4SYTE LTD
🌳Matureactive
10117411 · ltd · incorporated 2016-04-11
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: SIC 64992
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 75/100 (strong), bankability 57/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
8 live charges · 5 lenders · oldest 9.6y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 9.6 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)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
No iXBRL financials extracted
0
Lenders & charges
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
10 officers (7 active, 10 linked, 7 with DOB)
84
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
16 connected companies via shared directors
90
Filing history
55 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
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
- 2025-12-19📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-12-16➕LUND, Henriette Marie appointedsecretary
- 2025-12-08📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-12-05➖SUTTON, Julian resignedsecretary
- 2025-10-09📄replacement-filing-of-director-appointment-with-nameofficers · RP01AP01
- 2025-09-30📄accounts-with-accounts-type-groupaccounts · AA
- 2025-09-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-10🔒Charge registered #8Lender: Rbs Invoice Finance Limited as Security Agent
- 2025-09-10🔒Charge registered #7Lender: Rbs Invoice Finance Limited as Security Agent
- 2025-07-04➕LAWLESS, Byron appointeddirector
- 2025-07-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-26🔒Charge registered #6Lender: Shawbrook Bank Limited
- 2024-07-09📄accounts-with-accounts-type-groupaccounts · AA
- 2024-07-04➖WILSON, Samantha resigneddirector
- 2024-07-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-03-08➕SUTTON, Julian appointedsecretary
- 2024-03-08📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2023-11-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-10🔒Charge registered #5Lender: Shawbrook Bank Limited
- 2023-10-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-16🔒Charge registered #4Lender: Rbs Invoice Finance Limited
- 2023-10-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-03-31📄accounts-with-accounts-type-smallaccounts · AA
- 2022-10-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-10-19🔓Charge satisfied #1
- 2022-09-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-09-23🔒Charge registered #3Lender: Rbs Invoice Finance Limited (As Security Agent)
- 2022-08-02📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-08-01➖AVGOUSTIDIS, Tania resignedsecretary
- 2022-06-20📄accounts-with-accounts-type-smallaccounts · AA
- 2021-07-05📄accounts-with-accounts-type-smallaccounts · AA
- 2021-05-07➕AVGOUSTIDIS, Tania appointedsecretary
- 2021-03-17🔒Charge registered #2Lender: Shawbrook Bank Limited
- 2020-07-08➕FENTON, Paul appointeddirector
- 2018-08-16➕WILSON, Samantha appointeddirector
- 2016-12-20🔒Charge registered #1Lender: Aldermore Bank PLC
- 2016-11-10➕BARKER, Paul Michael appointeddirector
- 2016-11-10➕BENSON, Mark Jeremy appointeddirector
- 2016-07-07➕SELLARS, Nicholas Anthony appointeddirector
- 2016-04-11🏢Company incorporatedAs 4SYTE LTD
- 2016-04-11➕GUNDERSEN, Magnus Ingolf appointeddirector
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 low7 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Balder Capital Limited holds 25-50% — a significant corporate investor but not a controlling parent.
🏛️significant stake
Balder Capital Limited
Corporate parent · holds 25-50% shares
⬇
4SYTE LTD
This company · 10117411
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Balder Capital Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 19/08/2020 |
Mr Mark Jeremy Benson Individual · British · DOB 07/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 19/08/2020 |
2 historic (ceased) PSCs
- Roaring Water Capital Ltdceased 19/08/2020· 25-50% shares
- Balder Capital Ltdceased 19/08/2020· 25-50% shares
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 · CM postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CMMB LTD→ 07936299 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| COTTER MORTGAGES LTD→ 14509420 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CRISP CONSULTANTS LIMITED→ 08373911 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| CROISSANT CAPITAL LTD→ 11503405 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| D MILLER HOLDINGS LTD→ 14662185 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| D R BAKER FINANCIAL SERVICES LTD→ 06035423 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| DAVID LEWIS MORTGAGE SERVICES LIMITED→ 12527404 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| DC FINANCE LIMITED→ 16806506 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DDH FINANCIAL SERVICES LTD→ 09989571 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| DDP PARTNERS LIMITED→ 16691138 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DELAWARE CAPITAL LIMITED→ 11589363 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| DENBRICK LIMITED→ 02513146 · est 1990 · no financials extracted | — | — | — | — | 35y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2016-04-11
Jurisdictionengland-wales
Primary SIC64992 — SIC 64992
Registered office
Second Floor Steeple House
Church Lane
Chelmsford
Essex
CM1 1NH
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-19
Last: 2025-12-05
Officers (7 active · 3 resigned)
LUND, Henriette Marie→
Activesecretary · appointed 2025-12-16
View their other companies + combined net worth →
BARKER, Paul Michael→
Activedirector · ~46y · appointed 2016-11-10
View their other companies + combined net worth →
BENSON, Mark Jeremy→
Activedirector · ~64y · appointed 2016-11-10
View their other companies + combined net worth →
FENTON, Paul→
Activedirector · ~48y · appointed 2020-07-08
View their other companies + combined net worth →
GUNDERSEN, Magnus Ingolf→
Activedirector · ~54y · appointed 2016-04-11
View their other companies + combined net worth →
LAWLESS, Byron→
Activedirector · ~42y · appointed 2025-07-04
View their other companies + combined net worth →
SELLARS, Nicholas Anthony→
Activedirector · ~65y · appointed 2016-07-07
View their other companies + combined net worth →
AVGOUSTIDIS, Tania→
Resignedsecretary · appointed 2021-05-07 · resigned 2022-08-01
SUTTON, Julian→
Resignedsecretary · appointed 2024-03-08 · resigned 2025-12-05
WILSON, Samantha→
Resigneddirector · ~55y · appointed 2018-08-16 · resigned 2024-07-04
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
7
Outstanding
2
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | NatWest Group Rbs Invoice Finance Limited as Security Agent | A registered charge | — | 10/09/2025 | — | |
| outstanding | NatWest Group Rbs Invoice Finance Limited as Security Agent | A registered charge | — | 10/09/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | — | 26/06/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 10/11/2023 | — | |
| outstanding | NatWest Group Rbs Invoice Finance Limited | A registered charge | 1 property | 16/10/2023 | — | |
| outstanding | NatWest Group Rbs Invoice Finance Limited (As Security Agent) | A registered charge | — | 23/09/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | — | 17/03/2021 | — | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 20/12/2016 | 19/10/2022 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (55 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-24
appoint-person-secretary-company-with-name-date
officers · AP03
2025-12-19
termination-secretary-company-with-name-termination-date
officers · TM02
2025-12-08
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2025-10-09
accounts-with-accounts-type-group
accounts · AA
2025-09-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-15
appoint-person-director-company-with-name-date
officers · AP01
2025-07-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-02
accounts-with-accounts-type-group
accounts · AA
2024-07-09
termination-director-company-with-name-termination-date
officers · TM01
2024-07-04
appoint-person-secretary-company-with-name-date
officers · AP03
2024-03-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-17