C.F. CAPITAL PLC
🌳Matureactive
02305279 · plc · incorporated 1988-10-13
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 63-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).
🏦
Refinance opportunity
12 live charges · 6 lenders · oldest 36.2y
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 36.2 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: medium (58/100)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
12 charges (12/12 with lender, 12/12 with type)
90
Directors & officers
12 officers (3 active, 12 linked, 7 with DOB)
82
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
162 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (60 events)Click to expand
- 2025-10-07📄accounts-with-accounts-type-fullaccounts · AA
- 2024-10-08📄accounts-with-accounts-type-fullaccounts · AA
- 2023-10-05📄accounts-with-accounts-type-fullaccounts · AA
- 2022-10-01📄accounts-with-accounts-type-fullaccounts · AA
- 2021-10-01📄accounts-with-accounts-type-fullaccounts · AA
- 2020-12-21📄accounts-with-accounts-type-fullaccounts · AA
- 2020-12-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-12-17🔓Charge satisfied #9
- 2020-08-19📄memorandum-articlesincorporation · MA
- 2020-08-19📄resolutionresolution · RESOLUTIONS
- 2020-07-23📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-07-23📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-02-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2020-01-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-01-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-01-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-01-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-01-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-01-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-01-16➖BRODIE, John Andrew resigneddirector
- 2020-01-16➖CHARLTON, Peter resigneddirector
- 2020-01-16➖KEELEY, Gary resigneddirector
- 2019-10-05📄accounts-with-accounts-type-fullaccounts · AA
- 2019-06-12🔒Charge registered #12Lender: National Westminster Bank PLC
- 2018-11-23🔓Charge satisfied #7
- 2018-08-01🔓Charge satisfied #11
- 2016-04-11🔒Charge registered #11Lender: Aldermore Bank PLC
- 2012-08-08🔓Charge satisfied #10
- 2010-07-07🔒Charge registered #10Lender: Investec Asset Finance PLC
- 2010-07-01➕ALLEN, Darren Edward appointedsecretary
- 2010-07-01➖HAZELL, James Albert resignedsecretary
- 2006-10-05🔒Charge registered #9Lender: Siemens Financial Services Limited
- 2003-03-26🔓Charge satisfied #6
- 2003-03-26🔓Charge satisfied #5
- 2003-03-26🔓Charge satisfied #4
- 2003-03-26🔓Charge satisfied #3
- 2003-03-26🔓Charge satisfied #2
- 2003-03-26🔓Charge satisfied #1
- 2002-05-01🔒Charge registered #7Lender: National Westminster Bank PLC
- 2002-04-29🔒Charge registered #8Lender: National Westminster Bank PLC
- 2000-10-31➕HAZELL, James Albert appointedsecretary
- 2000-10-31➖HAZE FINANCIAL SERVICES LTD resignedcorporate-secretary
- 2000-03-31➖HAZELL, James Albert resignedsecretary
- 2000-03-31➕HAZE FINANCIAL SERVICES LTD appointedcorporate-secretary
- 2000-03-31➖HAZELL, James Albert resigneddirector
- 1996-07-29➕YIANNAKOU, Michael appointeddirector
- 1996-07-29➕KEELEY, Gary appointeddirector
- 1995-05-25➕HAZELL, James Albert appointedsecretary
- 1995-05-25➖LEWIS, Patrick Anthony Proctor, Mister resignedsecretary
- 1994-07-18➖RANNIE, Keith Philip resigneddirector
Showing most recent 50 of 60 events
Owner dependency
76/100
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.
- +Long-tenure founder: Senior director has been in place 33 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 33 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 38 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.
