4 THOUGHT LIMITED
- · Oldest live charge 28.9y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 73). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
Refinance opportunity
1 live charge · oldest 28.9y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 28.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £5.3k | £118.8k |
| Current assets | £5.3k | £3.9k |
| Net assets | £130.2k | £118.8k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 accounts
- • 1 accounts
- • 1 confirmation-statement
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (30 events)Click to expand
- 2026-03-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-01📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-03-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-07📄gazette-notice-compulsorygazette · GAZ1
- 2022-03-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-01-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-02-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-12-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-03-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-03-26📄gazette-filings-brought-up-to-dategazette · DISS40
- 2016-03-23📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2010-03-31➖HALL, Andrew resigneddirector
- 2007-05-31➕HALL, Andrew appointeddirector
- 2003-10-05➖PAYNE, Nicholas John resigneddirector
- 2001-06-04➕PAYNE, Nicholas John appointeddirector
- 1997-06-11🔒Charge registered #1Lender: National Westminster Bank PLC
- 1995-02-08🏢Company incorporatedAs 4 THOUGHT LIMITED
- 1995-02-08➕READ, Susan appointedsecretary
- 1995-02-08➕COX, David appointeddirector
- 1995-02-08➕READ, Susan appointeddirector
- 1995-02-08➕COMBINED SECRETARIAL SERVICES LIMITED appointedcorporate-nominee-secretary
- 1995-02-08➖COMBINED SECRETARIAL SERVICES LIMITED resignedcorporate-nominee-secretary
- 1995-02-08➕COMBINED NOMINEES LIMITED appointedcorporate-nominee-director
- 1995-02-08➖COMBINED NOMINEES LIMITED resignedcorporate-nominee-director
- 1995-02-08➕COMBINED SECRETARIAL SERVICES LIMITED appointedcorporate-nominee-director
- 1995-02-08➖COMBINED SECRETARIAL SERVICES LIMITED resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 73 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 31 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 31 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David Cox Individual · British · DOB 07/1953 · age 73 | — | — | sig. influencesignificant influence | 06/04/2016 |
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.
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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 →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 · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 11/06/1997 | — |