CASTLE PHILLIPS FINANCE COMPANY LIMITED

📉Decliningactive
01011009 · ltd · incorporated 1971-05-13
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.
Opportunity decay
drifting distress · 6-months
Drifting toward distress — expect more negotiability in 3–6 months, but also more friction.
  • · Lifecycle stage drifting downward
  • · Currently "declining"
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
—
book net assets
Opportunity
80/100
Exceptional
🔔
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What this business does
Primary activity: Activities of open-ended investment companies
Sector: Financial & insurance
Investor take
Pursue
Conservative operator with a 88-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (63/100, director aged 88). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (88/100).

🏦

Refinance opportunity

1 live charge · oldest 45.7y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 45.7 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
9 officers (5 active, 9 linked, 7 with DOB)
86
Ownership & PSC
3 active PSC(s) of 4 total, 4 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
116 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Profitable
Profit before tax £13,679

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Oct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-10-312023-10-31
Gross profit£131.1k£217.9k
Profit before tax£13.7k£56.9k
Average employees200200

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
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2025-08-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-07-07
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2024-05-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2024-04-14
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2024-04-12
    ➕
    PHILLIPS, Maria June appointed
    director
  6. 2023-07-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-01-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2023-01-13
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  9. 2023-01-13
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  10. 2022-06-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2021-10-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2021-07-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2021-07-24
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2021-07-24
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  15. 2021-07-24
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  16. 2021-07-22
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2021-07-22
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  18. 2021-07-19
    ➕
    SMITH, Julie Dawn appointed
    secretary
  19. 2021-07-19
    ➕
    PHILLIPS, Anthony Mark appointed
    director
  20. 2021-07-15
    ➖
    PHILLIPS, Ivan Brian resigned
    director
  21. 2021-04-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  22. 2021-04-01
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  23. 2021-04-01
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  24. 2021-03-27
    ➕
    PHILLIPS, Alan John appointed
    director
  25. 2021-03-27
    ➕
    SMITH, Paul appointed
    director
  26. 2016-06-25
    🔓
    Charge satisfied #1
  27. 2014-06-06
    ➖
    PHILLIPS, Patricia resigned
    secretary
  28. 2014-06-06
    ➖
    PHILLIPS, Patricia resigned
    director
  29. 1996-02-27
    ➖
    PHILLIPS, Brian Ivan resigned
    director
  30. 1980-10-31
    🔒
    Charge registered #1
    Lender: Midland Bank Limited
  31. 1971-05-13
    🏢
    Company incorporated
    As CASTLE PHILLIPS FINANCE COMPANY LIMITED

Owner dependency

78/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder name in company name: Company name contains director surname "PHILLIPS" — strong identity link between founder and business.
  • +Founder age: Director aged approximately 88 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

60/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 88 years old. Natural succession window is now.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

3 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Alan John Phillips
Individual · British · DOB 06/1938 · age 88
75–100%
—75-100% shares · trust interest15/07/2021
Dr Alexander Phillips
Individual · British · DOB 09/1981 · age 45
75–100%
—75-100% shares · trust interest15/07/2021
Paul Smith
Individual · English · DOB 02/1963 · age 63
—75–100%75-100% voting · trust interest25/03/2021
1 historic (ceased) PSC
  • Mr Ivan Brian Phillipsceased 15/07/2021· significant influence · trust interest · firm interest

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated1971-05-13
Jurisdictionengland-wales
Primary SIC64304 — Activities of open-ended investment companies

Registered office

Twin Firs 178a Old Woking Rd
Pyrford
Woking
Surrey
GU22 8LE

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2027-03-12
Last: 2026-02-26

Officers (5 active · 4 resigned)

SMITH, Julie Dawn→
secretary · appointed 2021-07-19
View their other companies + combined net worth →
Active
PHILLIPS, Alan John→
director · ~88y · appointed 2021-03-27
View their other companies + combined net worth →
Active
PHILLIPS, Anthony Mark→
director · ~60y · appointed 2021-07-19
View their other companies + combined net worth →
Active
PHILLIPS, Maria June→
director · ~61y · appointed 2024-04-12
View their other companies + combined net worth →
Active
SMITH, Paul→
director · ~63y · appointed 2021-03-27
View their other companies + combined net worth →
Active
PHILLIPS, Patricia→
secretary · resigned 2014-06-06
Resigned
PHILLIPS, Brian Ivan→
director · ~73y · resigned 1996-02-27
Resigned
PHILLIPS, Ivan Brian→
director · ~93y · resigned 2021-07-15
Resigned
PHILLIPS, Patricia→
director · ~92y · resigned 2014-06-06
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Midland Bank
Midland Bank Limited
Charge1 property31/10/198025/06/2016

Recent filings (116 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-27
change-person-director-company-with-change-date
officers · CH01
2025-08-29
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-07-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-05-27
appoint-person-director-company-with-name-date
officers · AP01
2024-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-19
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-13
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-01-13
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-01-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-06-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-25