CARS4YOU LTD
🏛️Establishedactive
SC543547 · ltd · incorporated 2016-08-23
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 2024
Net worth
£1.45M
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: SIC 45112
Sector: Wholesale & retail
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: Cash flow review and working-capital discipline. Cash down -83% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 0.5y
0/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 0.5 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (78/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
30 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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £1,453,629
Cash draining
Cash down 83% YoY
Cash YoY
-83%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£19k
↓ 83% YoY
Net Worth
£1.5m
↑ 21% YoY
Current Assets
£5.7m
↑ 22% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-08-31 | 2023-08-31 |
|---|---|---|
| Total assets | £1.45M | £1.20M |
| Current assets | £5.68M | £4.66M |
| Cash | £18.9k | £110.3k |
| Debtors | £27.4k | £58.4k |
| Net assets | £1.45M | £1.20M |
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
2
filings
- • 2 mortgage
Last 180 days
3
filings
- • 3 mortgage
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2026-02-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-11🔓Charge satisfied #2
- 2026-02-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-02🔒Charge registered #2Lender: Le Capital UK (Asset 1) Limited
- 2025-11-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-06🔒Charge registered #1Lender: Bca Vehicle Finance Limited
- 2025-05-22📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-04-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-05-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-02-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-29📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-29📄change-person-director-company-with-change-dateofficers · CH01
- 2023-09-11📄accounts-amended-with-accounts-type-micro-entityaccounts · AAMD
- 2023-05-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-12-27➕USMAN, Farah appointeddirector
- 2019-12-27➖USMAN, Farah resigneddirector
- 2019-12-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-12-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-08-23🏢Company incorporatedAs CARS4YOU LTD
- 2016-08-23➕USMAN, Muhammad appointeddirector
- 2016-08-23➕USMAN, Farah appointeddirector
Owner dependency
66/100
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Farah Usman Individual · British · DOB 03/1986 · age 40 | 50–75% | — | 50-75% shares | 23/08/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| CAPITAL ALLOYS LTD→ SC703970 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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| CDCOPLAND MOTORS LTD→ SC649606 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| COASTLINE CAR WASH LIMITED→ SC431430 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| CRYSTAL COMFORT SERVICES LTD→ SC838336 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| DAVE REBUILDS LTD→ SC646767 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| DBS MOTORCYCLES LTD→ SC628278 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| DEFEON LIMITED→ SC728868 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| DENTCENTRAL GROUP LTD→ SC661020 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| DENTCENTRAL LIMITED→ SC288856 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
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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
Incorporated2016-08-23
Jurisdictionscotland
Primary SIC45112 — SIC 45112
Registered office
Unit 2 26 Bankhead Drive
Edinburgh
EH11 4DJ
Scotland
Filing status
Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-10-17
Last: 2025-10-03
Officers (2 active · 1 resigned)
USMAN, Farah→
Activedirector · ~40y · appointed 2019-12-27
View their other companies + combined net worth →
USMAN, Muhammad→
Activedirector · ~46y · appointed 2016-08-23
View their other companies + combined net worth →
USMAN, Farah→
Resigneddirector · ~40y · appointed 2016-08-23 · resigned 2019-12-27
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Le Capital UK (Asset 1) Le Capital UK (Asset 1) Limited | A registered charge | — | 02/02/2026 | 11/02/2026 | |
| outstanding | Bca Vehicle Finance Bca Vehicle Finance Limited | A registered charge | — | 06/11/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (30 total)
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-07
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-05-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-04-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-05-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-02-29
change-person-director-company-with-change-date
officers · CH01
2024-02-29
change-person-director-company-with-change-date
officers · CH01
2024-02-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-03
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2023-09-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-10-21