CREDIT SOLUTIONS INTERNATIONAL LIMITED

💤Zombieactive
06737043 · ltd · incorporated 2008-10-30
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 Dec 2024
Net worth
£6.3k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66210Risk and damage evaluation
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. 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: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (79/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (1 active, 5 linked, 4 with DOB)
86
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
56 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £6,271

Key financials

2 years extracted from filed iXBRL accounts
Cash
£86k
Net Worth
£6k
Current Assets
£94k
Current Liabilities
—
£0£19k£37k£56k£75k£94kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Total assets£6.3k—
Current assets£93.6k—
Cash£85.5k—
Debtors£8.1k—
Net assets£6.3k—
Average employees—100

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

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-04-30
    ➖
    DEVOY, John Michael resigned
    director
  2. 2026-04-30
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  3. 2025-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-09-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-12-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-07-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-06-24
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2019-06-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2019-06-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2019-06-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2019-06-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2018-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-01-04
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  17. 2017-07-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2015-07-09
    ➖
    DRAGOSAVAC, Irving resigned
    director
  19. 2015-05-14
    ➕
    DEVOY, John Michael appointed
    director
  20. 2015-05-14
    ➕
    DRAGOSAVAC, Irving appointed
    director
  21. 2014-07-20
    ➕
    DAVIES, Philip Peter appointed
    director
  22. 2014-07-20
    ➖
    BOWER, Iain resigned
    director
  23. 2009-12-01
    ➖
    @UKPLC CLIENT SECRETARY LTD resigned
    corporate-secretary
  24. 2008-10-30
    🏢
    Company incorporated
    As CREDIT SOLUTIONS INTERNATIONAL LIMITED
  25. 2008-10-30
    ➕
    @UKPLC CLIENT SECRETARY LTD appointed
    corporate-secretary
  26. 2008-10-30
    ➕
    BOWER, Iain appointed
    director

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 62 — approaching natural succession window.

Succession & seller-readiness

78/100
Likely off-market candidate

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 12 years.
  • secondaryStable-but-static management: Company is 18 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr John Michael Devoy
Individual · British · DOB 07/1965 · age 61
50–75%
50–75%board control50-75% shares · 50-75% voting · board control06/04/2016
Mr Ian Longhorn
Individual · British · DOB 09/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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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————24y——
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16417027 · est 2025 · no financials extracted
———————
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02742818 · est 1992 · no financials extracted
————33y——
COSSEC CONSULTANCY LIMITED→
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————19y——
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————3y——
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————13y——
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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
Incorporated2008-10-30
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

5-7 Grosvenor Court
Foregate Street
Chester
Cheshire
CH1 1HG
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-05-11
Last: 2026-04-27

Officers (1 active · 4 resigned)

DAVIES, Philip Peter→
director · ~62y · appointed 2014-07-20
View their other companies + combined net worth →
Active
@UKPLC CLIENT SECRETARY LTD→
corporate-secretary · appointed 2008-10-30 · resigned 2009-12-01
Resigned
BOWER, Iain→
director · ~58y · appointed 2008-10-30 · resigned 2014-07-20
Resigned
DEVOY, John Michael→
director · ~61y · appointed 2015-05-14 · resigned 2026-04-30
Resigned
DRAGOSAVAC, Irving→
director · ~63y · appointed 2015-05-14 · resigned 2015-07-09
Resigned

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

Recent filings (56 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-11
termination-director-company-with-name-termination-date
officers · TM01
2026-04-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-20
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-29
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-30
confirmation-statement-with-updates
confirmation-statement · CS01
2021-05-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-07-11