CENTRIC COMMERCIAL FINANCE LTD.

⚰️Wound downdissolved
06406043 · ltd · incorporated 2007-10-22
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
🔒Estimated value
—
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Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
59/100
Worth a look
🔔
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What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed unclear — structural issues outweigh the discount.

Opportunity 59/100 (worth a look), bankability 72/100. Strong seller-intent signal (60/100, director aged 63). Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

10 live charges · 7 lenders · oldest 18.3y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 18.3 years old — likely at or near maturity.
  • · 7 lenders named — inter-creditor friction likely.
  • · Legal-friction score 45/100 (high).

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
10 charges (10/10 with lender, 10/10 with type)
90
Directors & officers
16 officers (2 active, 16 linked, 13 with DOB)
86
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
99 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
59/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
30
Concerning — overdue filings or status flags present.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

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 (75 events)Click to expand
  1. 2018-08-07
    📄
    gazette-dissolved-voluntary
    gazette · GAZ2(A)
  2. 2018-08-07
    🏁
    Company dissolved
  3. 2018-06-09
    📄
    dissolution-voluntary-strike-off-suspended
    dissolution · SOAS(A)
  4. 2018-05-22
    📄
    gazette-notice-voluntary
    gazette · GAZ1(A)
  5. 2018-05-09
    📄
    dissolution-application-strike-off-company
    dissolution · DS01
  6. 2018-02-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2018-01-23
    ➖
    JOHNSON, Stephen David resigned
    director
  8. 2017-07-04
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  9. 2016-09-15
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  10. 2016-07-07
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2016-07-06
    ➕
    PATEMAN, Stephen James, Chief Executive Officer appointed
    director
  12. 2016-07-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2016-06-30
    ➖
    WOOD, Thomas Francis resigned
    director
  14. 2015-10-29
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-10-12
    📄
    accounts-with-accounts-type-full
    accounts · AA
  16. 2015-10-05
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2015-10-02
    ➖
    PYMAN, Richard Anthony resigned
    director
  18. 2015-07-15
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2015-07-15
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  20. 2015-07-08
    ➕
    JOHNSON, Stephen David appointed
    director
  21. 2015-07-08
    ➖
    ONSLOW, John Peter resigned
    director
  22. 2014-11-17
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  23. 2014-10-06
    📍
    move-registers-to-registered-office-company-with-new-address
    address · AD04
  24. 2014-10-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  25. 2014-09-06
    📄
    resolution
    resolution · RESOLUTIONS
  26. 2014-08-14
    📍
    move-registers-to-sail-company-with-new-address
    address · AD03
  27. 2014-08-14
    📍
    change-sail-address-company-with-new-address
    address · AD02
  28. 2014-07-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  29. 2014-07-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  30. 2014-07-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  31. 2014-07-15
    🔓
    Charge satisfied #10
  32. 2014-07-15
    🔓
    Charge satisfied #9
  33. 2014-07-15
    🔓
    Charge satisfied #8
  34. 2014-07-15
    🔓
    Charge satisfied #7
  35. 2014-07-15
    🔓
    Charge satisfied #6
  36. 2014-06-09
    ➕
    RUSHBROOK, Daniel James appointed
    secretary
  37. 2014-06-09
    ➖
    ARCHIBALD, Robin Andrew Crawford resigned
    secretary
  38. 2014-06-09
    ➖
    ARCHIBALD, Robin Andrew Crawford resigned
    director
  39. 2014-06-09
    ➖
    BATES, Stuart James resigned
    director
  40. 2014-06-09
    ➖
    HAWKINS, Tim James resigned
    director
  41. 2014-06-09
    ➕
    PYMAN, Richard Anthony appointed
    director
  42. 2014-06-09
    ➖
    RUTHERFORD, Andrew Philip resigned
    director
  43. 2014-06-09
    ➖
    SALES, Christopher Michael resigned
    director
  44. 2014-06-09
    ➖
    WOOD, Lisa resigned
    director
  45. 2014-06-09
    ➕
    WOOD, Thomas Francis appointed
    director
  46. 2014-03-24
    🔓
    Charge satisfied #4
  47. 2013-12-23
    🔒
    Charge registered #10
    Lender: Lloyds Bank Commercial Finance Limited ("Security Agent")
  48. 2013-08-06
    🔒
    Charge registered #9
    Lender: Lloyds Tsb Commercial Finance Limited (Security Agent)
  49. 2012-07-30
    ➕
    BATES, Stuart James appointed
    director
  50. 2011-11-10
    🔓
    Charge satisfied #5
Showing most recent 50 of 75 events

Owner dependency

83/100
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.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

75/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondaryStable-but-static management: Company is 19 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 high · 1 med ·
Company dissolved
high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2018-08-07

Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Centric Group Finance Ltd. is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Centric Group Finance Ltd.
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
CENTRIC COMMERCIAL FINANCE LTD.
This company · 06406043

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%
NameSharesVoting rightsNature of controlNotified
Centric Group Finance Ltd.
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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 →

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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

Statusdissolved
Typeltd
Incorporated2007-10-22
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.

