CREDIT EXPERT LTD

🌳Matureactive

09506661 · ltd · incorporated 2015-03-24

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

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£-14.3k

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

ALSO REGISTERED FOR

99999SIC 99999

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: high (81/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

4 officers (2 active, 4 linked, 4 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

7 connected companies via shared directors

Filing history

31 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Negative net assets

Liabilities exceed assets by £14,316

Cash YoY

+49%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£1k

↑ 49% YoY

Net Worth

-£14k

↓ 391% YoY

Current Assets

£2k

↑ 24% YoY

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
Total assets	£-14.3k	£-2.9k
Current assets	£2.4k	£2.0k
Cash	£1.4k	£961
Debtors	£1.0k	£1.0k
Net assets	£-14.3k	£-2.9k

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

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (23 events)Click to expand

2025-08-21
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-11-21
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-21
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-21
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-12-01
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-12-09
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-12-11
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-03-05
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-02-28
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2019-02-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-02-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-02-27
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2019-02-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-02-19
➕
DOWDELLS, Stephen Morgan appointed
director
2019-02-19
➕
MURRAY, Craig William appointed
director
2019-02-19
➖
PATEL, Hitenkumar Bhikhubhai resigned
director
2018-05-05
📄
accounts-with-accounts-type-dormant
accounts · AA
2018-03-12
📄
change-person-director-company-with-change-date
officers · CH01
2017-04-27
📄
accounts-with-accounts-type-dormant
accounts · AA
2016-05-17
➖
LYNN, Trevor Gordon resigned
director
2015-03-24
🏢
Company incorporated
As CREDIT EXPERT LTD
2015-03-24
➕
LYNN, Trevor Gordon appointed
director
2015-03-24
➕
PATEL, Hitenkumar Bhikhubhai appointed
director

Owner dependency

73/100

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.
+Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

56/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Caledonian Consumer Finance Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Caledonian Consumer Finance Ltd

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

CREDIT EXPERT LTD

This company · 09506661

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
Caledonian Consumer Finance Ltd Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control · firm interest	19/02/2019

1 historic (ceased) PSC

Mr. Hitenkumar Bhikhubhai Patelceased 19/02/2019· 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 →

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ARC EDEN LIMITED→ 05299049 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
BROWNRIGG PROPERTIES LIMITED→ 07800966 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
CALEDONIAN CONSUMER FINANCE LTD→ 07368004 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
CAREER FINANCE 4 TRADE SKILLS LIMITED→ 06047066 · est 2007 · no financials extracted	—	—	—	—	19y	—	—
CMD FINANCIAL SOLUTIONS LTD→ 06650508 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
COVERNANT LTD→ 15024232 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
CROFTLANDS (CARLISLE) LTD→ 06139516 · est 2007 · no financials extracted	—	—	—	—	19y	—	—
CUMBRIA CVS TRADING LIMITED→ 08703970 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
CUMBRIA INDEPENDENT MORTGAGE SERVICES LTD→ 05697209 · est 2006 · no financials extracted	—	—	—	—	20y	—	—
CUMBRIA MORTGAGE CENTRE LIMITED→ 11653572 · est 2018 · no financials extracted	—	—	—	—	7y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2015-03-24

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Pacific House Fletcher Way

Parkhouse

Carlisle

CA3 0LJ

England

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-04-07

Last: 2026-03-24

Officers (2 active · 2 resigned)

DOWDELLS, Stephen Morgan→

director · ~63y · appointed 2019-02-19

View their other companies + combined net worth →

Active

MURRAY, Craig William→

director · ~68y · appointed 2019-02-19

View their other companies + combined net worth →

Active

LYNN, Trevor Gordon→

director · ~55y · appointed 2015-03-24 · resigned 2016-05-17

Resigned

PATEL, Hitenkumar Bhikhubhai→

director · ~51y · appointed 2015-03-24 · resigned 2019-02-19

Resigned

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