CHRIS LEACH AND ASSOCIATES LIMITED

🌳Matureactive
01752622 · ltd · incorporated 1983-09-13
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 40.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£2.08M
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 77-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 77). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 40.0y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 40.0 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
9 officers (5 active, 9 linked, 6 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
113 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
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
Positive net assets
Net assets £2,075,999
Cash YoY
+1%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£849k
↑ 1.4% YoY
Net Worth
£2.1m
↑ 5.7% YoY
Current Assets
£2.1m
↑ 6.2% YoY
Current Liabilities
—
£0£427k£854k£1.3m£1.7m£2.1mSept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Total assets£2.15M£2.05M
Current assets£2.13M£2.01M
Cash£849.4k£837.6k
Debtors£352.8k£339.8k
Net assets£2.08M£1.96M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2026-06-26
    📄
    accounts-with-accounts-type-small
    accounts · AA
  2. 2025-04-14
    📄
    accounts-with-accounts-type-small
    accounts · AA
  3. 2024-06-24
    📄
    accounts-with-accounts-type-small
    accounts · AA
  4. 2023-06-27
    📄
    accounts-with-accounts-type-small
    accounts · AA
  5. 2022-06-23
    📄
    accounts-with-accounts-type-small
    accounts · AA
  6. 2022-02-17
    📄
    memorandum-articles
    incorporation · MA
  7. 2022-02-17
    📄
    resolution
    resolution · RESOLUTIONS
  8. 2022-02-17
    📄
    capital-name-of-class-of-shares
    capital · SH08
  9. 2021-05-19
    📄
    accounts-with-accounts-type-small
    accounts · AA
  10. 2021-02-25
    📄
    capital-name-of-class-of-shares
    capital · SH08
  11. 2020-06-29
    📄
    accounts-with-accounts-type-small
    accounts · AA
  12. 2019-07-04
    📄
    accounts-with-accounts-type-small
    accounts · AA
  13. 2019-06-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2019-06-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2019-04-05
    ➕
    BULMAN, Martyn appointed
    director
  16. 2019-04-05
    ➕
    HEATHER, Anthony appointed
    director
  17. 2018-06-27
    📄
    accounts-with-accounts-type-small
    accounts · AA
  18. 2017-07-04
    📄
    accounts-with-accounts-type-small
    accounts · AA
  19. 2009-10-01
    ➕
    PHILLIPS, Judith, Mrs. appointed
    director
  20. 2002-03-31
    ➖
    JENKINS, Helen Andrea resigned
    director
  21. 2001-03-01
    ➕
    PHILLIPS, Judith appointed
    secretary
  22. 2001-03-01
    ➖
    JENKINS, Helen Andrea resigned
    secretary
  23. 1997-03-22
    🔓
    Charge satisfied #1
  24. 1996-12-06
    🔒
    Charge registered #2
    Lender: National Westminster Bank PLC
  25. 1994-08-01
    ➕
    JENKINS, Helen Andrea appointed
    secretary
  26. 1994-08-01
    ➕
    JENKINS, Helen Andrea appointed
    director
  27. 1994-07-29
    ➖
    WATKINS, Anthony Wallace resigned
    secretary
  28. 1994-07-29
    ➖
    WATKINS, Anthony Wallace resigned
    director
  29. 1986-07-09
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  30. 1983-09-13
    🏢
    Company incorporated
    As CHRIS LEACH AND ASSOCIATES LIMITED

Owner dependency

80/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder name in company name: Company name contains director surname "LEACH" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 77 — succession pressure is live.

Succession & seller-readiness

83/100
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 77 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 17 years.
  • secondaryStable-but-static management: Company is 43 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Miss Christine Mary Leach
Individual · British · DOB 12/1949 · age 77
50–75%
50–75%board control50-75% shares · 50-75% voting · board control06/04/2016
Mrs. Judith Phillips
Individual · British · DOB 05/1964 · age 62
——board controlboard control06/04/2016

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

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
Incorporated1983-09-13
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Telynfa Main Road
Gwaelod Y Garth
Cardiff
CF15 9HJ

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-03-27
Last: 2026-03-13

Officers (5 active · 4 resigned)

PHILLIPS, Judith→
secretary · appointed 2001-03-01
View their other companies + combined net worth →
Active
BULMAN, Martyn→
director · ~48y · appointed 2019-04-05
View their other companies + combined net worth →
Active
HEATHER, Anthony→
director · ~56y · appointed 2019-04-05
View their other companies + combined net worth →
Active
LEACH, Christine Mary→
director · ~77y
View their other companies + combined net worth →
Active
PHILLIPS, Judith, Mrs.→
director · ~62y · appointed 2009-10-01
View their other companies + combined net worth →
Active
JENKINS, Helen Andrea→
secretary · appointed 1994-08-01 · resigned 2001-03-01
Resigned
WATKINS, Anthony Wallace→
secretary · resigned 1994-07-29
Resigned
JENKINS, Helen Andrea→
director · ~74y · appointed 1994-08-01 · resigned 2002-03-31
Resigned
WATKINS, Anthony Wallace→
director · ~82y · resigned 1994-07-29
Resigned

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
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
Mortgage debenture1 property06/12/1996—
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Mortgage1 property09/07/198622/03/1997
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (113 total)

accounts-with-accounts-type-small
accounts · AA
2026-06-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-20
accounts-with-accounts-type-small
accounts · AA
2025-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-26
accounts-with-accounts-type-small
accounts · AA
2024-06-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-03
accounts-with-accounts-type-small
accounts · AA
2023-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-28
accounts-with-accounts-type-small
accounts · AA
2022-06-23
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-04
memorandum-articles
incorporation · MA
2022-02-17
resolution
resolution · RESOLUTIONS
2022-02-17
capital-name-of-class-of-shares
capital · SH08
2022-02-17
accounts-with-accounts-type-small
accounts · AA
2021-05-19
confirmation-statement-with-updates
confirmation-statement · CS01
2021-05-06