CASFS LTD
🌳Matureactive
02354894 · ltd · incorporated 1989-03-03
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 36.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
71/100
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 71/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
5 live charges · 2 lenders · oldest 36.2y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 36.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 28/100 — workable, but lender will want more DD.
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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
33 officers (3 active, 33 linked, 25 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
226 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
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
74
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
2
filings
- • 1 confirmation-statement
- • 1 address
Counts from Companies House filing history.
Corporate timeline (89 events)Click to expand
- 2025-12-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-08-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-28➖RICHARDS, Andrew James resigneddirector
- 2025-07-08📄accounts-with-accounts-type-smallaccounts · AA
- 2025-01-02📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-01-02📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-01-01➕LONIE, Alastair appointedsecretary
- 2025-01-01➖WRIGHT, Amanda resignedsecretary
- 2024-07-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-07-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-07-03📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-06-06📄accounts-with-accounts-type-smallaccounts · AA
- 2023-11-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-20➕RONSON, Jackie appointeddirector
- 2023-10-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-10-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-10-13➖HOGG, Kenneth Duncan resigneddirector
- 2023-10-12➕MURRAY, Steven Grant appointeddirector
- 2023-07-18📄accounts-with-accounts-type-smallaccounts · AA
- 2022-10-03➕WRIGHT, Amanda appointedsecretary
- 2022-10-03📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2022-10-03📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-10-02➖LONIE, Alastair resignedsecretary
- 2022-07-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2022-07-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-06-01➖PARRY, Nicholas Allen resigneddirector
- 2022-06-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-05-27✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2022-05-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-05-12📄accounts-with-accounts-type-fullaccounts · AA
- 2022-04-27➕LONIE, Alastair appointedsecretary
- 2022-04-27➖FRASER, Nicola Jane resigneddirector
- 2022-04-27➕HOGG, Kenneth Duncan appointeddirector
- 2022-04-27➖MASON, David John resigneddirector
- 2022-04-27➖PLENDERLEITH, Ian resigneddirector
- 2022-04-27➖POLIN, Jonathan Charles resigneddirector
- 2022-04-27➕RICHARDS, Andrew James appointeddirector
- 2021-04-08➕PLENDERLEITH, Ian appointeddirector
- 2020-11-06➕FRASER, Nicola Jane appointeddirector
- 2020-10-14➕MASON, David John appointeddirector
- 2020-06-17➖HANRATTY, Paul Brendan resigneddirector
- 2020-06-11➖FRASER, Nicola Jane resigneddirector
- 2020-05-06➕FRASER, Nicola Jane appointeddirector
- 2019-10-13➖WARREN, Juliet Mary resignedsecretary
- 2019-10-02➖GIBSON, Jeremy Paul resigneddirector
- 2018-02-22➕HANRATTY, Paul Brendan appointeddirector
- 2016-07-01➖LORAM, Rehana resignedsecretary
- 2016-07-01➕WARREN, Juliet Mary appointedsecretary
- 2016-01-20➖VAN DER WALT, Lukas resigneddirector
- 2016-01-18➕POLIN, Jonathan Charles appointeddirector
Showing most recent 50 of 89 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
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Multiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Countrywide Assured Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Countrywide Assured Plc
Corporate parent · holds 75-100% shares
⬇
CASFS LTD
This company · 02354894
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 |
|---|---|---|---|---|
Countrywide Assured Plc Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 03/07/2024 |
1 historic (ceased) PSC
- Caslp Ltdceased 03/07/2024· 75-100% shares · 75-100% voting · board control
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
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|---|---|---|---|---|---|---|---|
