4 CREATIVE SOLUTIONS LIMITED

🌳Matureactive
08445954 · ltd · incorporated 2013-03-14
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
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Turnover
year to Mar 2025
Net worth
£-45.6k
book net assets
Opportunity
64/100
Worth a look
🔔
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What this business does
Primary activity: SIC 18121
Sector: Manufacturing
ALSO REGISTERED FOR
  • 18129SIC 18129
  • 18130SIC 18130
  • 18140SIC 18140
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 64/100 (worth a look), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 2.6y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Newest facility, 2.6 years old — likely still in initial term.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (73/100)

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

Company profile
address, 4 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 5 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
46 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
64/100Worth a look
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £45,637

Key financials

1 year extracted from filed iXBRL accounts
Cash
£201
Net Worth
-£46k
Current Assets
£125k
Current Liabilities

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-31
Total assets£30.9k
Current assets£125.1k
Cash£201
Debtors£74.0k
Net assets£-45.6k

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

🔒Filing-note intelligence

2 signals 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
0
filings
Last 180 days
1
filing
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
  1. 2025-12-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-06-10
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2025-06-10
    🔓
    Charge satisfied #1
  4. 2025-03-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2025-03-04
    🔓
    Charge satisfied #2
  6. 2025-03-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2025-03-03
    🔒
    Charge registered #3
    Lender: Skipton Business Finance Limited
  8. 2025-02-17
    PRETOT, Janice Patricia resigned
    director
  9. 2025-02-17
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  10. 2025-02-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2025-02-14
    PRETOT, Janice Patricia appointed
    secretary
  12. 2024-12-20
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  13. 2024-12-19
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  14. 2024-12-19
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  15. 2024-02-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2024-02-13
    🔒
    Charge registered #2
    Lender: Bibby Financial Services Limited
  17. 2024-01-17
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  18. 2023-10-17
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  19. 2023-09-28
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  20. 2023-09-28
    🔒
    Charge registered #1
    Lender: Bibby Financial Services Limited
  21. 2022-12-21
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  22. 2021-12-02
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  23. 2021-06-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  24. 2020-10-14
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  25. 2019-12-30
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  26. 2017-05-27
    PRETOT, Daniel appointed
    director
  27. 2017-05-27
    PRETOT, Sacha appointed
    director
  28. 2017-05-27
    BENTLEY, Stephen Johnson, Reverend resigned
    director
  29. 2017-05-27
    PRETOT, Janice Patricia appointed
    director
  30. 2015-01-01
    BENTLEY, Stephen Johnson, Reverend appointed
    director
  31. 2015-01-01
    PRETOT, Janice Patricia resigned
    director
  32. 2013-03-14
    🏢
    Company incorporated
    As 4 CREATIVE SOLUTIONS LIMITED
  33. 2013-03-14
    PRETOT, Janice Patricia appointed
    director

Owner dependency

66/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 high · 1 med ·
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-04-20

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.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Janice Patricia Pretot
Individual · British · DOB 03/1954 · age 72
75100%
75–100%75-100% shares · 75-100% 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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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
Incorporated2013-03-14
Jurisdictionengland-wales
Primary SIC18121 — SIC 18121

Registered office

The Annex
Glendon
Kettering
NN14 1QE
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-04-20OVERDUE
Last: 2025-04-06

Officers (3 active · 3 resigned)

PRETOT, Janice Patricia
secretary · appointed 2025-02-14
View their other companies + combined net worth →
Active
PRETOT, Daniel
director · ~52y · appointed 2017-05-27
View their other companies + combined net worth →
Active
PRETOT, Sacha
director · ~55y · appointed 2017-05-27
View their other companies + combined net worth →
Active
BENTLEY, Stephen Johnson, Reverend
director · ~65y · appointed 2015-01-01 · resigned 2017-05-27
Resigned
PRETOT, Janice Patricia
director · ~72y · appointed 2017-05-27 · resigned 2025-02-17
Resigned
PRETOT, Janice Patricia
director · ~72y · appointed 2013-03-14 · resigned 2015-01-01
Resigned

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

Mortgages & charges

3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Skipton Business Finance
Skipton Business Finance Limited
A registered charge03/03/2025
satisfied
Bibby Financial Services
Bibby Financial Services Limited
A registered charge13/02/202404/03/2025
satisfied
Bibby Financial Services
Bibby Financial Services Limited
A registered charge28/09/202310/06/2025
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (46 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-23
mortgage-satisfy-charge-full
mortgage · MR04
2025-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-08
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-03
appoint-person-secretary-company-with-name-date
officers · AP03
2025-02-17
termination-director-company-with-name-termination-date
officers · TM01
2025-02-17
change-account-reference-date-company-current-extended
accounts · AA01
2024-12-20
accounts-with-accounts-type-dormant
accounts · AA
2024-12-19
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-19
certificate-change-of-name-company
change-of-name · CERTNM
2024-01-17
accounts-with-accounts-type-dormant
accounts · AA
2023-10-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-28