CO-LEND HOLDINGS LTD
💤Zombieactive
12135370 · ltd · incorporated 2019-08-02
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 Sept 2025
Net worth
£-59.4k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Activities of real estate investment trusts
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 74/100 (strong), bankability 80/100. 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).
🏦
Refinance opportunity
1 live charge · oldest 6.7y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
25 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
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
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £59,365
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£59k
↓ 16% YoY
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £-44.0k | £-25.8k |
| Debtors | £1 | £1 |
| Net assets | £-59.4k | £-51.3k |
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
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2026-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-15📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2022-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-09-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-09-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-08-04📄gazette-filings-brought-up-to-dategazette · DISS40
- 2021-08-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-07-16📄dissolved-compulsory-strike-off-suspendeddissolution · DISS16(SOAS)
- 2021-07-06📄gazette-notice-compulsorygazette · GAZ1
- 2021-03-30➖DABNER, Mervyn resigneddirector
- 2020-07-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-11-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-11-20🔒Charge registered #1Lender: Co-Lend LTD
- 2019-09-11📄change-person-director-company-with-change-dateofficers · CH01
- 2019-08-02🏢Company incorporatedAs CO-LEND HOLDINGS LTD
- 2019-08-02➕VANDERSTAY, Dominic appointeddirector
- 2019-08-02➕DABNER, Mervyn appointeddirector
- 2019-08-02📄incorporation-companyincorporation · NEWINC
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 Dominic Vanderstay Individual · Irish · DOB 04/1974 · age 52 | — | — | sig. influencesignificant influence · firm interest | 22/09/2021 |
1 historic (ceased) PSC
- Mr Mervyn Dabnerceased 22/09/2021· significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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Active · Financial services · TN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AXE ASSET MANAGEMENT LTD→ 13947001 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| BRINDLEY RISK CONSULTANCY LIMITED→ 07888597 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CHARIOT SCHEMES LIMITED→ 08167208 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| CHARLTON-MATTHEWS TRADING LTD→ 13141218 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CHIRONCAP LIMITED→ 13483505 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CJA FINANCIAL SERVICES LIMITED→ 05764205 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| CLEARLY INDEPENDENT FINANCIAL PLANNING LTD→ 09243604 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| CLEARLY PLANNING & PROJECT MANAGEMENT LTD→ 13294450 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| COAST CREDIT LIMITED→ 15311075 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| COAST INSURANCE LIMITED→ 07324886 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| COMMERCIAL FINANCING SOLUTIONS LIMITED→ 07681325 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| COMMERCIAL VEHICLE CONTRACTS LIMITED→ 08293298 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
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
Incorporated2019-08-02
Jurisdictionengland-wales
Primary SIC64306 — Activities of real estate investment trusts
Registered office
50 Waterway House Medway Wharf Road
Tonbridge
TN9 1AY
England
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-11-09
Last: 2025-10-26
Officers (1 active · 1 resigned)
VANDERSTAY, Dominic→
Activedirector · ~52y · appointed 2019-08-02
View their other companies + combined net worth →
DABNER, Mervyn→
Resigneddirector · ~81y · appointed 2019-08-02 · resigned 2021-03-30
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Co-Lend Co-Lend LTD | A registered charge | 1 property | 20/11/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (25 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-26
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-26
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-28
change-account-reference-date-company-previous-extended
accounts · AA01
2022-11-15
confirmation-statement-with-updates
confirmation-statement · CS01
2022-08-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-30
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-09-22
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-09-22
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-09-22