITED→ 09549027 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ADVISER TECHNOLOGIES LIMITED→ 10621213 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ADVISORY INSURANCE BROKERS LIMITED→ 04043759 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| AE OWNERSHIP COMPANY LIMITED→ 13246303 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AEGILA CAPITAL MANAGEMENT LIMITED→ 09893549 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| AEGIS ELECTRIC & GAS INTERNATIONAL SERVICES 6 LTD→ 16725086 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AEGIS ELECTRIC & GAS INTERNATIONAL SERVICES LIMITED→ 03200519 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2004-09-06
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
3rd Floor 10 Lloyd's Avenue
London
EC3N 3AJ
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-02-18
Last: 2026-02-04
Officers (2 active · 11 resigned)
TUBBS, Nicholas Sean→
Activedirector · ~59y · appointed 2020-01-13
View their other companies + combined net worth →
VANOVERSCHELDE, Tom Frans→
Activedirector · ~45y · appointed 2026-04-22
View their other companies + combined net worth →
JACKSON, Hilary Jane→
Resignedsecretary · appointed 2004-09-06 · resigned 2004-09-10
JACKSON, Stephen Paul→
Resignedsecretary · appointed 2004-09-10 · resigned 2020-01-13
JACKSON, Hilary Jane→
Resigneddirector · ~61y · appointed 2004-09-06 · resigned 2020-01-13
JACKSON, Stephen Paul→
Resigneddirector · ~61y · appointed 2004-09-06 · resigned 2020-01-13
LU, Xiangwen→
Resigneddirector · ~58y · appointed 2020-01-13 · resigned 2026-04-24
ONO, Yuya→
Resigneddirector · ~49y · appointed 2020-01-13 · resigned 2024-12-11
PACK, Michael David→
Resigneddirector · ~61y · appointed 2009-10-01 · resigned 2010-11-30
ROSCOE, Brian Edward→
Resigneddirector · ~53y · appointed 2009-10-01 · resigned 2024-12-31
WEBB, Mark Andrew→
Resigneddirector · ~52y · appointed 2009-10-01 · resigned 2022-06-30
WILLIAMS, Karen→
Resigneddirector · ~63y · appointed 2009-10-01 · resigned 2013-04-30
WINFIELD, Julian Michael→
Resigneddirector · ~56y · appointed 2024-01-01 · resigned 2025-12-15
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 06/03/2009 | 17/10/2019 |
Recent filings (116 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-05-01
appoint-person-director-company-with-name-date
officers · AP01
2026-05-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-16
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2026-02-04
termination-director-company-with-name-termination-date
officers · TM01
2025-12-18
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-09-02
legacy
accounts · PARENT_ACC
2025-09-02
legacy
other · GUARANTEE2
2025-09-02
legacy
other · AGREEMENT2
2025-09-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-27
termination-director-company-with-name-termination-date
officers · TM01
2025-01-09
termination-director-company-with-name-termination-date
officers · TM01
2025-01-09
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-08-12
legacy
accounts · PARENT_ACC
2024-08-12