Registered office

Lutea House Warley Hill Business Park, The Drive
Great Warley
Brentwood
Essex
CM13 3BE

Filing status

Accounts
Next due: —
Last made up to: 2016-12-31
Confirmation statement
Next due: —
Last: —

Officers (0 active · 14 resigned)

RUSHBROOK, Daniel James→
secretary · appointed 2014-06-09
View their other companies + combined net worth →
Active
PATEMAN, Stephen James, Chief Executive Officer→
director · ~63y · appointed 2016-07-06
View their other companies + combined net worth →
Active
ARCHIBALD, Robin Andrew Crawford→
secretary · appointed 2008-01-02 · resigned 2014-06-09
Resigned
SMALL, Lawrence Joseph→
secretary · appointed 2007-10-22 · resigned 2008-01-02
Resigned
ARCHIBALD, Robin Andrew Crawford→
director · ~73y · appointed 2008-01-02 · resigned 2014-06-09
Resigned
BATES, Stuart James→
director · ~53y · appointed 2012-07-30 · resigned 2014-06-09
Resigned
DUFF, Rory→
director · ~48y · appointed 2007-10-22 · resigned 2008-03-18
Resigned
HAWKINS, Tim James→
director · ~62y · appointed 2007-12-20 · resigned 2014-06-09
Resigned
JOHNSON, Stephen David→
director · ~50y · appointed 2015-07-08 · resigned 2018-01-23
Resigned
ONSLOW, John Peter→
director · ~68y · appointed 2008-01-02 · resigned 2015-07-08
Resigned
PYMAN, Richard Anthony→
director · ~58y · appointed 2014-06-09 · resigned 2015-10-02
Resigned
RUTHERFORD, Andrew Philip→
director · ~63y · appointed 2007-12-20 · resigned 2014-06-09
Resigned
SALES, Christopher Michael→
director · ~58y · appointed 2007-12-20 · resigned 2014-06-09
Resigned
WARDLE, Adam Robert→
director · ~56y · appointed 2007-12-20 · resigned 2009-01-30
Resigned
WOOD, Lisa→
director · ~58y · appointed 2008-10-01 · resigned 2014-06-09
Resigned
WOOD, Thomas Francis→
director · ~54y · appointed 2014-06-09 · resigned 2016-06-30
Resigned

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

Mortgages & charges

10
Total charges
0
Outstanding
0
Active lenders
Status:Lender:10 of 10 shown
TypeProperties
satisfied
Lloyds Banking Group
Lloyds Bank Commercial Finance Limited ("Security Agent")
A registered charge1 property23/12/201315/07/2014
satisfied
Lloyds Banking Group
Lloyds Tsb Commercial Finance Limited (Security Agent)
A registered charge1 property06/08/201315/07/2014
satisfied
Lloyds Banking Group
Lloyds Tsb Commercial Finance Limited ("Security Agent")
Group debenture1 property01/11/201115/07/2014
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Debenture1 property22/08/201115/07/2014
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Omnibus letter of set-off1 property21/07/201015/07/2014
satisfied
Lloyds Banking Group
Lloyds Tsb Commercial Finance Limited
Composite guarantee and debenture1 property14/05/201010/11/2011
satisfied
Pr-Park Lane
Pr-Park Lane Limited
Rent deposit deed1 property08/04/201024/03/2014
satisfied
Lloyds Banking Group
Lloyds Tsb Commercial Finance Limited
Composite guarantee and debenture1 property14/07/200910/11/2011
satisfied
Coface Receivables Finance (The Security Holder)
Coface Receivables Finance Limited (The Security Holder)
All assets debenture1 property07/07/200801/08/2009
satisfied
Lloyds Banking Group
Lloyds Tsb Commercial Finance Limited
Composite guarantee and debenture1 property21/12/200710/11/2011

Recent filings (99 total)

gazette-dissolved-voluntary
gazette · GAZ2(A)
2018-08-07
dissolution-voluntary-strike-off-suspended
dissolution · SOAS(A)
2018-06-09
gazette-notice-voluntary
gazette · GAZ1(A)
2018-05-22
dissolution-application-strike-off-company
dissolution · DS01
2018-05-09
termination-director-company-with-name-termination-date
officers · TM01
2018-02-06
confirmation-statement-with-updates
confirmation-statement · CS01
2017-10-24
accounts-with-accounts-type-dormant
accounts · AA
2017-07-04
confirmation-statement-with-updates
confirmation-statement · CS01
2016-11-03
accounts-with-accounts-type-dormant
accounts · AA
2016-09-15
appoint-person-director-company-with-name-date
officers · AP01
2016-07-07
termination-director-company-with-name-termination-date
officers · TM01
2016-07-06
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-10-29
accounts-with-accounts-type-full
accounts · AA
2015-10-12
termination-director-company-with-name-termination-date
officers · TM01
2015-10-05
appoint-person-director-company-with-name-date
officers · AP01
2015-07-15