CITY AND COMMERCIAL LTD

🌳Matureactive

02814889 · ltd · incorporated 1993-05-04

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

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 30.5y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to May 2025

Net worth

—

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Activities of insurance agents and brokers

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 68). 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

1 live charge · oldest 30.5y

65/100

clean up first

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

· Oldest live charge is 30.5 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

22 officers (5 active, 22 linked, 16 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

7 connected companies via shared directors

Filing history

131 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-05-31	2024-05-31

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

filing

• 1 confirmation-statement

Last 90 days

filings

• 2 gazette
• 1 confirmation-statement
• 1 accounts

Last 180 days

filings

• 2 gazette
• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (58 events)Click to expand

2026-04-29
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2026-04-28
📄
gazette-notice-compulsory
gazette · GAZ1
2026-04-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-03
➖
BURROWS, Grant Richard resigned
director
2025-10-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-09-01
➕
BURROWS, Grant Richard appointed
director
2025-09-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-16
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-16
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-03-10
➕
SELOUS, Andrew Edmund Armstrong appointed
director
2025-02-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-27
➖
SELOUS, Andrew Edmund Armstrong resigned
director
2024-11-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-11-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-11-01
➕
SELOUS, Andrew Edmund Armstrong appointed
director
2024-02-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-16
➖
BURROWS, Grant Richard resigned
director
2023-05-16
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-02-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-30
✏️
certificate-change-of-name-company
change-of-name · CERTNM
2022-03-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2020-09-01
➕
MANKAR, Kumar Chetan appointed
director
2018-02-09
➖
XIOURI, Peter Andreas resigned
director
2017-08-10
➕
XIOURI, Peter Andreas appointed
director
2017-02-28
➖
ROMATA, Roland resigned
director
2017-02-06
➕
DIXON, Neil Michael, Dr appointed
director
2015-06-12
➖
GALLOWAY, Charles Alexander resigned
director
2015-03-20
➖
GALLOWAY, Charles Alexander resigned
director
2014-12-23
➕
GALLOWAY, Charles Alexander appointed
director
2014-12-23
➕
GALLOWAY, Charles Alexander appointed
director
2014-09-16
➕
ROMATA, Roland appointed
director
2014-02-21
➕
BUHARI, Mohammed Niraz appointed
director
2009-03-27
➕
SHAW, Simon Richard appointed
director
2009-03-27
➖
BURROWS, Jo-Anna Burton resigned
secretary
1999-11-26
➕
BURROWS, Jo-Anna Burton appointed
secretary
1999-05-13
➖
BURROWS, Grant Richard resigned
secretary
1998-10-16
➖
MATTHEWS, Frank George resigned
director
1998-01-12
➖
MANSELL, Craig resigned
director
1996-01-18
🔒
Charge registered #1
Lender: Barclays Bank PLC
1994-05-04
➖
BURROWS, Grant Richard resigned
secretary
1994-05-04
➖
BURROWS, Grant Richard resigned
director
1994-03-31
➕
BURROWS, Grant Richard appointed
secretary
1994-03-31
➕
BURROWS, Grant Richard appointed
director
1994-02-18
➖
BURROWS, Zena resigned
director
1994-02-18
➕
MANSELL, Craig appointed
director
1994-02-18
➕
MATTHEWS, Frank George appointed
director
1993-05-06
➕
BURROWS, Grant Richard appointed
secretary

Showing most recent 50 of 58 events

Owner dependency

65/100

High — earn-out structure required

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

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

63/100

Strong succession signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
secondary12+ year tenure: Director in role 17 years.
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

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Niraz Mohammed Buhari Individual · British · DOB 05/1983 · age 43	75–100%	—	75-100% shares	06/04/2016

1 historic (ceased) PSC

Mr Grant Richard Burrowsceased 04/05/2024· 25-50% shares

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 · LE postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BLU NOVA TRADING LTD→ 16570519 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BONDESTIN SOLUTIONS LTD→ 17117169 · est 2026 · no financials extracted	—	—	—	—	—	—	—
CAUSON BUSINESS FINANCE LIMITED→ 15888072 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
CLAREMONT FINANCIAL PLANNING LIMITED→ 03794947 · est 1999 · no financials extracted	—	—	—	—	26y	—	—
CLEAR FINANCIAL (LEICESTER) LTD→ 11826936 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
COLIN HALL CONSULTING LIMITED→ 13625336 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
COLLINS & CO FINANCIAL PLANNING LTD→ 13565899 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
COMPARISONLY LIMITED→ 11953941 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
COMPLETE HEALTH AND PROTECTION LTD→ 12215836 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
CONMODUM LIMITED→ 13272953 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
CONNEXPAY UK LTD→ 13631180 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
CONSORT COMMERCIALS LIMITED→ 10597731 · est 2017 · no financials extracted	—	—	—	—	9y	—	—

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

Incorporated1993-05-04

Jurisdictionengland-wales

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Ashley Court 32 Main Street

Ashley

Market Harborough

Leicestershire

LE16 8HF

United Kingdom

Filing status

Accounts

Next due: 2027-02-28

Last made up to: 2025-05-31

Confirmation statement

Next due: 2026-11-06

Last: 2025-10-23