CTS RECRUITMENT LIMITED

🌳Matureactive
03107637 · ltd · incorporated 1995-09-28
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£266
book net assets
Opportunity
68/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 68/100 (strong), bankability 42/100. Strong seller-intent signal (93/100, director aged 81). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: asset disposal / carve-out (45/100).

🏦

Refinance opportunity

6 live charges · 5 lenders · oldest 30.0y

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 30.0 years old — likely at or near maturity.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 58/100 (high).

Data confidence

Overall: medium (72/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
18 officers (2 active, 18 linked, 13 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
132 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
68/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
50
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
61
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £266

Key financials

1 year extracted from filed iXBRL accounts
Cash
£12k
Net Worth
£266
Current Assets
£303k
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-31
Total assets£5.8k
Current assets£302.7k
Cash£12.1k
Debtors£290.6k
Net assets£266

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
2
filings
  • • 2 confirmation-statement
Last 90 days
5
filings
  • • 3 confirmation-statement
  • • 2 officers
Last 180 days
6
filings
  • • 3 confirmation-statement
  • • 3 officers
Counts from Companies House filing history.
Corporate timeline (62 events)Click to expand
  1. 2026-06-18
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  2. 2026-06-09
    ➖
    WARNER, Jayne resigned
    director
  3. 2026-05-01
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  4. 2026-04-18
    ➖
    MOORE, Linda Anne resigned
    secretary
  5. 2026-04-17
    ➖
    MOORE, Linda Anne resigned
    director
  6. 2026-04-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2025-12-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2025-03-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2025-03-24
    📄
    legacy
    miscellaneous · ANNOTATION
  10. 2023-10-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2023-09-20
    🔒
    Charge registered #6
    Lender: Close Brothers Limited (The “Security Trustee”)
  12. 2023-09-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  13. 2023-09-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2023-09-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  15. 2023-09-15
    🔓
    Charge satisfied #5
  16. 2023-09-15
    🔓
    Charge satisfied #4
  17. 2023-09-15
    🔓
    Charge satisfied #1
  18. 2023-06-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2022-05-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2021-10-08
    📄
    second-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP04CS01
  21. 2021-07-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  22. 2021-07-19
    ➕
    ROWLEY, Stuart Michael appointed
    director
  23. 2021-05-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2020-06-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  25. 2015-01-01
    ➕
    WARNER, Jayne appointed
    director
  26. 2014-11-19
    ➕
    MOORE, Linda Anne appointed
    director
  27. 2011-08-19
    🔒
    Charge registered #5
    Lender: The Royal Bank of Scotland PLC
  28. 2011-01-12
    ➖
    ROWLEY, Stuart Michael resigned
    director
  29. 2010-05-19
    🔓
    Charge satisfied #3
  30. 2010-05-14
    🔒
    Charge registered #4
    Lender: Close Invoice Finance Limited
  31. 2008-12-22
    ➕
    ROWLEY, Stuart Michael appointed
    director
  32. 2008-04-21
    ➖
    ROWLEY, Stuart Michael resigned
    director
  33. 2007-03-19
    ➕
    ROWLEY, Stuart Michael appointed
    director
  34. 2006-11-30
    ➖
    MOSS, Stuart John resigned
    director
  35. 2006-08-07
    ➖
    ROWLEY, Stuart Michael resigned
    director
  36. 2006-03-27
    ➕
    MOSS, Stuart John appointed
    director
  37. 2005-08-01
    ➕
    ROWLEY, Stuart Michael appointed
    director
  38. 2002-04-17
    ➖
    BASKIN, Stanley resigned
    director
  39. 2001-09-21
    ➖
    MOORE, Linda Anne resigned
    director
  40. 2001-09-21
    ➖
    POOLEY, David resigned
    director
  41. 2001-04-01
    ➕
    POOLEY, David appointed
    director
  42. 2000-07-22
    🔓
    Charge satisfied #2
  43. 2000-06-22
    🔒
    Charge registered #3
    Lender: Gmac Commercial Credit Limited
  44. 1999-05-28
    ➖
    COWAN, Gary William resigned
    director
  45. 1999-04-08
    🔒
    Charge registered #2
    Lender: Bny International Limited
  46. 1998-10-27
    ➕
    MOORE, Linda Anne appointed
    secretary
  47. 1998-10-09
    ➖
    MOORE, Winifred Joyce resigned
    director
  48. 1998-10-08
    ➖
    MOORE, Winifred Joyce resigned
    secretary
  49. 1998-09-02
    ➕
    BASKIN, Stanley appointed
    director
  50. 1996-07-15
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
Showing most recent 50 of 62 events

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 81 — succession pressure is live.

