LAKELAND COMMERCIAL FINANCE LTD
💤Zombieactive
11971872 · ltd · incorporated 2019-04-30
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 Apr 2025
Net worth
—
book net assets
Opportunity
71/100
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 71/100 (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: strategic trade sale (65/100).
Data confidence
Overall: high (81/100)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
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
35 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Average employees | 300 | 300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-01-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-20📄accounts-amended-with-accounts-type-micro-entityaccounts · AAMD
- 2024-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-10-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-10-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-14📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2022-07-11📄resolutionresolution · RESOLUTIONS
- 2022-07-11📄memorandum-articlesincorporation · MA
- 2022-07-11📄memorandum-articlesincorporation · MA
- 2022-07-06📄capital-name-of-class-of-sharescapital · SH08
- 2022-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-19📄resolutionresolution · RESOLUTIONS
- 2021-10-18📄capital-name-of-class-of-sharescapital · SH08
- 2021-10-18📄resolutionresolution · RESOLUTIONS
- 2021-10-18📄memorandum-articlesincorporation · MA
- 2021-10-18📄memorandum-articlesincorporation · MA
- 2021-10-18📄resolutionresolution · RESOLUTIONS
- 2019-04-30🏢Company incorporatedAs LAKELAND COMMERCIAL FINANCE LTD
- 2019-04-30➕DUNNE, Stephen Gerald John appointeddirector
Owner dependency
80/100
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.
- +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- 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 Stephen Gerald John Dunne Individual · Irish · DOB 04/1971 · age 55 | — | — | sig. influencesignificant influence | 30/04/2019 |
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 →Similar companies
Active · Financial services · LA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BOWLAND FINANCE LIMITED→ 12324302 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BRATHAY INVESTMENTS LIMITED→ 13483414 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| FACE TO FACE FINANCIAL SERVICES LTD→ 04663849 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| FINANCIAL MANAGEMENT BUREAU LIMITED→ 02089786 · est 1987 · no financials extracted | — | — | — | — | 39y | — | — |
| HAPSBURG→ 05215690 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| HOME & FINANCE IFA LIMITED→ 02214832 · est 1988 · no financials extracted | — | — | — | — | 38y | — | — |
| IAN FRAZER FINANCIAL PLANNING LIMITED→ 07555736 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| JK (FC) PENSION TRUSTEES LTD→ 05963443 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| KNS FINANCIAL PLANNING LTD→ 07122210 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| L KASSELL LTD→ 11214470 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| LAKE DISTRICT MORTGAGES LIMITED→ 11087818 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| LAKELAND VEHICLE SOLUTIONS LIMITED→ 07433876 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
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
Incorporated2019-04-30
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Lakeland House
114-116 Kirkland
Kendal
Cumbria
LA9 5AP
United Kingdom
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-05-13
Last: 2026-04-29
Officers (1 active · 0 resigned)
DUNNE, Stephen Gerald John→
Activedirector · ~55y · appointed 2019-04-30
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (35 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-06-18
accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-09
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-30
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2025-01-20
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-08
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-31
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-05
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-31
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-10-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-10-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-10-05
capital-variation-of-rights-attached-to-shares
capital · SH10
2022-07-14
resolution
resolution · RESOLUTIONS
2022-07-11
memorandum-articles
incorporation · MA
2022-07-11