CAMBRIDGE INVESTMENTS LIMITED
🌳Matureactive
01370458 · ltd · incorporated 1978-05-25
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
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 72/100 (strong), bankability 77/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
26 live charges · 5 lenders · oldest 18.2y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 18.2 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: medium (59/100)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
No iXBRL financials extracted
0
Lenders & charges
26 charges (26/26 with lender, 26/26 with type)
90
Directors & officers
16 officers (2 active, 16 linked, 11 with DOB)
84
Ownership & PSC
0 active PSC(s) of 4 total, 4 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
220 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (100 events)Click to expand
- 2025-11-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-11-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-11-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-11-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-11-24🔓Charge satisfied #26
- 2025-11-24🔓Charge satisfied #25
- 2025-11-24🔓Charge satisfied #14
- 2025-11-24🔓Charge satisfied #1
- 2025-11-20📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2025-11-20📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2025-11-20📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2025-11-20📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2025-09-08📄accounts-with-accounts-type-fullaccounts · AA
- 2024-09-25📄accounts-with-accounts-type-fullaccounts · AA
- 2024-07-26📄notification-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC08
- 2024-07-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-07-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-07-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-07-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-07-15📄accounts-with-accounts-type-fullaccounts · AA
- 2023-02-20📄accounts-amended-with-accounts-type-fullaccounts · AAMD
- 2022-06-28📄accounts-with-accounts-type-fullaccounts · AA
- 2021-09-01📄accounts-with-accounts-type-fullaccounts · AA
- 2021-07-12📄change-person-director-company-with-change-dateofficers · CH01
- 2020-11-16➕BRUCE, James appointeddirector
- 2020-06-19➖HESKETH, David John Philip resignedsecretary
- 2020-06-19➖HESKETH, David John Philip resigneddirector
- 2018-02-05➖GOUGH GOODMAN, Christopher Graham resigneddirector
- 2017-12-04➖MENTEL, Lothar resigneddirector
- 2016-07-12🔓Charge satisfied #20
- 2016-07-12🔓Charge satisfied #19
- 2016-07-12🔓Charge satisfied #18
- 2016-07-12🔓Charge satisfied #17
- 2016-07-11🔓Charge satisfied #23
- 2016-07-11🔓Charge satisfied #22
- 2016-07-11🔓Charge satisfied #21
- 2016-07-11🔓Charge satisfied #16
- 2016-07-11🔓Charge satisfied #15
- 2016-07-11🔓Charge satisfied #13
- 2016-07-11🔓Charge satisfied #12
- 2016-07-11🔓Charge satisfied #11
- 2016-07-11🔓Charge satisfied #10
- 2016-07-11🔓Charge satisfied #9
- 2016-07-11🔓Charge satisfied #8
- 2016-07-11🔓Charge satisfied #7
- 2016-07-11🔓Charge satisfied #6
- 2016-07-11🔓Charge satisfied #5
- 2016-07-11🔓Charge satisfied #4
- 2016-07-11🔓Charge satisfied #3
- 2016-07-11🔓Charge satisfied #2
Showing most recent 50 of 100 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 12 years.
- secondaryStable-but-static management: Company is 48 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
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple 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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|---|---|---|---|---|---|---|---|
| CHANCERY LAW (SOUTHPORT) LIMITED→ 08704866 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
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| CLEARVIEW WEALTH PLANNING LIMITED→ 16958112 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CLIFTON NASH LIMITED→ 06995945 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| COUNTRYWIDE EQUITY RELEASE LIMITED→ 12827585 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CROSTON FINANCIAL SERVICES LIMITED→ 15348162 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CROWN WEALTH MANAGEMENT LIMITED→ 05957611 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| CROWNE FINANCIAL SOLUTIONS LTD→ 14234027 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CWD INVESTMENTS LTD→ 14569796 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| DAVID ROBERTS & PARTNERS (YORK) LTD→ 11894029 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| DAVID TOLSON PARTNERSHIP EOT LIMITED→ 16709890 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DAXIA LIMITED→ 13504969 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated1978-05-25
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Lancaster House Ackhurst Business Park
Foxhole Road
Chorley
PR7 1NY
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-12
Last: 2026-02-26
Officers (2 active · 14 resigned)
BRUCE, James→
Activedirector · ~56y · appointed 2020-11-16
View their other companies + combined net worth →
HEPWORTH, Julie Suzanne→
Activedirector · ~52y · appointed 2013-12-23
View their other companies + combined net worth →
