CARLTON LENDING LIMITED

🏛️Establishedactive

11797097 · ltd · incorporated 2019-01-30

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 7.3y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: Other credit granting n.e.c.

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 70). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 7.3y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 7.3 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (62/100)

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

5 officers (2 active, 5 linked, 5 with DOB)

Ownership & PSC

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

Director network

17 connected companies via shared directors

Filing history

22 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

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.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

• 1 confirmation-statement
• 1 officers

Counts from Companies House filing history.

Corporate timeline (25 events)Click to expand

2025-12-23
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-04
➖
LENNEY, Simon resigned
director
2025-08-07
📄
accounts-with-accounts-type-full
accounts · AA
2024-10-18
📄
accounts-with-accounts-type-full
accounts · AA
2023-11-01
📄
accounts-with-accounts-type-full
accounts · AA
2022-11-02
📄
accounts-with-accounts-type-full
accounts · AA
2021-10-26
📄
accounts-with-accounts-type-full
accounts · AA
2021-02-23
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-02-18
📄
resolution
resolution · RESOLUTIONS
2021-02-17
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2021-02-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-02-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-02-16
➖
KENNEDY, William Alexander resigned
director
2021-02-16
➖
LUPTON, Suzanne Jean resigned
director
2020-10-27
📄
accounts-with-accounts-type-full
accounts · AA
2020-05-22
📄
change-person-director-company-with-change-date
officers · CH01
2019-03-08
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2019-02-21
🔒
Charge registered #1
Lender: City Partnership Trustee Limited
2019-01-30
🏢
Company incorporated
As CARLTON LENDING LIMITED
2019-01-30
➕
PETERSON, Craig Alistair appointed
director
2019-01-30
➕
PETERSON, Norman appointed
director
2019-01-30
➕
KENNEDY, William Alexander appointed
director
2019-01-30
➕
LENNEY, Simon appointed
director
2019-01-30
➕
LUPTON, Suzanne Jean appointed
director
2019-01-30
📄
incorporation-company
incorporation · NEWINC

Owner dependency

81/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Founder age: Director aged approximately 70 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

66/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
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

Carlton Bonds Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Carlton Bonds Plc

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

ultimate parent

⬇

CARLTON LENDING LIMITED

This company · 11797097

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
Carlton Bonds Plc Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	30/01/2019

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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CANNIE INVESTMENTS LIMITED→ 13044020 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
CARDIFF MONEY LIMITED→ 12182786 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
CARTER THOMPSON & ASSOCIATES LIMITED→ 09040400 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
CASTLE SAFETY & RISK SERVICES LTD→ 10773479 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
CHARLEAN LIMITED→ 14306493 · est 2022 · no financials extracted	—	—	—	—	3y	—	—

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

Incorporated2019-01-30

Jurisdictionengland-wales

Primary SIC64929 — Other credit granting n.e.c.

Registered office

Carlton House

15 Parsons Court

Co Durham

DL5 6ZE

England

Filing status

Accounts

Next due: 2026-10-31

Last made up to: 2025-01-31

Confirmation statement

Next due: 2027-02-12

Last: 2026-01-29

Officers (2 active · 3 resigned)

PETERSON, Craig Alistair→

director · ~57y · appointed 2019-01-30

View their other companies + combined net worth →

Active

PETERSON, Norman→

director · ~70y · appointed 2019-01-30

View their other companies + combined net worth →

Active

KENNEDY, William Alexander→

director · ~57y · appointed 2019-01-30 · resigned 2021-02-16

Resigned

LENNEY, Simon→

director · ~65y · appointed 2019-01-30 · resigned 2025-12-04

Resigned

LUPTON, Suzanne Jean→

director · ~57y · appointed 2019-01-30 · resigned 2021-02-16

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	City Partnership Trustee City Partnership Trustee Limited	A registered charge	—	21/02/2019	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (22 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-02-03

termination-director-company-with-name-termination-date

officers · TM01

2025-12-23