CAMBOURNE FINANCIAL PLANNING LIMITED

🌳Matureactive

03097234 · ltd · incorporated 1995-09-01

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 18.8y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Aug 2025

Net worth

—

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Other activities auxiliary to financial services, except insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 65). 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 18.8y

65/100

clean up first

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

· Oldest live charge is 18.8 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (79/100)

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

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

5 officers (3 active, 5 linked, 2 with DOB)

Ownership & PSC

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

Director network

3 connected companies via shared directors

Filing history

78 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

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 · FRS 102

Metric	2025-08-31	2024-08-31
Average employees	23	2300

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (24 events)Click to expand

2026-03-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-16
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-23
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-19
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-06
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-02-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-05-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-03-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-03-30
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-04-28
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-09-30
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-03-24
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-09-24
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-04-07
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2007-10-10
🔒
Charge registered #1
Lender: National Westminster Bank PLC
1995-09-12
➕
LOYDALL, Mark Anthony appointed
secretary
1995-09-12
➕
ADAMS, Mark William appointed
director
1995-09-12
➕
LOYDALL, Mark Anthony appointed
director
1995-09-01
🏢
Company incorporated
As CAMBOURNE FINANCIAL PLANNING LIMITED
1995-09-01
➕
LONDON LAW SECRETARIAL LIMITED appointed
corporate-nominee-secretary
1995-09-01
➖
LONDON LAW SECRETARIAL LIMITED resigned
corporate-nominee-secretary
1995-09-01
➕
LONDON LAW SERVICES LIMITED appointed
corporate-nominee-director
1995-09-01
➖
LONDON LAW SERVICES LIMITED resigned
corporate-nominee-director

Owner dependency

83/100

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

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

86/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 65. 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 31 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 31 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

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Mark William Adams Individual · British · DOB 06/1964 · age 62	50–75%	50–75%	board control50-75% shares · 50-75% voting · board control	06/04/2016

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 →

Similar companies

Active · Financial services · LE postcode area

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BLU NOVA TRADING LTD→ 16570519 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BONDESTIN SOLUTIONS LTD→ 17117169 · est 2026 · no financials extracted	—	—	—	—	—	—	—
BROADLEY PROPERTIES LIMITED→ 04613150 · est 2002 · no financials extracted	—	—	—	—	23y	—	—
BTC HODLINGS LIMITED→ 13415660 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
CAIO CAPITAL LTD→ 16683447 · est 2025 · no financials extracted	—	—	—	—	—	—	—
CASTLEMAN COMMERCIAL LTD→ 17116779 · est 2026 · no financials extracted	—	—	—	—	—	—	—
CAUSON BUSINESS FINANCE LIMITED→ 15888072 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
CENTRICITY WEALTH MANAGEMENT LIMITED→ 09472096 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
CHARLESWORTH FINANCIAL PLANNING LIMITED→ 04662532 · est 2003 · no financials extracted	—	—	—	—	23y	—	—
CHODY LIMITED→ 06557955 · est 2008 · no financials extracted	—	—	—	—	18y	—	—
CHUB INVESTMENTS LIMITED→ 12335029 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
CITY AND COMMERCIAL LTD→ 02814889 · est 1993 · no financials extracted	—	—	—	—	32y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated1995-09-01

Jurisdictionengland-wales

Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Ivy Lodge

Toothill Road

Loughborough

Leicestershire

LE11 1PN

Filing status

Accounts

Next due: 2027-05-31

Last made up to: 2025-08-31

Confirmation statement

Next due: 2026-09-15

Last: 2025-09-01

Officers (3 active · 2 resigned)

LOYDALL, Mark Anthony→

secretary · appointed 1995-09-12

View their other companies + combined net worth →

Active

ADAMS, Mark William→

director · ~62y · appointed 1995-09-12

View their other companies + combined net worth →

Active

LOYDALL, Mark Anthony→

director · ~65y · appointed 1995-09-12

View their other companies + combined net worth →

Active

LONDON LAW SECRETARIAL LIMITED→

corporate-nominee-secretary · appointed 1995-09-01 · resigned 1995-09-01

Resigned

LONDON LAW SERVICES LIMITED→

corporate-nominee-director · appointed 1995-09-01 · resigned 1995-09-01

Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	National Westminster Bank National Westminster Bank PLC	Debenture	1 property	10/10/2007	—

Click column headers to sort. Use filters above to narrow by status and lender.