EXPERT LENDING LIMITED
🌱Startupactive
15917087 · ltd · incorporated 2024-08-27
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
£468.2k
book net assets
Opportunity
72/100
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 acceptable with review structure.
Opportunity 72/100 (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 (65/100).
🏦
Refinance opportunity
1 live charge · oldest 0.5y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.5 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (75/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
20 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
60
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 declaredPositive net assets
Net assets £468,245
Key financials
1 year extracted from filed iXBRL accountsCash
£60k
Net Worth
£468k
Current Assets
£5.0m
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-08-31 |
|---|---|
| Total assets | £472.0k |
| Current assets | £4.97M |
| Cash | £59.7k |
| Debtors | £4.91M |
| Net assets | £468.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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
4
filings
- • 2 persons-with-significant-control
- • 2 officers
Last 180 days
6
filings
- • 2 persons-with-significant-control
- • 2 officers
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-05-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-05-05📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-05-05📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-23➕AZRAK, Alexandra appointeddirector
- 2026-01-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-01-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-22➖AZRAK, Alexandra resigneddirector
- 2026-01-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-13🔒Charge registered #1Lender: Renaissance Asset Finance Limited
- 2025-12-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-12-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-12-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-12-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-12-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-30📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2025-01-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-01-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-01-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-08-27🏢Company incorporatedAs EXPERT LENDING LIMITED
- 2024-08-27➕BURKITT, Bruce Howard appointeddirector
- 2024-08-27➕AZRAK, Alexandra appointeddirector
- 2024-08-27📄incorporation-companyincorporation · NEWINC
Owner dependency
63/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Young company: Only 1.9 years old — management layer unlikely to be developed.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Bruce Howard Burkitt Individual · British · DOB 05/1971 · age 55 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 28/08/2024 |
Ms Alexandra Azrak Individual · British · DOB 06/1987 · age 39 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 28/08/2024 |
1 historic (ceased) PSC
- Property Experts (Nationwide) Limitedceased 28/08/2024· 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 · WD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| DELCAP ASSET MANAGEMENT LIMITED→ 03280320 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| DELTA Q TRADING LTD→ 10819538 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| EDUPAY LTD→ 15180977 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| EQUISURE UK LIMITED→ 16516081 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| F&I ONLINE LTD→ 09664343 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| FADDERS GLOBAL LTD→ 11286689 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| FAIR FINANCE LIMITED→ 03112887 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| FAIR PRIVATE CAPITAL PARTNERS LIMITED→ 12886453 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FAIRWAY FAMILY INVESTMENT COMPANY LIMITED→ 11962500 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| FALCON25 LIMITED→ 16560837 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FI PROTECT LTD→ 09444383 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| FIFE CON LIMITED→ 10177484 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2024-08-27
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Langley House
53 Theobald Street
Borehamwood
WD6 4RT
England
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2027-02-03
Last: 2026-01-20
Officers (2 active · 1 resigned)
AZRAK, Alexandra→
Activedirector · ~39y · appointed 2026-01-23
View their other companies + combined net worth →
BURKITT, Bruce Howard→
Activedirector · ~55y · appointed 2024-08-27
View their other companies + combined net worth →
AZRAK, Alexandra→
Resigneddirector · ~39y · appointed 2024-08-27 · resigned 2026-01-22
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 | Renaissance Asset Finance Renaissance Asset Finance Limited | A registered charge | 1 property | 13/01/2026 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (20 total)
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-05
change-person-director-company-with-change-date
officers · CH01
2026-05-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-05
change-person-director-company-with-change-date
officers · CH01
2026-05-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-27
appoint-person-director-company-with-name-date
officers · AP01
2026-01-23
termination-director-company-with-name-termination-date
officers · TM01
2026-01-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-04
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-12-03
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2025-07-30