CARD SAVER LTD
💤Zombieactive
09188754 · ltd · incorporated 2014-08-28
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
75/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 85/100. 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).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 10.7y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 10.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (75/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (1 active, 7 linked, 7 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
52 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-09-30 |
|---|---|
| Average employees | 13 |
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
1
filing
- • 1 address
Last 180 days
2
filings
- • 1 address
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
- 2026-05-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-09-29📄accounts-with-accounts-type-smallaccounts · AA
- 2025-06-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-06-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-09-05📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2024-07-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-30📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-01-30📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-07-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-07-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-07-18➖DAVIDSON, Rowan James resigneddirector
- 2023-07-18➖PILLEY, Melissa Jane resigneddirector
- 2023-07-06➖CHAPMAN, Ross Anthony resigneddirector
- 2023-05-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-15📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-04-25🔓Charge satisfied #2
- 2023-03-01➕DAVIDSON, Rowan James appointeddirector
- 2023-03-01➕PILLEY, Melissa Jane appointeddirector
- 2023-02-01➕PILLEY, Jamie Robert appointeddirector
- 2022-06-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-09-28➖DAVIDSON, Michelle Caron resigneddirector
- 2021-08-26➖MCLAUGHLIN, John Daniel resigneddirector
- 2021-03-25🔓Charge satisfied #1
- 2021-02-11➕MCLAUGHLIN, John Daniel appointeddirector
- 2021-02-11➖PILLEY, Andrew James resigneddirector
- 2020-11-11🔒Charge registered #2Lender: IL2 (2018)
- 2017-10-26➕CHAPMAN, Ross Anthony appointeddirector
- 2015-10-27🔒Charge registered #1Lender: Lloyds Bank PLC
- 2014-08-28🏢Company incorporatedAs CARD SAVER LTD
- 2014-08-28➕DAVIDSON, Michelle Caron appointeddirector
- 2014-08-28➕PILLEY, Andrew James appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial 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
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
East Pines Energy Investments Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
East Pines Energy Investments Limited
Corporate parent · holds 75-100% shares · board control
⬇
CARD SAVER LTD
This company · 09188754
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
East Pines Energy Investments Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 15/05/2025 |
2 historic (ceased) PSCs
- East Pines Holdings Ltdceased 15/05/2025· 75-100% shares · 75-100% voting · board control
- Mr Andrew James Pilleyceased 20/12/2023· 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 →Similar companies
Active · Financial services · FY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALLIUM MONEY LIMITED→ 10977963 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| BOWMORE INVESTMENTS LIMITED→ 09924895 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CLIFTON COMMERCIAL FINANCE LTD→ 12031780 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| COMFORIN FUNDING LIMITED→ 16415911 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CONSTRUCTIVE ASSET FINANCE LTD→ 14996682 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| COOPER PROPERTY CLAIMS LIMITED→ 15189010 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CORDATUS CONSULTING LIMITED→ 14252883 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CORPORATE & PERSONAL WEALTH SOLUTIONS LIMITED→ 09594052 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CRANLEIGH HOUSE ASSOCIATES LTD→ 07366925 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| CYK CONSULTING LIMITED→ 09693874 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| D AND L I LTD→ 16571364 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DAILY SAVERS INVESTMENTS UK LTD→ 15817711 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2014-08-28
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Fleetwood Town Football Club
Park Avenue
Fleetwood
FY7 6TX
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2027-02-13
Last: 2026-01-30
Officers (1 active · 6 resigned)
PILLEY, Jamie Robert→
Activedirector · ~30y · appointed 2023-02-01
View their other companies + combined net worth →
CHAPMAN, Ross Anthony→
Resigneddirector · ~46y · appointed 2017-10-26 · resigned 2023-07-06
DAVIDSON, Michelle Caron→
Resigneddirector · ~53y · appointed 2014-08-28 · resigned 2021-09-28
DAVIDSON, Rowan James→
Resigneddirector · ~24y · appointed 2023-03-01 · resigned 2023-07-18
MCLAUGHLIN, John Daniel→
Resigneddirector · ~48y · appointed 2021-02-11 · resigned 2021-08-26
PILLEY, Andrew James→
Resigneddirector · ~56y · appointed 2014-08-28 · resigned 2021-02-11
PILLEY, Melissa Jane→
Resigneddirector · ~22y · appointed 2023-03-01 · resigned 2023-07-18
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | IL2 (2018) | A registered charge | 3 properties | 11/11/2020 | 25/04/2023 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 27/10/2015 | 25/03/2021 |
Recent filings (52 total)
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-05-19
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-02
accounts-with-accounts-type-small
accounts · AA
2025-09-29
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-06-02
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-06-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-10
change-account-reference-date-company-current-shortened
accounts · AA01
2024-09-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-26
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-31
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-30
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-01-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-31
termination-director-company-with-name-termination-date
officers · TM01
2023-07-24
termination-director-company-with-name-termination-date
officers · TM01
2023-07-24