FENCROFT LTD
🌳Matureactive
09503193 · ltd · incorporated 2015-03-23
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 10.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
ALSO REGISTERED FOR
- 64991Security dealing on own account
- 68100Buying and selling of own real estate
- 68320Management of real estate on a fee or contract basis
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 10.9y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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, 4 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
45 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
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
100
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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 2 | 200 |
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
3
filings
- • 1 confirmation-statement
- • 1 accounts
- • 1 address
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2025-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-02-14📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-12-31➖WINTER, Catherine Renee Roberte resignedsecretary
- 2024-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-15➕WINTER, Catherine Renee Roberte appointeddirector
- 2023-03-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-02-09📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-12-17📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-07-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-07-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-06-29➕WINTER, Catherine Renee Roberte appointedsecretary
- 2021-06-29📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2021-06-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-06-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-06-12📄capital-name-of-class-of-sharescapital · SH08
- 2021-05-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-04-15🔓Charge satisfied #1
- 2015-07-01🔒Charge registered #1Lender: Svenska Handelsbanken Ab (Publ)
- 2015-03-23🏢Company incorporatedAs FENCROFT LTD
- 2015-03-23➕POLLACK, Simon appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
41/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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.)
Group structure
Motherloded Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Motherloded Ltd
Corporate parent · holds 75-100% shares · board control
⬇
FENCROFT LTD
This company · 09503193
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 |
|---|---|---|---|---|
Motherloded Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 23/03/2021 |
3 historic (ceased) PSCs
- Mrs Catherine Renee Roberte Winterceased 28/05/2021· 25-50% shares · 25-50% voting
- Motherloded Ltdceased 09/07/2021· 50-75% shares · 50-75% voting · board control
- Mr Simon Pollackceased 09/02/2023· 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 · CB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ASE INTERNATIONAL LTD→ 11841295 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| DMI VENTURES (UK) LTD→ 16487765 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EDWARD F. SALTMARSH (PRODUCE) LIMITED→ 01324683 · est 1977 · no financials extracted | — | — | — | — | 48y | — | — |
| EMBER DYNAMICS LTD→ 16635204 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ENVISION FINANCIAL PLANNING LTD→ 14224052 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| FENBRIDGE FINANCE LIMITED→ 16446740 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FENTIGER CONSULTING LTD→ 08718840 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| FENVIEWS LTD→ 10663228 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| FERRY CROSS LIMITED→ 09863627 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| FGS CORPORATION LIMITED→ 12657836 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FIDELIUM FINANCIAL PLANNERS LIMITED→ 09548030 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| FINANCIAL INNOVATION COMMONS LIMITED→ 13007286 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2015-03-23
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
George Court
Bartholemews Walk
Ely
Cambridgeshire
CB7 4JW
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-23
Last: 2026-02-09
Officers (2 active · 1 resigned)
POLLACK, Simon→
Activedirector · ~55y · appointed 2015-03-23
View their other companies + combined net worth →
WINTER, Catherine Renee Roberte→
Activedirector · ~56y · appointed 2023-11-15
View their other companies + combined net worth →
WINTER, Catherine Renee Roberte→
Resignedsecretary · appointed 2021-06-29 · resigned 2024-12-31
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Svenska Handelsbanken Ab (Publ) | A registered charge | 2 properties | 01/07/2015 | 15/04/2021 |
Recent filings (45 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-14
termination-secretary-company-with-name-termination-date
officers · TM02
2025-02-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-02-14
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
appoint-person-director-company-with-name-date
officers · AP01
2023-11-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-03-03
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-09
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-02-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-20
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2022-02-21