CRADDOCK, Peter→
Resignedsecretary · appointed 2012-02-21 · resigned 2013-12-23
GOUGH GOODMAN, Christopher Graham→
Resignedsecretary · appointed 1996-06-17 · resigned 2008-04-02
GOUGH GOODMAN, Marie-Therese Elizabeth→
Resignedsecretary · resigned 1996-06-17
HESKETH, David John Philip→
Resignedsecretary · appointed 2013-12-23 · resigned 2020-06-19
MORROW, Anthony Jackson→
Resignedsecretary · appointed 2008-04-02 · resigned 2012-02-21
CARR, Philip Alexander→
Resigneddirector · ~51y · appointed 2010-12-06 · resigned 2013-12-23
CRADDOCK, Peter Martin→
Resigneddirector · ~65y · appointed 2011-08-02 · resigned 2013-12-23
DE LIMA, Maria Olga Adlin→
Resigneddirector · ~64y · appointed 1992-06-01 · resigned 2012-12-03
GOUGH GOODMAN, Christopher Graham→
Resigneddirector · ~83y · resigned 2018-02-05
GOUGH GOODMAN, Marie-Therese Elizabeth→
Resigneddirector · ~76y · resigned 1996-06-17
HESKETH, David John Philip→
Resigneddirector · ~45y · appointed 2013-12-23 · resigned 2020-06-19
KEELING, Damian John→
Resigneddirector · ~69y · appointed 2008-04-01 · resigned 2013-12-23
MENTEL, Lothar→
Resigneddirector · ~58y · appointed 2015-10-27 · resigned 2017-12-04
MORROW, Anthony Jackson→
Resigneddirector · ~52y · appointed 2008-04-01 · resigned 2012-02-21
Click a director name to see their full track record across all companies.
Mortgages & charges
26
Total charges
0
Outstanding
0
Active lenders
Status:Lender:26 of 26 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 23/06/2016 | 24/11/2025 | |
| satisfied | Mosaic Private Equity (Nominees) Mosaic Private Equity (Nominees) Limited | A registered charge | — | 03/06/2014 | 24/11/2025 | |
| satisfied | Paul Hogarth | A registered charge | 1 property | 02/08/2013 | 09/07/2014 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 30/04/2012 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 19/03/2012 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 20/12/2011 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 31/08/2011 | 12/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 30/06/2011 | 12/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 2 april 2008 and | 1 property | 03/06/2011 | 12/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 2 april 2008 and | 1 property | 31/05/2011 | 12/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 23/12/2010 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 2 april 2008 | 1 property | 22/12/2010 | 11/07/2016 | |
| satisfied | Mosaic Private Equity (Nominees) Mosaic Private Equity (Nominees) Limited | Debenture | 1 property | 14/12/2010 | 24/11/2025 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 2 april 2008 | 1 property | 29/10/2010 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 2 april 2008, | 1 property | 06/08/2010 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 02 april 2008, and | 1 property | 04/06/2010 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 2 april 2008 and | 1 property | 22/03/2010 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement (ogsa) | 1 property | 04/02/2010 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 08/01/2010 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 18/12/2009 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 03/12/2009 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 16/10/2009 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 04/09/2009 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture deed | 1 property | 02/04/2008 | 11/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | An omnibus guarantee and set-off agreement | 1 property | 02/04/2008 | 11/07/2016 | |
| satisfied | Modus Private Equity (Nominees) or Such Other Person as May Be Appointed Pursuant to the Security Trustee Deed to Act as Security Agent and Trustee for the Persons for the Time Being Entitled to the Benefit of Any Relevant Security Modus Private Equity (Nominees) Limited or Such Other Person as May Be Appointed Pursuant to the Security Trustee Deed to Act as Security Agent and Trustee for the Persons for the Time Being Entitled to the Benefit of Any Relevant Security | Debenture | 1 property | 02/04/2008 | 24/11/2025 |
Recent filings (220 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-25
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-24
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-24
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-24
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-24
mortgage-charge-whole-release-with-charge-number
mortgage · MR05
2025-11-20
mortgage-charge-whole-release-with-charge-number
mortgage · MR05
2025-11-20
mortgage-charge-whole-release-with-charge-number
mortgage · MR05
2025-11-20
mortgage-charge-whole-release-with-charge-number
mortgage · MR05
2025-11-20
accounts-with-accounts-type-full
accounts · AA
2025-09-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-11
accounts-with-accounts-type-full
accounts · AA
2024-09-25
notification-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC08
2024-07-26
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-07-26
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-07-24