4SYTE RECEIVABLES FINANCE LTD
- 64992SIC 64992
Opportunity 74/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Refinance opportunity
4 live charges · oldest 1.0y
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.0 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2025-12-31 |
|---|---|
| Average employees | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (27 events)Click to expand
- 2026-03-31📄accounts-with-accounts-type-smallaccounts · AA
- 2025-10-27📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-10-01📄legacyaccounts · PARENT_ACC
- 2025-10-01📄legacyother · GUARANTEE2
- 2025-10-01📄legacyother · AGREEMENT2
- 2025-06-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-05🔒Charge registered #4Lender: The Real Economy Securitisation and Repack Company Dac.
- 2025-06-05🔒Charge registered #3Lender: The Real Economy Securitisation and Repack Company Dac.
- 2025-06-05🔒Charge registered #2Lender: The Real Economy Securitisation and Repack Company Dac.
- 2025-05-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-19🔒Charge registered #1Lender: The Real Economy Securitisation and Repack Company Dac.
- 2025-03-11➖FENTON, Paul resigneddirector
- 2025-03-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-12-05✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-03-29📄accounts-with-accounts-type-smallaccounts · AA
- 2023-10-11📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-04-20📄accounts-with-accounts-type-smallaccounts · AA
- 2022-06-20📄accounts-with-accounts-type-smallaccounts · AA
- 2020-08-13📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2020-07-03🏢Company incorporatedAs 4SYTE RECEIVABLES FINANCE LTD
- 2020-07-03➕BARKER, Paul Michael appointeddirector
- 2020-07-03➕GUNDERSEN, Magnus Ingolf appointeddirector
- 2020-07-03➕SELLARS, Nicholas Anthony appointeddirector
- 2020-07-03➕FENTON, Paul appointeddirector
- 2020-07-03📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
Red flags
2 med ·Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-06-05: A registered charge; 2025-06-05: A registered charge; 2025-06-05: A registered charge
Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2024-12-05: certificate-change-of-name-company
Group structure
4syte Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
4syte Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 03/07/2020 |
Mr Magnus Ingolf Gundersen Individual · Norwegian · DOB 05/1972 · age 54 | — | — | sig. influencesignificant influence | 03/07/2020 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| 11S CAPITAL LIMITED→ 14274514 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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| 44 BENEFIT SOLUTIONS LIMITED→ 08272027 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| 4SYTE FINANCE LIMITED→ 12701421 · 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 | — | — |
| 4SYTE TRADE LTD→ 11537104 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 57 NORTH FINANCIAL PLANNING LTD→ 14383254 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 7 STEPZ LTD→ 13860858 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 786 MORTGAGES LTD→ 13453296 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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 →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
Registered office
Filing status
Officers (3 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Real Economy Securitisation and Repack Company Dac. | A registered charge | — | 05/06/2025 | — | |
| outstanding | The Real Economy Securitisation and Repack Company Dac. | A registered charge | — | 05/06/2025 | — | |
| outstanding | The Real Economy Securitisation and Repack Company Dac. | A registered charge | — | 05/06/2025 | — | |
| outstanding | The Real Economy Securitisation and Repack Company Dac. | A registered charge | — | 19/05/2025 | — |