SANTANDER LENDING LIMITED
🌳Matureactive
05831018 · ltd · incorporated 2006-05-30
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with exceptional profile and acceptable with review structure.
Opportunity 80/100 (exceptional), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 19.1y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 19.1 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (57/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
30 officers (3 active, 30 linked, 23 with DOB)
85
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
124 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (79 events)Click to expand
- 2025-08-01📄accounts-with-accounts-type-fullaccounts · AA
- 2025-06-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-12➖IRVING, Laura-Ann Cecillia resigneddirector
- 2024-10-03📄accounts-with-accounts-type-fullaccounts · AA
- 2024-07-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-23➕LUCAS, Philip Adrian appointeddirector
- 2024-07-23➖AFFLECK, Stephen David resigneddirector
- 2023-12-19📄memorandum-articlesincorporation · MA
- 2023-12-19📄resolutionresolution · RESOLUTIONS
- 2023-12-05📄statement-of-companys-objectschange-of-constitution · CC04
- 2023-08-01📄accounts-with-accounts-type-fullaccounts · AA
- 2022-08-16📄accounts-with-accounts-type-fullaccounts · AA
- 2022-07-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-06-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-06-24➖FALLIS, Christopher Paul resigneddirector
- 2022-06-23➕WHELAN, Andrew Bernard appointeddirector
- 2021-10-06📄accounts-with-accounts-type-fullaccounts · AA
- 2020-10-13📄accounts-with-accounts-type-fullaccounts · AA
- 2020-04-08📄change-person-director-company-with-change-dateofficers · CH01
- 2020-01-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-12-16➕IRVING, Laura-Ann Cecillia appointeddirector
- 2019-10-10📄accounts-with-accounts-type-fullaccounts · AA
- 2018-12-31➖BRIGGS, Andrew Ellis Jack resigneddirector
- 2018-09-18➖ELLWOOD, Michael resigneddirector
- 2016-09-30➕AFFLECK, Stephen David appointeddirector
- 2016-06-30➖MORLEY, Colin Richard resigneddirector
- 2015-10-02➖PATEMAN, Stephen James resigneddirector
- 2014-07-07➕ELLWOOD, Michael appointeddirector
- 2014-07-07➕FALLIS, Christopher Paul appointeddirector
- 2012-08-29➕SANTANDER SECRETARIAT SERVICES LIMITED appointedcorporate-secretary
- 2012-08-29➖ABBEY NATIONAL NOMINEES LIMITED resignedcorporate-secretary
- 2011-05-31➖PEARSON, Duncan Edward resigneddirector
- 2011-03-04🔓Charge satisfied #3
- 2011-02-28➖HAWKER, Richard Allen resignedsecretary
- 2011-02-28➕ABBEY NATIONAL NOMINEES LIMITED appointedcorporate-secretary
- 2011-02-28➖MURRELL, Stephen Richard resigneddirector
- 2009-06-30➖MITCHELL, Jonathan David resigneddirector
- 2009-06-30➖SUTTON, Carl David resigneddirector
- 2009-05-01➖ANNISON, Stanley resigneddirector
- 2009-05-01➖GRIGGS, Peter John resigneddirector
- 2009-05-01➖WHITE, Charles Toby Fitzherbert resigneddirector
- 2009-04-20➖CRAGG, Paul Anselm resigneddirector
- 2009-01-22➕BRIGGS, Andrew Ellis Jack appointeddirector
- 2009-01-22➕PATEMAN, Stephen James appointeddirector
- 2008-12-31➖ELLIS, Raymond Mark resigneddirector
- 2008-12-31➖HAYGARTH, Andrew Charles resigneddirector
- 2008-10-27➕GRIGGS, Peter John appointeddirector
- 2008-10-15➖KEAY, Charles Robert resigneddirector
- 2008-07-25➖DANIEL, Lionel Walkden resigneddirector
Showing most recent 50 of 79 events
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 61 — 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 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Santander Uk Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Santander Uk Plc
Corporate parent · holds 75-100% shares · board control
⬇
SANTANDER LENDING LIMITED
This company · 05831018
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 |
|---|---|---|---|---|
Santander Uk Plc Corporate entity | 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.
