BRIGHTER LENDING LIMITED
💤Zombieactive
12038032 · ltd · incorporated 2019-06-07
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 Oct 2025
Net worth
£2.21M
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 72/100 (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 (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 4 total, 4 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
39 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
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 £2,212,067
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£2.2m
↑ 4.6% YoY
Current Assets
£1.3m
↓ 33% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-10-31 | 2024-10-31 |
|---|---|---|
| Total assets | £843.2k | £1.44M |
| Current assets | £1.25M | £1.88M |
| Net assets | £2.21M | £2.12M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Last 90 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2026-07-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-08-31➖MCCONLOUGH, Emma resigneddirector
- 2025-08-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-31📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-07-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-06-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-24📄capital-allotment-sharescapital · SH01
- 2022-08-16📄capital-allotment-sharescapital · SH01
- 2022-08-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-08-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-08-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-07-31➖WOODWORTH, Paul resigneddirector
- 2022-07-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-05-07➕HUGHES, John William appointeddirector
- 2019-09-01➕WOODWORTH, Paul appointeddirector
- 2019-06-07🏢Company incorporatedAs BRIGHTER LENDING LIMITED
- 2019-06-07➕MCCONLOUGH, Emma appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
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 John William Hughes Individual · British · DOB 05/1981 · age 45 | 50–75% | — | 50-75% shares | 07/05/2020 |
3 historic (ceased) PSCs
- Miss Emma Mcconloughceased 31/08/2025· significant influence
- Mr Paul Woodworthceased 31/07/2022· significant influence · firm interest
- Refresh Finance Group Limitedceased 07/05/2020· 75-100% shares · 75-100% voting · board control
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 · L postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ASSURED COVER LTD→ 11162610 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BIBBY FACTORS LEICESTER LIMITED→ 02989348 · est 1994 · no financials extracted | — | — | — | — | 31y | — | — |
| BRADLEY J.LEWIS FINANCIAL SOLUTIONS LIMITED→ 05274720 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| BROOKS BECKMAN LIMITED→ 12918986 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| C JAMES BRIGGS LIMITED→ 08479945 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| C2 MORTGAGES LTD→ 14423354 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CALDERSTONES PROPERTY COMPANY LIMITED→ 00502544 · est 1951 · no financials extracted | — | — | — | — | 74y | — | — |
| CAM WEALTH GROUP HOLDINGS LIMITED→ 13794323 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CAMPBELL INSURANCE SERVICES LIMITED→ 02045904 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| CANIXO FINANCIAL LIMITED→ 15685642 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CAPITAL MARKETING LIMITED→ 11530215 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CARDINAL BUSINESS FINANCE LIMITED→ 07363334 · 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
Incorporated2019-06-07
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
C/O Ashurst Accountancy 17 Duke Street
Formby
Liverpool
L37 4AN
England
Filing status
Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2027-07-01
Last: 2026-06-17
Officers (1 active · 2 resigned)
HUGHES, John William→
Activedirector · ~45y · appointed 2020-05-07
View their other companies + combined net worth →
MCCONLOUGH, Emma→
Resigneddirector · ~41y · appointed 2019-06-07 · resigned 2025-08-31
WOODWORTH, Paul→
Resigneddirector · ~64y · appointed 2019-09-01 · resigned 2022-07-31
Click a director name to see their full track record across all companies.
Recent filings (39 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-07-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-08
termination-director-company-with-name-termination-date
officers · TM01
2025-08-31
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-08-31
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-26
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-17
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-07
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-29
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-13
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-23
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-14
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-09
capital-allotment-shares
capital · SH01
2022-10-24