CENTRIC MORTGAGE FINANCE LTD
💤Zombieactive
08337754 · ltd · incorporated 2012-12-20
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 2025
Net worth
£9.5k
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 73/100 (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: strategic trade sale (65/100).
Data confidence
Overall: medium (76/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 1 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
29 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
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £9,503
Net assets shrinking
Down £7,581 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£10k
↓ 44% YoY
Current Assets
£10k
↓ 44% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Total assets | £9.5k | £17.1k |
| Current assets | £9.5k | £17.1k |
| Net assets | £9.5k | £17.1k |
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
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
- 2026-02-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-09-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-09-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-09-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-09-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-09-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-01-08📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-09-25📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-12-30📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2012-12-20🏢Company incorporatedAs CENTRIC MORTGAGE FINANCE LTD
- 2012-12-20➕HARRIS, Jacqueline appointedsecretary
- 2012-12-20➕HARRIS, Nicholas Edward appointeddirector
Owner dependency
80/100
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.
- +No director turnover: Company is 14 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
58/100
Strong succession signalMultiple 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.
- secondary12+ year tenure: Director in role 14 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Nicholas Edward Harris Individual · British · DOB 10/1975 · age 51 | 50–75% | — | 50-75% shares | 20/12/2016 |
Mrs Jacqueline Harris Individual · British · DOB 05/1973 · age 53 | 25–50% | — | 25-50% shares | 20/12/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| AXE ASSET MANAGEMENT LTD→ 13947001 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| BRINDLEY RISK CONSULTANCY LIMITED→ 07888597 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BULMER HOUSE ADVISORY LTD→ 10309223 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CAPITAL CONNECTION LIMITED→ 04094829 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| CAPON CAPITAL LIMITED→ 13535466 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CARLETON-LIGHTFOOT SERVICES LIMITED→ 02625309 · est 1991 · no financials extracted | — | — | — | — | 34y | — | — |
| CARPE DIEM MANAGEMENT→ 10830016 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CFDS (PRO) LTD.→ 07133719 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| CHALLENGE GROUP (UK) LIMITED→ 07996568 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| CHALLENGE GROUP LIVESTOCK LIMITED→ 07996620 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| CHANCERY FINANCIAL LIMITED→ 04243977 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| CHANCERY MORTGAGE SERVICES LIMITED→ 04249982 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
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
Incorporated2012-12-20
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
58 Southfields Road
West Kingsdown
Sevenoaks
Kent
TN15 6LE
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-01-03
Last: 2025-12-20
Officers (2 active · 0 resigned)
HARRIS, Jacqueline→
Activesecretary · appointed 2012-12-20
View their other companies + combined net worth →
HARRIS, Nicholas Edward→
Activedirector · ~51y · appointed 2012-12-20
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (29 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-20
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-01
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-29
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-03
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-31
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-31
accounts-with-accounts-type-micro-entity
accounts · AA
2020-09-30
confirmation-statement-with-updates
confirmation-statement · CS01
2019-12-28