Succession & seller-readiness

96/100
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 81 years old. Natural succession window is now.
  • 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

3 med ·
Has insolvency history
medium

Companies House flags prior insolvency events. Review the insolvency filings for context.

3 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: MOORE, Linda Anne resigned 2026-04-18; MOORE, Linda Anne resigned 2026-04-17; WARNER, Jayne resigned 2026-06-09

Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Christopher Henry Graham
Individual · British · DOB 09/1945 · age 81
75–100%
—75-100% shares06/04/2016

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

8 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
Incorporated1995-09-28
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

256 High Street
Waltham Cross
Hertfordshire
EN8 7DZ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-07-20
Last: 2026-07-06

Officers (2 active · 16 resigned)

GRAHAM, Christopher Henry→
director · ~81y · appointed 1995-09-28
View their other companies + combined net worth →
Active
ROWLEY, Stuart Michael→
director · ~54y · appointed 2021-07-19
View their other companies + combined net worth →
Active
MOORE, Linda Anne→
secretary · appointed 1998-10-27 · resigned 2026-04-18
Resigned
MOORE, Linda Anne→
secretary · appointed 1995-09-28 · resigned 1996-07-08
Resigned
MOORE, Winifred Joyce→
secretary · appointed 1996-07-08 · resigned 1998-10-08
Resigned
TEMPLE SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 1995-09-28 · resigned 1995-09-28
Resigned
BASKIN, Stanley→
director · ~83y · appointed 1998-09-02 · resigned 2002-04-17
Resigned
COWAN, Gary William→
director · ~76y · appointed 1996-07-08 · resigned 1999-05-28
Resigned
MOORE, Linda Anne→
director · ~74y · appointed 2014-11-19 · resigned 2026-04-17
Resigned
MOORE, Linda Anne→
director · ~74y · appointed 1995-09-28 · resigned 2001-09-21
Resigned
MOORE, Winifred Joyce→
director · ~98y · appointed 1996-07-08 · resigned 1998-10-09
Resigned
MOSS, Stuart John→
director · ~63y · appointed 2006-03-27 · resigned 2006-11-30
Resigned
POOLEY, David→
director · ~70y · appointed 2001-04-01 · resigned 2001-09-21
Resigned
ROWLEY, Stuart Michael→
director · ~54y · appointed 2008-12-22 · resigned 2011-01-12
Resigned
ROWLEY, Stuart Michael→
director · ~54y · appointed 2007-03-19 · resigned 2008-04-21
Resigned
ROWLEY, Stuart Michael→
director · ~54y · appointed 2005-08-01 · resigned 2006-08-07
Resigned
WARNER, Jayne→
director · ~55y · appointed 2015-01-01 · resigned 2026-06-09
Resigned
COMPANY DIRECTORS LIMITED→
corporate-nominee-director · appointed 1995-09-28 · resigned 1995-09-28
Resigned

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

Mortgages & charges

6
Total charges
1
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Close Brothers
Close Brothers Limited (The “Security Trustee”)
A registered charge—20/09/2023—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Charge of deposit1 property19/08/201115/09/2023
satisfied
Close Invoice Finance
Close Invoice Finance Limited
Debenture1 property14/05/201015/09/2023
satisfied
Gmac Commercial Credit
Gmac Commercial Credit Limited
Debenture1 property22/06/200019/05/2010
satisfied
Bny International
Bny International Limited
Fixed charge on factored debts and floating charge on the receipts of other debts1 property08/04/199922/07/2000
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Debenture1 property15/07/199615/09/2023
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (132 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-06
confirmation-statement-with-updates
confirmation-statement · CS01
2026-07-02
termination-director-company-with-name-termination-date
officers · TM01
2026-06-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-01
termination-secretary-company-with-name-termination-date
officers · TM02
2026-05-01
termination-director-company-with-name-termination-date
officers · TM01
2026-04-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-24
legacy
miscellaneous · ANNOTATION
2025-03-24
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-04
mortgage-satisfy-charge-full
mortgage · MR04
2023-09-15
mortgage-satisfy-charge-full
mortgage · MR04
2023-09-15