NORTH & WESTERN LANCASHIRE CHAMBER OF COMMERCE

🌳Matureactive

00145454 · private-limited-guarant-nsc · incorporated 1916-12-04

Investment thesis

Looks cheap but ownership + security both unclear — probable value trap.

Why interesting: Headline metrics may be attractive.

Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

—

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Activities of other membership organisations n.e.c.

Sector: Other service activities

Investor take

Pursue

Active trading company with a 81-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 72/100. Strong seller-intent signal (65/100, director aged 81). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 55.1y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 55.1 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 38/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (74/100)

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

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

77 officers (14 active, 77 linked, 71 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

8 connected companies via shared directors

Filing history

238 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

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.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

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	16	1500

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

filings

Last 90 days

filings

Last 180 days

filings

• 3 officers

Counts from Companies House filing history.

Corporate timeline (140 events)Click to expand

2026-01-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-01-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-01-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-01-20
➕
ARMSTRONG, David Alan appointed
director
2026-01-20
➕
SMITH, Thomas Anthony appointed
director
2026-01-20
➕
SPEAKMAN, Mary Louise appointed
director
2025-12-08
📄
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2025-12-01
➖
FOX, Paul Robert resigned
director
2025-12-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-01
📄
change-person-director-company-with-change-date
officers · CH01
2025-09-26
📄
accounts-with-accounts-type-small
accounts · AA
2024-12-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-12-01
➖
SMITH, Anthony John Rea resigned
director
2024-11-27
📄
change-person-director-company-with-change-date
officers · CH01
2024-11-27
📄
change-person-director-company-with-change-date
officers · CH01
2024-09-27
📄
accounts-with-accounts-type-small
accounts · AA
2024-03-04
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-03-04
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-11-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-11-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-11-24
➕
FOX, Paul Robert appointed
director
2023-11-24
➕
SMITH, Anthony John Rea appointed
director
2023-09-25
📄
accounts-with-accounts-type-small
accounts · AA
2023-08-31
➖
CHALCRAFT, Stephen Michael resigned
director
2023-08-31
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-09-29
📄
accounts-with-accounts-type-small
accounts · AA
2022-08-22
➖
FRESHNEY, Timothy resigned
director
2022-08-22
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-09-29
📄
accounts-with-accounts-type-small
accounts · AA
2021-05-11
➖
SIDGREAVES, Matthew Richard resigned
director
2020-11-27
➕
FRESHNEY, Timothy appointed
director
2019-11-22
➕
EVANS, Peter David appointed
director
2019-11-22
➖
RAYNOR, Antony Simon resigned
director
2019-11-22
➕
SIDGREAVES, Matthew Richard appointed
director
2018-05-16
🔓
Charge satisfied #3
2018-05-16
🔓
Charge satisfied #2
2018-05-16
🔓
Charge satisfied #1
2017-07-25
➕
WELSH, Alan appointed
secretary
2017-07-25
➕
COLE, Jane appointed
director
2017-07-25
➖
SCARBOROUGH, Antony resigned
secretary
2017-03-30
➖
DORAN, Anna resigned
director
2017-03-30
➖
LLOYD, Lesley resigned
director
2016-12-08
➕
MURPHY, Carole Barbara appointed
director
2016-12-08
➕
SMITH HART, Denys appointed
director
2016-12-08
➖
MURPHY, Carole Barbara resigned
director
2016-12-08
➖
SMITH HART, Denys resigned
director
2016-11-24
➕
CHALCRAFT, Stephen Michael appointed
director
2015-11-01
➕
DORAN, Anna appointed
director
2015-11-01
➖
IDDON, Gary Allen resigned
director
2014-09-23
➕
LLOYD, Lesley appointed
director

Showing most recent 50 of 140 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

-13 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 81 — succession pressure is live.

Succession & seller-readiness

80/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
primary20+ year tenure: Director in role 31 years. Very long tenure is a classic succession signal.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

🔒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

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ASPECTS OF EXPRESSION LTD→ 12077887 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
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ATHERTON AND COOKSON LIMITED→ 13719567 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
AUDIT DIRECT LTD→ 08580801 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
AURORA RESOURCES LIMITED→ 06335511 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
AWARENESS THERAPY LIMITED→ 15837917 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
AYP FINANCIAL PLANNING LIMITED→ 05505586 · est 2005 · no financials extracted	—	—	—	—	20y	—	—
BABMAES NOMINEES LIMITED→ 05608383 · est 2005 · no financials extracted	—	—	—	—	20y	—	—
BAKO NORTH WESTERN LIMITED→ 11321301 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
BAKO NORTHERN (HOLDINGS) LIMITED→ 03515956 · est 1998 · no financials extracted	—	—	—	—	28y	—	—

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

Typeprivate-limited-guarant-nsc

Incorporated1916-12-04

Jurisdictionengland-wales

Primary SIC94990 — Activities of other membership organisations n.e.c.

Registered office

9-11 Eastway Business Village

Olivers Place, Fulwood

Preston

Lancashire

PR2 9WT

England

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-12-13

Last: 2025-11-29