ACCESS CREDIT CONTROL LTD
💤Zombieactive
07767413 · ltd · incorporated 2011-09-08
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 Sept 2024
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
- 99999SIC 99999
Investor take
PursueActive trading company with a 66-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 66). 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: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
36 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-09-30 | 2023-09-30 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (17 events)Click to expand
- 2025-09-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-12-11📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-03-04📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-05-02📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-12-03📄gazette-filings-brought-up-to-dategazette · DISS40
- 2022-11-29📄gazette-notice-compulsorygazette · GAZ1
- 2022-03-15📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-09-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-09-10📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-05-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-06-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-06-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-06-02📄accounts-with-accounts-type-dormantaccounts · AA
- 2011-09-08🏢Company incorporatedAs ACCESS CREDIT CONTROL LTD
- 2011-09-08➕CARDWELL, John David appointeddirector
Owner dependency
95/100
Critical — business is the founderThe 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.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +No director turnover: Company is 15 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
78/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John David Cardwell Individual · British · DOB 09/1960 · age 66 | 75–100% | — | 75-100% shares | 08/09/2016 |
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
Active · Financial services · S postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1F GROUP LIMITED→ 16305749 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 4 WARD FINANCE LTD→ 11936926 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ABACUS PORTFOLIO MANAGEMENT LIMITED→ 03915043 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
| ABODE FINANCIAL LTD→ 14878383 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABODE MORTGAGE SERVICES LIMITED→ 14838866 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AC FAMILY PROTECTION LTD→ 17038912 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ACCESS 4 FINANCE LIMITED→ 07237331 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| ACCESS MONEY (GROUP) LIMITED→ 12783345 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ACCESS TO GROWTH GM LIMITED→ 10816583 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ACCESS TO INVESTMENT GM LIMITED→ 12850597 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ACE MORTGAGES LIMITED→ 13380235 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ACEFICONE→ 11918390 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2011-09-08
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
The Quadrant
99 Parkway Avenue
Sheffield
S9 4WG
England
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-09-22
Last: 2025-09-08
Officers (1 active · 0 resigned)
CARDWELL, John David→
Activedirector · ~66y · appointed 2011-09-08
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (36 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-05
accounts-with-accounts-type-dormant
accounts · AA
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-04
accounts-with-accounts-type-dormant
accounts · AA
2024-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-21
accounts-with-accounts-type-dormant
accounts · AA
2023-05-02
gazette-filings-brought-up-to-date
gazette · DISS40
2022-12-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-02
gazette-notice-compulsory
gazette · GAZ1
2022-11-29
accounts-with-accounts-type-dormant
accounts · AA
2022-03-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-27
accounts-with-accounts-type-dormant
accounts · AA
2021-09-27
change-person-director-company-with-change-date
officers · CH01
2021-09-10