LENDINGCROWD FINANCE LIMITED
💤Zombieactive
SC623674 · ltd · incorporated 2019-03-08
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 Dec 2024
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (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).
🏦
Refinance opportunity
4 live charges · 2 lenders · oldest 7.1y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 7.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (76/100)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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
3 officers (1 active, 3 linked, 1 with DOB)
77
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
42 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 0 | 0 |
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 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2025-12-22📄accounts-with-accounts-type-smallaccounts · AA
- 2024-09-30📄accounts-with-accounts-type-smallaccounts · AA
- 2024-04-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-04-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-01-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-01-29📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-01-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-01-26➖NIBC MANAGEMENT B.V. resignedcorporate-director
- 2024-01-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-24🔓Charge satisfied #3
- 2024-01-24🔓Charge satisfied #2
- 2023-09-29📄accounts-with-accounts-type-smallaccounts · AA
- 2022-09-29📄accounts-with-accounts-type-smallaccounts · AA
- 2021-09-29📄accounts-with-accounts-type-smallaccounts · AA
- 2020-12-19📄accounts-with-accounts-type-smallaccounts · AA
- 2020-10-14📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2020-10-14📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2020-10-13📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2020-10-13📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2019-12-20📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2019-05-10➕NIBC MANAGEMENT B.V. appointedcorporate-director
- 2019-05-10🔒Charge registered #4Lender: Scottish Enterprise
- 2019-05-10🔒Charge registered #3Lender: Nibc Bank N.V. (As Security Agent)
- 2019-05-10🔒Charge registered #2Lender: Nibc Bank N.V. (As Security Agent)
- 2019-03-29🔒Charge registered #1Lender: Scottish Enterprise
- 2019-03-28➖NIBC MANAGMENT B.V. resignedcorporate-director
- 2019-03-08🏢Company incorporatedAs LENDINGCROWD FINANCE LIMITED
- 2019-03-08➕LUNN, Stuart Burgoyne appointeddirector
- 2019-03-08➕NIBC MANAGMENT B.V. appointedcorporate-director
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.)
Group structure
Eal Wholesale Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Eal Wholesale Limited
Corporate parent · holds 75-100% shares
⬇
LENDINGCROWD FINANCE LIMITED
This company · SC623674
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 |
|---|---|---|---|---|
Eal Wholesale Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 08/03/2019 |
2 historic (ceased) PSCs
- Finpart B.V.ceased 26/01/2024· 25-50% shares · 25-50% voting
- Finpart B.V.ceased 28/03/2019· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| PAYEASYPRO LIMITED→ SC669365 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| PEGASUS MORTGAGE LTD→ SC643111 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| PLACES FOR PEOPLE SCOTLAND (GP) LIMITED→ SC451491 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| PLAN IT AND PROSPER LTD→ SC866683 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| PROPERTY LAW CENTRE LIMITED→ SC348791 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| PROSPER SOCIAL FINANCE CIC→ SC588686 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| PRYDIS WEALTH (SCOTLAND) LIMITED→ SC668715 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| QF HOLDINGS LIMITED→ SC500001 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| RAUDS MORTGAGE SOLUTIONS LTD→ SC753447 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| RBK GROUP LTD→ SC726876 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| RBK WEALTH MANAGEMENT LTD→ SC194146 · est 1999 · no financials extracted | — | — | — | — | 27y | — | — |
| RBS COLLECTIVE INVESTMENT FUNDS LIMITED→ SC046694 · est 1969 · no financials extracted | — | — | — | — | 56y | — | — |
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
Incorporated2019-03-08
Jurisdictionscotland
Primary SIC64929 — Other credit granting n.e.c.
Registered office
50 Lothian Road
Festival Square
Edinburgh
EH3 9WJ
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-21
Last: 2026-03-07
Officers (1 active · 2 resigned)
LUNN, Stuart Burgoyne→
Activedirector · ~52y · appointed 2019-03-08
View their other companies + combined net worth →
NIBC MANAGEMENT B.V.→
Resignedcorporate-director · appointed 2019-05-10 · resigned 2024-01-26
NIBC MANAGMENT B.V.→
Resignedcorporate-director · appointed 2019-03-08 · resigned 2019-03-28
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
2
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Scottish Enterprise | A registered charge | — | 10/05/2019 | — | |
| satisfied | Nibc Bank N.V. (As Security Agent) | A registered charge | 1 property | 10/05/2019 | 24/01/2024 | |
| satisfied | Nibc Bank N.V. (As Security Agent) | A registered charge | 1 property | 10/05/2019 | 24/01/2024 | |
| outstanding | Scottish Enterprise | A registered charge | — | 29/03/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (42 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-16
accounts-with-accounts-type-small
accounts · AA
2025-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-01
accounts-with-accounts-type-small
accounts · AA
2024-09-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-24
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-01-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-29
termination-director-company-with-name-termination-date
officers · TM01
2024-01-29
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-24
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-24
accounts-with-accounts-type-small
accounts · AA
2023-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-07
accounts-with-accounts-type-small
accounts · AA
2022-09-29