CARD ANALYTIQ LTD
🌿Early-stageactive
SC736207 · ltd · incorporated 2022-06-22
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
£211.8k
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Data processing, hosting and related activities
Sector: Information & communication
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and acceptable with review structure.
Opportunity 76/100 (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: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (70/100)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
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
19 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £211,793
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
£212k
Current Assets
£251k
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-02-28 |
|---|---|
| Total assets | £211.8k |
| Current assets | £251.3k |
| Net assets | £211.8k |
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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
3
filings
- • 2 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-11-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-11-19📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2025-09-02📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-03-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-08-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-08-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-08-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-08-24📄change-person-director-company-with-change-dateofficers · CH01
- 2022-08-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-08-24📄change-person-director-company-with-change-dateofficers · CH01
- 2022-08-24📄change-person-director-company-with-change-dateofficers · CH01
- 2022-08-24📄change-person-director-company-with-change-dateofficers · CH01
- 2022-06-22🏢Company incorporatedAs CARD ANALYTIQ LTD
- 2022-06-22➕BUNKER, Stephen Derek appointeddirector
- 2022-06-22➕JOHNSON, Kerry Joan appointeddirector
- 2022-06-22📄incorporation-companyincorporation · NEWINC
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.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- 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 Stephen Derek Bunker Individual · British · DOB 12/1962 · age 64 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 22/06/2022 |
Ms Kerry Joan Johnson Individual · British · DOB 06/1964 · age 62 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 22/06/2022 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| AIGLE OPS LTD→ SC804054 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ANN ARBOR PUBLISHERS LIMITED→ 02773739 · est 1992 · no financials extracted | — | — | — | — | 33y | — | — |
| ASSURED FINANCE TODAY LTD→ 08649659 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| BERWICK VISITOR CENTRE LIMITED→ 10413368 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BONINGTON GREEN LTD→ SC599980 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BOSCO AI LTD→ SC822121 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BUSINESS SALE BASECAMP LTD→ SC226263 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| CARBONBRAIN LTD→ 16692646 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CASEY DIVINE CONSULTING LIMITED→ SC496283 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2022-06-22
Jurisdictionscotland
Primary SIC63110 — Data processing, hosting and related activities
Registered office
Oaklands
Cliftonhill
Kelso
Roxburghshire
TD5 7QE
Scotland
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-04-16
Last: 2026-04-02
Officers (2 active · 0 resigned)
BUNKER, Stephen Derek→
Activedirector · ~64y · appointed 2022-06-22
View their other companies + combined net worth →
JOHNSON, Kerry Joan→
Activedirector · ~62y · appointed 2022-06-22
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (19 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-20
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-25
change-account-reference-date-company-previous-extended
accounts · AA01
2025-11-19
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-09-02
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-02
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-27
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-08-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-08-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-08-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-08-24
change-person-director-company-with-change-date
officers · CH01
2022-08-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-08-24