🔒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
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|---|---|---|---|---|---|---|---|
| 13 CAPITAL MANAGEMENT LIMITED→ 16250008 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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| AFFINITY SUTTON FUNDING LIMITED→ 05589011 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| AFRAA ASSET MANAGEMENT LTD→ 13033207 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AFTORIA SYSTEMS LTD→ 16822185 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AGATHE WORLD LTD→ 12537663 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| AGMH LIMITED→ 08160250 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
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
Incorporated2006-05-30
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
2 Triton Square
Regent's Place
London
NW1 3AN
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-05-15
Last: 2026-05-01
Officers (3 active · 27 resigned)
SANTANDER SECRETARIAT SERVICES LIMITED→
Activecorporate-secretary · appointed 2012-08-29
View their other companies + combined net worth →
LUCAS, Philip Adrian→
Activedirector · ~56y · appointed 2024-07-23
View their other companies + combined net worth →
WHELAN, Andrew Bernard→
Activedirector · ~61y · appointed 2022-06-23
View their other companies + combined net worth →
ANNISON, Stanley→
Resignedsecretary · appointed 2007-04-12 · resigned 2007-04-23
HAWKER, Richard Allen→
Resignedsecretary · appointed 2007-05-30 · resigned 2011-02-28
MORLEY, Colin Richard→
Resignedsecretary · appointed 2007-04-23 · resigned 2007-05-30
ABBEY NATIONAL NOMINEES LIMITED→
Resignedcorporate-secretary · appointed 2011-02-28 · resigned 2012-08-29
DECHERT SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 2006-05-30 · resigned 2007-04-12
AFFLECK, Stephen David→
Resigneddirector · ~47y · appointed 2016-09-30 · resigned 2024-07-23
ANNISON, Stanley→
Resigneddirector · ~81y · appointed 2007-04-12 · resigned 2009-05-01
BRIGGS, Andrew Ellis Jack→
Resigneddirector · ~64y · appointed 2009-01-22 · resigned 2018-12-31
CRAGG, Paul Anselm→
Resigneddirector · ~77y · appointed 2007-04-23 · resigned 2009-04-20
DANIEL, Lionel Walkden→
Resigneddirector · ~80y · appointed 2007-04-23 · resigned 2008-07-25
ELLIS, Raymond Mark→
Resigneddirector · ~65y · appointed 2007-11-30 · resigned 2008-12-31
ELLWOOD, Michael→
Resigneddirector · ~65y · appointed 2014-07-07 · resigned 2018-09-18
FALLIS, Christopher Paul→
Resigneddirector · ~46y · appointed 2014-07-07 · resigned 2022-06-24
GRIGGS, Peter John→
Resigneddirector · ~67y · appointed 2008-10-27 · resigned 2009-05-01
HAYGARTH, Andrew Charles→
Resigneddirector · ~72y · appointed 2007-04-23 · resigned 2008-12-31
IRVING, Laura-Ann Cecillia→
Resigneddirector · ~45y · appointed 2019-12-16 · resigned 2025-06-12
KEAY, Charles Robert→
Resigneddirector · ~73y · appointed 2007-04-23 · resigned 2008-10-15
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
2
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Mitre Capital Partners Mitre Capital Partners Limited | Deed of assignment | 1 property | 04/10/2007 | 04/03/2011 | |
| outstanding | Hanjin Shipping Company Hanjin Shipping Company Limited | Rent security deposit deed | 1 property | 02/07/2007 | — | |
| outstanding | Alliance & Leicester Alliance & Leicester PLC | Debenture | 1 property | 23/04/2007 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (124 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-01
accounts-with-accounts-type-full
accounts · AA
2025-08-01
termination-director-company-with-name-termination-date
officers · TM01
2025-06-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-12
accounts-with-accounts-type-full
accounts · AA
2024-10-03
termination-director-company-with-name-termination-date
officers · TM01
2024-07-31
appoint-person-director-company-with-name-date
officers · AP01
2024-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-07
memorandum-articles
incorporation · MA
2023-12-19
resolution
resolution · RESOLUTIONS
2023-12-19
statement-of-companys-objects
change-of-constitution · CC04
2023-12-05
accounts-with-accounts-type-full
accounts · AA
2023-08-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-08
accounts-with-accounts-type-full
accounts · AA
2022-08-16
termination-director-company-with-name-termination-date
officers · TM01
2022-07-15