CARD INNOVATIONS LTD
Opportunity 77/100 (strong), bankability 85/100. 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).
Refinance opportunity
1 live charge · oldest 13.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 13.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 100 | 100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (23 events)Click to expand
- 2026-02-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-09-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-07🔓Charge satisfied #1
- 2025-03-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-15📄change-person-director-company-with-change-dateofficers · CH01
- 2023-02-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-06-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-06-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-05-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-10-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-10-09📄change-person-director-company-with-change-dateofficers · CH01
- 2020-08-21📄change-person-director-company-with-change-dateofficers · CH01
- 2020-08-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-05-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-09-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-03-19📄gazette-filings-brought-up-to-dategazette · DISS40
- 2013-04-15🔒Charge registered #1Lender: National Westminster Bank PLC
- 2011-03-23➖HAM-RICHE, Emma resignedsecretary
- 2005-11-08🏢Company incorporatedAs CARD INNOVATIONS LTD
- 2005-11-08➕HAM-RICHE, Roland appointeddirector
- 2005-11-08➕HAM-RICHE, Emma appointedsecretary
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +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.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- 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
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Roland Ham-Riche Individual · British · DOB 12/1972 · age 54 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (1 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 15/04/2013 | 07/05/2025 |