Group structure
C.F. Capital Holdings Limited (Company No. 12231353) is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
C.F. Capital Holdings Limited (Company No. 12231353)
Corporate parent · holds 75-100% shares · board control
⬇
C.F. CAPITAL PLC
This company · 02305279
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
C.F. Capital Holdings Limited (Company No. 12231353) Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 16/01/2020 |
3 historic (ceased) PSCs
- Mr Andrew Percyceased 16/01/2020· 25-50% shares
- Mr Michael Yiannakouceased 16/01/2020· 25-50% shares
- Mr Peter Charltonceased 16/01/2020· 25-50% shares · 25-50% voting
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 →Similar companies
Active · Financial services · CM postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BEHUMAN.INVESTMENTS LTD→ 16586969 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BLACKSWANOBSIDIAN.INSURE LTD→ 16595503 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BLACKSWANOBSIDIAN.MORTGAGE LTD→ 16595295 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BRETLAND CAPITAL LIMITED→ 16438213 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BROOM CONSULTANTS EOT LIMITED→ 14667877 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| BURBO LTD→ 16009038 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CALLAWAY SYKES ASSOCIATES LIMITED→ 01032552 · est 1971 · no financials extracted | — | — | — | — | 54y | — | — |
| CAMBRIDGE ADVISERS LIMITED→ 13789863 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CAMERON CLAIMS AND SURVEYS LTD→ 08818797 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| CAMERON SPECIALTY INSURANCE LIMITED→ 14029884 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CAPINTRO PARTNERS LIMITED→ 06215450 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| CAPITAL APPRECIATION LTD→ 09389881 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
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
Typeplc
Incorporated1988-10-13
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Capital House
Raynham Road
Bishops Stortford
Hertfordshire
CM23 5TT
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-27
Last: 2025-07-13
Officers (3 active · 9 resigned)
ALLEN, Darren Edward→
Activesecretary · appointed 2010-07-01
View their other companies + combined net worth →
PERCY, Andrew→
Activedirector · ~60y · appointed 1993-08-04
View their other companies + combined net worth →
YIANNAKOU, Michael→
Activedirector · ~63y · appointed 1996-07-29
View their other companies + combined net worth →
HAZELL, James Albert→
Resignedsecretary · appointed 2000-10-31 · resigned 2010-07-01
HAZELL, James Albert→
Resignedsecretary · appointed 1995-05-25 · resigned 2000-03-31
LEWIS, Patrick Anthony Proctor, Mister→
Resignedsecretary · resigned 1995-05-25
HAZE FINANCIAL SERVICES LTD→
Resignedcorporate-secretary · appointed 2000-03-31 · resigned 2000-10-31
BRODIE, John Andrew→
Resigneddirector · ~58y · appointed 1993-07-19 · resigned 2020-01-16
CHARLTON, Peter→
Resigneddirector · ~79y · resigned 2020-01-16
HAZELL, James Albert→
Resigneddirector · ~72y · resigned 2000-03-31
KEELEY, Gary→
Resigneddirector · ~63y · appointed 1996-07-29 · resigned 2020-01-16
RANNIE, Keith Philip→
Resigneddirector · ~62y · appointed 1993-08-12 · resigned 1994-07-18
Click a director name to see their full track record across all companies.
Mortgages & charges
12
Total charges
2
Outstanding
1
Active lenders
Status:Lender:12 of 12 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 12/06/2019 | — | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | — | 11/04/2016 | 01/08/2018 | |
| satisfied | Investec Asset Finance Investec Asset Finance PLC | Block discount agreement | 1 property | 07/07/2010 | 08/08/2012 | |
| satisfied | Siemens Financial Services Siemens Financial Services Limited | Block discounting agreement | 1 property | 05/10/2006 | 17/12/2020 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 01/05/2002 | 23/11/2018 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 29/04/2002 | — | |
| satisfied | Aib International Financial Services Aib International Financial Services Limited | Letter supplemental to master assignment and charge dated 15/04/1992 | 1 property | 07/05/1992 | 26/03/2003 | |
| satisfied | Aib International Financial Services Aib International Financial Services Limited | Letter supplemental to master assignment and charge dated 15 april 1992 | 1 property | 07/05/1992 | 26/03/2003 | |
| satisfied | Aib International Financial Services Aib International Financial Services Limited | Deed of assignment and charge | 1 property | 15/04/1992 | 26/03/2003 | |
| satisfied | A/B International Financial Services A/B International Financial Services Limited | Allignment of loans | 1 property | 29/03/1990 | 26/03/2003 | |
| satisfied | A/B International Financial Services A/B International Financial Services Limited | Charge over deposit account | 1 property | 29/03/1990 | 26/03/2003 | |
| satisfied | A/B International Financial Services A/B International Financial Services Limited | Debenture | — | 29/03/1990 | 26/03/2003 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (162 total)
accounts-with-accounts-type-full
accounts · AA
2025-10-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-24
accounts-with-accounts-type-full
accounts · AA
2024-10-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-12
accounts-with-accounts-type-full
accounts · AA
2023-10-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-26
accounts-with-accounts-type-full
accounts · AA
2022-10-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-27
accounts-with-accounts-type-full
accounts · AA
2021-10-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-16
accounts-with-accounts-type-full
accounts · AA
2020-12-21
mortgage-satisfy-charge-full
mortgage · MR04
2020-12-17
memorandum-articles
incorporation · MA
2020-08-19
resolution
resolution · RESOLUTIONS
2020-08-19
confirmation-statement-with-updates
confirmation-statement · CS01
2020-07-29