| CLEAR GLASS HOLDING LTD→ 17123478 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| COUNTRYWIDE EQUITY RELEASE LIMITED→ 12827585 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CROWNE FINANCIAL SOLUTIONS LTD→ 14234027 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CWD INVESTMENTS LTD→ 14569796 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| DIGITAL BULL TRADING LIMITED→ 15685580 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| DOMINION FINANCE LIMITED→ 02704712 · est 1992 · no financials extracted | — | — | — | — | 34y | — | — |
| DRAPER GLOBAL LTD→ 16470142 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| E. COLLINSON & CO. E.B.T. LIMITED→ 03237137 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| E.H. BOOTH & CO. PENSION TRUSTEES LIMITED→ 08553021 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| EASY PAYMENTS LTD→ 15373009 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| EDGARTON HOUSE LTD→ 16930671 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EDGMOOR LIMITED→ 09876796 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated1989-03-03
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
2nd Floor, 33-34 Winckley Square
Preston
Lancashire
PR1 3JJ
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-17
Last: 2026-03-03
Officers (3 active · 30 resigned)
Active
MURRAY, Steven Grant→
Activedirector · ~48y · appointed 2023-10-12
View their other companies + combined net worth →
RONSON, Jackie→
Activedirector · ~53y · appointed 2023-11-20
View their other companies + combined net worth →
EDMONDS, Martin Westmoreland→
Resignedsecretary · appointed 2003-12-23 · resigned 2011-03-31
KIDDLE MORRIS, Christopher John→
Resignedsecretary · appointed 1997-01-01 · resigned 2003-12-23
LONIE, Alastair→
Resignedsecretary · appointed 2022-04-27 · resigned 2022-10-02
LORAM, Rehana→
Resignedsecretary · appointed 2011-04-01 · resigned 2016-07-01
WARREN, Juliet Mary→
Resignedsecretary · appointed 2016-07-01 · resigned 2019-10-13
WRIGHT, Amanda→
Resignedsecretary · appointed 2022-10-03 · resigned 2025-01-01
YOUNG, David Gordon→
Resignedsecretary · resigned 1996-12-31
EDMONDS, Martin Westmoreland→
Resigneddirector · ~75y · appointed 2007-09-05 · resigned 2011-03-31
EVETTS, Graham Reginald→
Resigneddirector · ~73y · appointed 2003-12-23 · resigned 2006-04-13
FRASER, Nicola Jane→
Resigneddirector · ~54y · appointed 2020-11-06 · resigned 2022-04-27
FRASER, Nicola Jane→
Resigneddirector · ~54y · appointed 2020-05-06 · resigned 2020-06-11
GEARD, Stuart James→
Resigneddirector · ~52y · appointed 2006-06-15 · resigned 2012-09-28
GIBSON, Jeremy Paul→
Resigneddirector · ~53y · appointed 2013-01-04 · resigned 2019-10-02
GILDENHUYS, Anton→
Resigneddirector · ~52y · appointed 2011-11-17 · resigned 2013-05-16
HANRATTY, Paul Brendan→
Resigneddirector · ~65y · appointed 2018-02-22 · resigned 2020-06-17
HOGG, Kenneth Duncan→
Resigneddirector · ~61y · appointed 2022-04-27 · resigned 2023-10-13
JONES, Christopher→
Resigneddirector · ~86y · resigned 2003-11-07
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Wimpole Street Investments Wimpole Street Investments Limited | Debenture | 1 property | 06/04/1990 | 27/02/1992 | |
| satisfied | Cornhill Insurance Public Company Cornhill Insurance Public Limited Company | Deed. | 1 property | 29/03/1990 | 26/01/1993 | |
| satisfied | Cornhill Insurance Public Company Cornhill Insurance Public Limited Company | Deed | 1 property | 29/03/1990 | 26/01/1993 | |
| satisfied | Cornhill Insurance Public Company Cornhill Insurance Public Limited Company | Deed | 1 property | 29/03/1990 | 26/01/1993 | |
| satisfied | Cornhill Insurance Public Company Cornhill Insurance Public Limited Company | Debenture | 1 property | 29/03/1990 | 26/01/1993 |
Recent filings (226 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-12-11
termination-director-company-with-name-termination-date
officers · TM01
2025-08-29
accounts-with-accounts-type-small
accounts · AA
2025-07-08
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-10
termination-secretary-company-with-name-termination-date
officers · TM02
2025-01-02
appoint-person-secretary-company-with-name-date
officers · AP03
2025-01-02
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-07-26
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-07-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-07-03
accounts-with-accounts-type-small
accounts · AA
2024-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-05
appoint-person-director-company-with-name-date
officers · AP01
2023-11-23
appoint-person-director-company-with-name-date
officers · AP01
2023-10-15
termination-director-company-with-name-termination-date
officers · TM01
2023-10-15