CAREFREE MORTGAGE SOLUTIONS LIMITED

💤Zombieactive

05688918 · ltd · incorporated 2006-01-26

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 Jan 2025

Net worth

£12.0k

book net assets

Opportunity

65/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Fund management activities

Sector: Financial & insurance

Investor take

Special-situation opportunity

Distressed financial-services with salvageable qualities — special-situations priority.

Opportunity 65/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (76/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

6 officers (1 active, 6 linked, 3 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

67 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

65/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

Some moderate concerns — review flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £11,989

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£12k

~ YoY

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-01-31	2024-01-31
Total assets	£909	£909
Net assets	£12.0k	£12.0k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filings

Last 90 days

filings

• 2 persons-with-significant-control
• 1 gazette

Last 180 days

filings

• 2 persons-with-significant-control
• 1 gazette

Counts from Companies House filing history.

Corporate timeline (36 events)Click to expand

2026-05-05
📄
gazette-notice-compulsory
gazette · GAZ1
2026-03-17
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-17
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-11-12
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2025-11-11
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-07
📄
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2025-07-29
📄
gazette-notice-compulsory
gazette · GAZ1
2025-03-15
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2025-03-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-11
➖
MOORE, Richard resigned
director
2024-06-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-06-11
📄
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2024-05-14
📄
gazette-notice-compulsory
gazette · GAZ1
2023-11-01
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2023-10-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-09
📄
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2023-08-15
📄
gazette-notice-compulsory
gazette · GAZ1
2023-03-17
➕
MOORE, Richard appointed
director
2023-03-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-03-15
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-03-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-14
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2023-03-13
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-13
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-22
📄
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2021-04-06
📄
gazette-notice-compulsory
gazette · GAZ1
2020-05-31
➖
GILL, Michelle resigned
director
2019-01-26
➕
GILL, Benjamin appointed
director
2009-12-08
➖
TOFT, Eileen resigned
secretary
2009-07-01
➖
TURNER LITTLE COMPANY SECRETARIES LIMITED resigned
corporate-secretary
2006-04-11
➕
TOFT, Eileen appointed
secretary
2006-01-26
🏢
Company incorporated
As CAREFREE MORTGAGE SOLUTIONS LIMITED
2006-01-26
➕
TURNER LITTLE COMPANY SECRETARIES LIMITED appointed
corporate-secretary
2006-01-26
➕
GILL, Michelle appointed
director
2006-01-26
➕
TURNER LITTLE COMPANY NOMINEES LIMITED appointed
corporate-director
2006-01-26
➖
TURNER LITTLE COMPANY NOMINEES LIMITED resigned
corporate-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

55/100

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 20 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 high ·

Confirmation statement overdue

high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2022-02-09

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Benjamin Gill Individual · British · DOB 11/1998 · age 28	—	—	sig. influencesignificant influence	18/02/2026

1 historic (ceased) PSC

Mrs Michelle Gillceased 18/02/2026· 75-100% shares

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Financial services · BD postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BEF NPIF 2 YH LTD→ 15417617 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
BEF(NW) LTD→ 15992353 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BH WEALTH MANAGEMENT LTD→ 17014233 · est 2026 · no financials extracted	—	—	—	—	—	—	—
BRIGHTMINDS HR LTD→ 16868645 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BUSH INSURANCE SOLUTIONS LTD→ 09022855 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
C.R.E.A.M CAPITAL LIMITED→ 14766699 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
CBF CAPITAL LTD→ 05363088 · est 2005 · no financials extracted	—	—	—	—	21y	—	—
CHANGE THE FUTURE LTD→ 06617821 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
CHERRYWISE LTD→ 15992921 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
CHESTNUT FINANCE LIMITED→ 15995879 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
CHRISTIANS AGAINST POVERTY→ 04655175 · est 2003 · no financials extracted	—	—	—	—	23y	—	—
CLEARPATH PARAPLANNING LTD→ 16769512 · est 2025 · no financials extracted	—	—	—	—	—	—	—

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

Incorporated2006-01-26

Jurisdictionengland-wales

Primary SIC66300 — Fund management activities

Registered office

3 Ingrow Bridge

Keighley

BD21 5AX

England

Filing status

Accounts

Next due: 2026-10-31

Last made up to: 2025-01-31

Confirmation statement

Next due: 2022-02-09OVERDUE

Last: 2021-01-26

Officers (1 active · 5 resigned)

GILL, Benjamin→

director · ~28y · appointed 2019-01-26

View their other companies + combined net worth →

Active

TOFT, Eileen→

secretary · appointed 2006-04-11 · resigned 2009-12-08

Resigned

TURNER LITTLE COMPANY SECRETARIES LIMITED→

corporate-secretary · appointed 2006-01-26 · resigned 2009-07-01

Resigned

GILL, Michelle→

director · ~61y · appointed 2006-01-26 · resigned 2020-05-31

Resigned

MOORE, Richard→

director · ~51y · appointed 2023-03-17 · resigned 2024-06-11

Resigned

TURNER LITTLE COMPANY NOMINEES LIMITED→

corporate-director · appointed 2006-01-26 · resigned 2006-01-26

Resigned

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

Recent filings (67 total)

gazette-notice-compulsory

gazette · GAZ1

2026-05-05

cessation-of-a-person-with-significant-control

persons-with-significant-control · PSC07

2026-03-17

notification-of-a-person-with-significant-control

persons-with-significant-control · PSC01

2026-03-17

gazette-filings-brought-up-to-date

gazette · DISS40

2025-11-12

accounts-with-accounts-type-micro-entity

accounts · AA

2025-11-11

dissolved-compulsory-strike-off-suspended

dissolution · DISS16(SOAS)

2025-08-07

gazette-notice-compulsory

gazette · GAZ1

2025-07-29

gazette-filings-brought-up-to-date

gazette · DISS40

2025-03-15

accounts-with-accounts-type-micro-entity

accounts · AA

2025-03-14

termination-director-company-with-name-termination-date

officers · TM01

2024-06-11

dissolved-compulsory-strike-off-suspended

dissolution · DISS16(SOAS)

2024-06-11

gazette-notice-compulsory

gazette · GAZ1

2024-05-14

gazette-filings-brought-up-to-date

gazette · DISS40

2023-11-01

accounts-with-accounts-type-micro-entity

accounts · AA

2023-10-31

dissolved-compulsory-strike-off-suspended

dissolution · DISS16(SOAS)

2023-09-09