FLUENT LIFETIME LIMITED
🏛️Establishedactive
11226852 · ltd · incorporated 2018-02-27
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 6.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
78/100
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 78/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 6.1y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 6.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 23/100 — clean.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 7 with DOB)
88
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
16 connected companies via shared directors
90
Filing history
42 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
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
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
- 2026-01-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-31➖THOMPSON, Benjamin David resigneddirector
- 2025-10-01📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-10-01📄legacyaccounts · PARENT_ACC
- 2025-04-14📄legacyother · GUARANTEE2
- 2025-04-14📄legacyother · AGREEMENT2
- 2024-10-12📄accounts-with-accounts-type-smallaccounts · AA
- 2024-08-15📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-07-22➕WHEELDON, Timothy Allen appointeddirector
- 2024-07-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-06-30➖HOLLER, Fabien Benjamin resignedsecretary
- 2024-06-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-06-18➕BURGAUD MCCARTHY, Emilie Nadia Marcelline appointeddirector
- 2024-06-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-06-07➖TILLEY, Lucy Claire resigneddirector
- 2024-02-02📄accounts-with-accounts-type-smallaccounts · AA
- 2023-11-27➖HINDLEY, Kevin resigneddirector
- 2023-11-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-01-04📄accounts-with-accounts-type-smallaccounts · AA
- 2022-08-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-09🔓Charge satisfied #1
- 2022-07-18📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2022-07-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-07-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-07-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-07-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-07-13📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2022-07-11➕BRODNICKI, Peter Christopher Steven appointeddirector
- 2022-07-11➕HOLLER, Fabien Benjamin appointedsecretary
- 2022-07-11➖CONLON, Aaron Matthew resigneddirector
- 2022-07-11➕THOMPSON, Benjamin David appointeddirector
- 2022-07-11➕TILLEY, Lucy Claire appointeddirector
- 2020-06-09🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2018-05-03➕CONLON, Aaron Matthew appointeddirector
- 2018-02-27🏢Company incorporatedAs FLUENT LIFETIME LIMITED
- 2018-02-27➕HINDLEY, Kevin appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
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
The Fluent Money Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
The Fluent Money Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
FLUENT LIFETIME LIMITED
This company · 11226852
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 |
|---|---|---|---|---|
The Fluent Money Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 27/02/2018 |
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 · BL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BLACKCROWN INVESTMENTS LIMITED→ 16963321 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CONNECT BROKERS LIMITED→ 11365141 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| DAVID MORRIS FINANCE LIMITED→ 06981985 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| DOCTOR SPEX LIMITED→ 11661951 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| FAST TRACK PCP LTD→ 16291774 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| FIRESTONE LEGAL LTD→ 15262244 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| FIRST STEP (UK) LIMITED→ 05326038 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| FLUENT MONEY LIMITED→ 06200496 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| FLUENT MORTGAGES HORWICH LTD→ 14127588 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| FRA NORTH WEST LIMITED→ 15316148 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| GANTLCC LIMITED→ 14564758 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| GE (WHITEFIELD) LIMITED→ 10444376 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2018-02-27
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
102 Rivington House Chorley New Road
Horwich
Bolton
BL6 5UE
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-26
Last: 2025-11-12
Officers (3 active · 5 resigned)
BRODNICKI, Peter Christopher Steven→
Activedirector · ~64y · appointed 2022-07-11
View their other companies + combined net worth →
BURGAUD MCCARTHY, Emilie Nadia Marcelline→
Activedirector · ~46y · appointed 2024-06-18
View their other companies + combined net worth →
WHEELDON, Timothy Allen→
Activedirector · ~60y · appointed 2024-07-22
View their other companies + combined net worth →
HOLLER, Fabien Benjamin→
Resignedsecretary · appointed 2022-07-11 · resigned 2024-06-30
CONLON, Aaron Matthew→
Resigneddirector · ~39y · appointed 2018-05-03 · resigned 2022-07-11
HINDLEY, Kevin→
Resigneddirector · ~62y · appointed 2018-02-27 · resigned 2023-11-27
THOMPSON, Benjamin David→
Resigneddirector · ~57y · appointed 2022-07-11 · resigned 2025-12-31
TILLEY, Lucy Claire→
Resigneddirector · ~55y · appointed 2022-07-11 · resigned 2024-06-07
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 | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 09/06/2020 | 09/08/2022 |
Recent filings (42 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-01-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-12
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-10-01
legacy
accounts · PARENT_ACC
2025-10-01
legacy
other · GUARANTEE2
2025-04-14
legacy
other · AGREEMENT2
2025-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-05
accounts-with-accounts-type-small
accounts · AA
2024-10-12
termination-secretary-company-with-name-termination-date
officers · TM02
2024-08-15
appoint-person-director-company-with-name-date
officers · AP01
2024-07-22
appoint-person-director-company-with-name-date
officers · AP01
2024-06-27
termination-director-company-with-name-termination-date
officers · TM01
2024-06-14
accounts-with-accounts-type-small
accounts · AA
2024-02-02
termination-director-company-with-name-termination-date
officers · TM01
2023-11-27