BADGER LOANS LIMITED
💤Zombieactive
10159832 · ltd · incorporated 2016-05-03
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 May 2025
Net worth
£12.4k
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 76/100 (strong), bankability 75/100. 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: share sale to pe / searcher (73/100).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (1 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
34 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £12,376
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£12k
↑ 389% YoY
Current Assets
£2k
↑ 206% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £12.8k | £320 |
| Current assets | £1.7k | £560 |
| Net assets | £12.4k | £2.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 1 persons-with-significant-control
- • 1 officers
Last 180 days
2
filings
- • 1 persons-with-significant-control
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-03-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-13📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-11-12➖SIMS, Lenor Louisa resigneddirector
- 2020-08-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-03-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-02-19➕SIMS, Lenor Louisa appointeddirector
- 2020-02-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-01-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-01-13📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-01-12➖SIMS, Lenor resigneddirector
- 2019-07-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-05-03🏢Company incorporatedAs BADGER LOANS LIMITED
- 2016-05-03➕SIMS, Ian appointeddirector
- 2016-05-03➕SIMS, Lenor appointeddirector
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
Succession & seller-readiness
65/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- 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.)
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ian Sims Individual · British · DOB 08/1963 · age 63 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 03/05/2016 |
1 historic (ceased) PSC
- Mrs Lenor Simsceased 12/01/2020· 25-50% shares · 25-50% voting
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 · TQ postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 23 ALMA ROAD LTD→ 16418578 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A. HOSIE LIMITED→ 04375075 · est 2002 · no financials extracted | — | — | — | — | 24y | — | — |
| A&T TRADES LTD→ 16542613 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABPORT LIMITED→ 01118346 · est 1973 · no financials extracted | — | — | — | — | 52y | — | — |
| ADVANCE FINANCIAL PLANNING (SOUTH WEST) LTD→ 06861584 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| ALLNUTTS ABOUT FINANCE LTD→ 13299912 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| APPLEBUSH LIMITED→ 03168970 · est 1996 · no financials extracted | — | — | — | — | 30y | — | — |
| ARDAROS CAPITAL INVESTMENTS LIMITED→ 11272860 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ASSURED DIRECT HOMELOANS LTD→ 05940124 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| B4U FINANCIAL SERVICES LIMITED→ 09699384 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| BARTONWOOD LEASING LIMITED→ 08849056 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| BAY CARE VENTURES LTD→ 16032320 · 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
Incorporated2016-05-03
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Registered office
C/O Iaw Accountancy Services
5 Hyde Road
Paignton
Devon
TQ4 5BW
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-07-28
Last: 2025-07-14
Officers (1 active · 2 resigned)
Active
SIMS, Lenor Louisa→
Resigneddirector · ~98y · appointed 2020-02-19 · resigned 2020-11-12
SIMS, Lenor→
Resigneddirector · ~98y · appointed 2016-05-03 · resigned 2020-01-12
Click a director name to see their full track record across all companies.
Recent filings (34 total)
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-19
change-person-director-company-with-change-date
officers · CH01
2026-03-19
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-14
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-20
change-person-director-company-with-change-date
officers · CH01
2024-11-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-14
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-14
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-21
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-05