CENTRIC SPV 1 LTD.

💤Zombieactive
06441060 · ltd · incorporated 2007-11-29
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
—
not disclosed
Net worth
—
book net assets
Opportunity
73/100
Strong
🔔
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What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 73/100 (strong), bankability 77/100. 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. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

9 live charges · 6 lenders · oldest 18.4y

15/100
under pressure

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

  • · Oldest live charge is 18.4 years old — likely at or near maturity.
  • · 6 lenders named — inter-creditor friction likely.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (60/100)

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
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
18 officers (2 active, 18 linked, 15 with DOB)
87
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
114 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
77
Few red 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 (70 events)Click to expand
  1. 2025-05-12
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2024-10-08
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  3. 2023-09-28
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  4. 2022-06-06
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  5. 2021-09-30
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  6. 2021-06-07
    ➖
    COWIE, Ian resigned
    director
  7. 2021-06-07
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2020-11-06
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  9. 2019-07-31
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  10. 2019-02-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2018-10-10
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  12. 2018-10-10
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  13. 2018-07-27
    ➕
    COWIE, Ian appointed
    director
  14. 2018-07-27
    ➖
    PATEMAN, Stephen James, Chief Executive Officer resigned
    director
  15. 2018-07-27
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2018-07-27
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2018-07-25
    📄
    resolution
    resolution · RESOLUTIONS
  18. 2018-07-17
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  19. 2018-02-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  20. 2018-02-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  21. 2018-02-02
    ➕
    MINTO, Dylan appointed
    director
  22. 2018-01-23
    ➖
    JOHNSON, Stephen David resigned
    director
  23. 2016-07-06
    ➕
    PATEMAN, Stephen James, Chief Executive Officer appointed
    director
  24. 2016-06-30
    ➖
    WOOD, Thomas Francis resigned
    director
  25. 2015-10-02
    ➖
    PYMAN, Richard Anthony resigned
    director
  26. 2015-07-08
    ➕
    JOHNSON, Stephen David appointed
    director
  27. 2015-07-08
    ➖
    ONSLOW, John Peter resigned
    director
  28. 2014-07-15
    🔓
    Charge satisfied #9
  29. 2014-07-15
    🔓
    Charge satisfied #8
  30. 2014-07-15
    🔓
    Charge satisfied #7
  31. 2014-07-15
    🔓
    Charge satisfied #6
  32. 2014-07-15
    🔓
    Charge satisfied #5
  33. 2014-06-09
    ➕
    RUSHBROOK, Daniel James appointed
    secretary
  34. 2014-06-09
    ➖
    ARCHIBALD, Robin Andrew Crawford resigned
    secretary
  35. 2014-06-09
    ➖
    ARCHIBALD, Robin Andrew Crawford resigned
    director
  36. 2014-06-09
    ➖
    BATES, Stuart James resigned
    director
  37. 2014-06-09
    ➖
    HAWKINS, Tim James resigned
    director
  38. 2014-06-09
    ➕
    PYMAN, Richard Anthony appointed
    director
  39. 2014-06-09
    ➖
    RUTHERFORD, Andrew Philip resigned
    director
  40. 2014-06-09
    ➖
    SALES, Christopher Michael resigned
    director
  41. 2014-06-09
    ➖
    WOOD, Lisa resigned
    director
  42. 2014-06-09
    ➕
    WOOD, Thomas Francis appointed
    director
  43. 2013-12-23
    🔒
    Charge registered #9
    Lender: Lloyds Bank Commercial Finance Limited ("Security Agent")
  44. 2013-08-06
    🔒
    Charge registered #8
    Lender: Lloyds Tsb Commercial Finance Limited (Security Agent)
  45. 2012-07-30
    ➕
    BATES, Stuart James appointed
    director
  46. 2011-11-10
    🔓
    Charge satisfied #4
  47. 2011-11-10
    🔓
    Charge satisfied #3
  48. 2011-11-01
    🔒
    Charge registered #7
    Lender: Lloyds Tsb Commercial Finance Limited ("Security Agent")
  49. 2011-08-22
    🔒
    Charge registered #6
    Lender: Lloyds Tsb Bank PLC
  50. 2010-07-21
    🔒
    Charge registered #5
    Lender: Lloyds Tsb Bank PLC
Showing most recent 50 of 70 events

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

Red flags

1 med ·
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

Shawbrook Bank Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Shawbrook Bank Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
CENTRIC SPV 1 LTD.
This company · 06441060

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
Shawbrook Bank Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control09/10/2018
1 historic (ceased) PSC
  • Centric Group Finance Ltd.ceased 09/10/2018· 75-100% shares · 75-100% voting · board control

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
Incorporated2007-11-29
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: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-08
Last: 2025-10-25

Officers (2 active · 16 resigned)

RUSHBROOK, Daniel James→
secretary · appointed 2014-06-09
View their other companies + combined net worth →
Active
MINTO, Dylan→
director · ~46y · appointed 2018-02-02
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 2007-11-29 · 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
COWIE, Ian→
director · ~66y · appointed 2018-07-27 · resigned 2021-06-07
Resigned
DUFF, Rory→
director · ~48y · appointed 2007-11-29 · 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
PATEMAN, Stephen James, Chief Executive Officer→
director · ~63y · appointed 2016-07-06 · resigned 2018-07-27
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

9
Total charges
0
Outstanding
0
Active lenders
Status:Lender:9 of 9 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
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 property21/12/200710/07/2008

Recent filings (114 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-10
accounts-with-accounts-type-dormant
accounts · AA
2025-05-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-07
accounts-with-accounts-type-dormant
accounts · AA
2024-10-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-07
accounts-with-accounts-type-dormant
accounts · AA
2023-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-25
accounts-with-accounts-type-dormant
accounts · AA
2022-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-26
accounts-with-accounts-type-dormant
accounts · AA
2021-09-30
termination-director-company-with-name-termination-date
officers · TM01
2021-06-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-11
accounts-with-accounts-type-dormant
accounts · AA
2020-11-06
confirmation-statement-with-updates
confirmation-statement · CS01
2019-10-24
accounts-with-accounts-type-dormant
accounts · AA
2019-07-31