COMMERCIAL FUNDING SERVICES LIMITED

💤Zombieactive
05444061 · ltd · incorporated 2005-05-05
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 Apr 2025
Net worth
£144.4k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 68100Buying and selling of own real estate
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (80/100, director aged 58). 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).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 18.9y

30/100
under pressure

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

  • · Oldest live charge is 18.9 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · 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, 3 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
9 officers (2 active, 9 linked, 6 with DOB)
83
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
80 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 · FRS 102
Positive net assets
Net assets £144,353
Cash YoY
-28%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£3k
↓ 28% YoY
Net Worth
£144k
~ YoY
Current Assets
£1.5m
↑ 3.4% YoY
Current Liabilities
—
£0£298k£596k£894k£1.2m£1.5mApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Total assets£146.9k£164.5k
Current assets£1.49M£1.44M
Cash£3.0k£4.2k
Debtors£1.49M£1.44M
Net assets£144.4k£143.0k

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
0
filings
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
  1. 2025-12-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-09-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2024-11-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-11-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-09-28
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  6. 2023-06-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2023-05-31
    ➖
    KHAN, Tajerab resigned
    director
  8. 2023-04-03
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  9. 2022-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-10-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-12-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-12-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-10-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2017-12-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2016-12-21
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2016-05-31
    🔓
    Charge satisfied #2
  18. 2016-05-31
    🔓
    Charge satisfied #1
  19. 2012-12-07
    ➖
    BUTLER, Ian Robin resigned
    director
  20. 2012-12-07
    ➖
    BUTLER, Stephen Jeffrey resigned
    director
  21. 2010-04-23
    ➕
    BUTLER, Ian Robin appointed
    director
  22. 2010-04-23
    ➕
    BUTLER, Stephen Jeffrey appointed
    director
  23. 2008-02-19
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC
  24. 2007-07-12
    🔒
    Charge registered #1
    Lender: Lloyds Tsb Bank PLC
  25. 2006-03-31
    ➕
    GREWAL, Indermohan Singh appointed
    secretary
  26. 2006-03-31
    ➖
    SINGH, Ranjit resigned
    secretary
  27. 2006-03-31
    ➖
    SINGH, Ranjit resigned
    director
  28. 2005-07-25
    ➕
    GREWAL, Indermohan Singh appointed
    director
  29. 2005-05-05
    🏢
    Company incorporated
    As COMMERCIAL FUNDING SERVICES LIMITED
  30. 2005-05-05
    ➕
    GRAEME, Dorothy May appointed
    secretary
  31. 2005-05-05
    ➖
    GRAEME, Dorothy May resigned
    secretary
  32. 2005-05-05
    ➕
    SINGH, Ranjit appointed
    secretary
  33. 2005-05-05
    ➕
    GRAEME, Lesley Joyce appointed
    director
  34. 2005-05-05
    ➖
    GRAEME, Lesley Joyce resigned
    director
  35. 2005-05-05
    ➕
    KHAN, Tajerab appointed
    director
  36. 2005-05-05
    ➕
    SINGH, Ranjit 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 21 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — 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 58. 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 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 21 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
Mr Indermohan Singh Grewal
Individual · British · DOB 05/1968 · age 58
75–100%
75–100%board control75-100% shares · 75-100% voting · board control01/07/2016
1 historic (ceased) PSC
  • Mr Tajerab Khanceased 31/05/2023· 25-50% 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
Incorporated2005-05-05
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

36 Lichfield Street
Walsall
WS1 1TJ
England

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-10-12
Last: 2025-09-28

Officers (2 active · 7 resigned)

GREWAL, Indermohan Singh→
secretary · appointed 2006-03-31
View their other companies + combined net worth →
Active
GREWAL, Indermohan Singh→
director · ~58y · appointed 2005-07-25
View their other companies + combined net worth →
Active
GRAEME, Dorothy May→
secretary · appointed 2005-05-05 · resigned 2005-05-05
Resigned
SINGH, Ranjit→
secretary · appointed 2005-05-05 · resigned 2006-03-31
Resigned
BUTLER, Ian Robin→
director · ~67y · appointed 2010-04-23 · resigned 2012-12-07
Resigned
BUTLER, Stephen Jeffrey→
director · ~71y · appointed 2010-04-23 · resigned 2012-12-07
Resigned
GRAEME, Lesley Joyce→
director · ~73y · appointed 2005-05-05 · resigned 2005-05-05
Resigned
KHAN, Tajerab→
director · ~65y · appointed 2005-05-05 · resigned 2023-05-31
Resigned
SINGH, Ranjit→
director · ~55y · appointed 2005-05-05 · resigned 2006-03-31
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
Virgin Money
Clydesdale Bank PLC
Legal mortgage1 property19/02/200831/05/2016
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property12/07/200731/05/2016

Recent filings (80 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-15
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-09-28
termination-director-company-with-name-termination-date
officers · TM01
2023-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-06
change-account-reference-date-company-current-extended
accounts · AA01
2023-04-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-12