CREATION CONSUMER FINANCE LIMITED

🌳Matureactive

NI032565 · ltd · incorporated 1997-06-19

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 24.1y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 77/100. Strong seller-intent signal (73/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 24.1y

50/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 24.1 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (61/100)

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

No iXBRL financials extracted

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

35 officers (7 active, 35 linked, 31 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

12 connected companies via shared directors

Filing history

165 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filing

• 1 officers

Last 90 days

filings

• 2 officers

Last 180 days

filings

• 2 officers
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (88 events)Click to expand

2026-05-19
📄
change-person-director-company-with-change-date
officers · CH01
2026-04-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-04-01
➕
VERCRUYSSE, Gaetan Benoit appointed
director
2026-01-28
📄
accounts-with-accounts-type-full
accounts · AA
2025-05-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-04-25
➖
VERVENNE, Bart resigned
director
2024-12-31
📄
accounts-with-accounts-type-full
accounts · AA
2023-10-31
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-10-25
➕
RAYNAUD, Anais appointed
director
2023-07-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-07-07
📄
accounts-with-accounts-type-full
accounts · AA
2023-06-30
➕
REDFERNE, Michael Stefan appointed
director
2023-06-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-06-28
➕
VERVENNE, Bart appointed
director
2023-06-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-05-31
➖
CHARLES, Jean Pierre resigned
director
2022-10-05
📄
accounts-with-accounts-type-full
accounts · AA
2022-07-26
📄
change-person-director-company-with-change-date
officers · CH01
2022-05-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-05-05
➕
CHARLES, Jean Pierre appointed
director
2022-02-28
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-02-18
➖
DE KORVER, Marc resigned
director
2022-01-24
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-01-11
➖
FAVRE, Martin Francois Lazare resigned
director
2021-10-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-10-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-10-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-10-01
➕
MOORTHY, Lakshmi Krishna appointed
director
2021-10-01
➕
PARAUD, Ethel appointed
director
2021-10-01
➖
GRIFFIN, Marielle Laure resigned
director
2021-09-16
📄
accounts-with-accounts-type-full
accounts · AA
2021-03-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-03-01
➖
CABACA, Antonio Miguel resigned
director
2020-08-31
➖
SNYMAN, Johannes Jacobus resigned
director
2020-02-20
➖
VERSTRAETEN, Anne Marie Odile Albertine resigned
director
2019-06-17
➕
FAVRE, Martin Francois Lazare appointed
director
2019-03-14
➕
DE KORVER, Marc appointed
director
2018-12-19
➕
CABACA, Antonio Miguel appointed
director
2018-12-19
➖
UPPAL, Jetinder Singh resigned
director
2018-12-19
➖
ZEITOUN, Gilles resigned
director
2018-06-26
➖
CAVELIER, Benoit Patrice Stephane, Monsieur resigned
director
2018-06-01
➕
VERSTRAETEN, Anne Marie Odile Albertine appointed
director
2017-12-19
➖
ANTIGLIO, Xavier resigned
director
2017-12-19
➖
DILLY, Benoit Claude, Monsieur resigned
director
2017-12-19
➕
GRIFFIN, Marielle Laure appointed
director
2017-12-19
➕
ZEITOUN, Gilles appointed
director
2017-03-31
➕
SNYMAN, Johannes Jacobus appointed
director
2016-05-12
➖
DEAKIN, Tony resigned
director
2016-04-01
➕
CARSON, David Maurice appointed
secretary
2016-04-01
➕
ANTIGLIO, Xavier appointed
director

Showing most recent 50 of 88 events

Owner dependency

65/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

63/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
secondary12+ year tenure: Director in role 19 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Creation Financial Services Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Creation Financial Services Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

CREATION CONSUMER FINANCE LIMITED

This company · NI032565

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Creation Financial Services Limited Corporate entity	75–100%	—	75-100% shares	06/04/2016

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 · BT postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
SEOPA LTD→ NI046322 · est 2003	£34.63M £25.18M–£44.07M	£32.38M	—	7500	23y	90	51y
WILLIS & COMPANY (INSURANCE BROKERS) LIMITED→ NI032004 · est 1997	£21.84M £15.89M–£27.80M	—	—	9800	29y	87	81y
LODGE FINANCIAL ADVICE LIMITED→ NI045612 · est 2003	£716.5k £521.1k–£911.9k	—	—	8	23y	83	61y
ACKER DEVELOPMENTS LIMITED→ NI028267 · est 1994 · no financials extracted	—	—	—	—	32y	83	60y
CRN FINANCIAL SERVICES LIMITED→ NI018912 · est 1985	—	—	£178.8k	—	40y	83	64y
DRUMBEARN LIMITED→ NI054292 · est 2005 · no financials extracted	—	—	—	—	21y	83	60y
GDP PARTNERSHIP LIMITED→ NI605327 · est 2010	—	—	£8.9k	—	15y	83	62y
INSURE I LIMITED→ NI072940 · est 2009	—	—	£1.62M	—	16y	83	66y
M & D FINANCIAL MANAGEMENT LIMITED→ NI049794 · est 2004	—	—	—	600	22y	83	60y
MCGRADY FINANCIAL SERVICES LIMITED→ NI032133 · est 1997	—	—	£215.7k	—	29y	83	60y
MORTGAGE IQ LIMITED→ NI056126 · est 2005	—	—	£18.4k	—	20y	83	58y
SAVAGE & PATTON (FINANCIAL SERVICES) LIMITED→ NI011459 · est 1976	—	—	£397.5k	—	49y	83	64y

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.

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Company details

Statusactive

Typeltd

Incorporated1997-06-19

Jurisdictionnorthern-ireland

Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

Wellington Buildings 6th Floor, Wellington Buildings

2 - 4 Wellington Street

Belfast

BT1 6HT

Northern Ireland

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-07-03

Last: 2025-06-19