4SYTE SECURED FINANCE LTD

🏛️Establishedactive

11612873 · ltd · incorporated 2018-10-09

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 Dec 2025

Net worth

—

book net assets

Opportunity

74/100

Strong

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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

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 74/100 (strong), bankability 57/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

7 live charges · 3 lenders · oldest 6.7y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 6.7 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (84/100)

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

Lenders & charges

7 charges (7/7 with lender, 7/7 with type)

Directors & officers

5 officers (5 active, 5 linked, 5 with DOB)

Ownership & PSC

2 active PSC(s) of 4 total, 4 with control declared

Director network

13 connected companies via shared directors

Filing history

44 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

74/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

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	2025-12-31	2024-12-31
Average employees	4	0

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

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (32 events)Click to expand

2026-03-04
📄
accounts-with-accounts-type-small
accounts · AA
2025-07-25
📄
accounts-with-accounts-type-small
accounts · AA
2025-07-01
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-27
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-26
🔒
Charge registered #7
Lender: Shawbrook Bank Limited
2025-06-26
🔒
Charge registered #6
Lender: Nagoh, Designated Activity Company
2024-10-16
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-16
📄
change-person-director-company-with-change-date
officers · CH01
2024-03-25
📄
accounts-with-accounts-type-small
accounts · AA
2024-01-22
✏️
certificate-change-of-name-company
change-of-name · CERTNM
2023-11-30
📄
change-person-director-company-with-change-date
officers · CH01
2023-11-30
📄
change-person-director-company-with-change-date
officers · CH01
2023-11-17
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-10
🔒
Charge registered #5
Lender: Shawbrook Bank Limited
2023-07-11
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-04-04
📄
accounts-with-accounts-type-small
accounts · AA
2022-06-10
📄
accounts-with-accounts-type-small
accounts · AA
2021-04-01
📄
memorandum-articles
incorporation · MA
2021-04-01
📄
resolution
resolution · RESOLUTIONS
2021-03-31
📄
accounts-with-accounts-type-small
accounts · AA
2021-03-25
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-03-17
🔒
Charge registered #4
Lender: Shawbrook Bank Limited
2020-12-16
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-12-14
🔒
Charge registered #3
Lender: Nagoh, Designated Activity Company
2019-08-20
🔒
Charge registered #2
Lender: Nagoh Designated Activity Company
2019-08-20
🔒
Charge registered #1
Lender: Nagoh, Designated Activity Company
2019-08-02
➕
PRICE, Catherine Jane appointed
director
2019-01-21
➕
BARKER, Paul Michael appointed
director
2019-01-21
➕
FENTON, Paul appointed
director
2018-10-09
🏢
Company incorporated
As 4SYTE SECURED FINANCE LTD
2018-10-09
➕
GUNDERSEN, Magnus Ingolf appointed
director
2018-10-09
➕
SELLARS, Nicholas Anthony appointed
director

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

50/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.

Red flags

1 low

7 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

4syte Limited holds 25-50% — a significant corporate investor but not a controlling parent.

🏛️

4syte Limited

Corporate parent · holds 25-50% shares

significant stake

⬇

4SYTE SECURED FINANCE LTD

This company · 11612873

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
4syte Limited Corporate entity	25–50%	—	25-50% shares	09/10/2018
Ms Marjorie Ellen Hogan Individual · American · DOB 11/1955 · age 71	—	—	sig. influencesignificant influence	02/08/2019

2 historic (ceased) PSCs

Marjorie Hoganceased 02/08/2019· significant influence
Mr Magnus Ingolf Gundersenceased 02/08/2019· 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
11S CAPITAL LIMITED→ 14274514 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
1AF2 LTD→ 13382084 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
2DMATERIALS.INVESTMENTS LTD→ 16659029 · est 2025 · no financials extracted	—	—	—	—	—	—	—
360 WEALTH LTD→ 14194992 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
44 BENEFIT SOLUTIONS LIMITED→ 08272027 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
49 WOODLAND ROAD (FREEHOLD) LIMITED→ 11848052 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
4SYTE ABL LIMITED→ 11403246 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
4SYTE FINANCE LIMITED→ 12701421 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
4SYTE LTD→ 10117411 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
4SYTE RECEIVABLES FINANCE LTD→ 12715895 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
4SYTE SECURED LENDING LTD→ 16017313 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
4SYTE TM LTD→ 16171156 · est 2025 · no financials extracted	—	—	—	—	1y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2018-10-09

Jurisdictionengland-wales

Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

Second Floor Steeple House

Church Lane

Chelmsford

Essex

CM1 1NH

England

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-08-16

Last: 2025-08-02