CBW FINANCIAL PLANNING LIMITED

🌳Matureactive
03224548 · ltd · incorporated 1996-07-15
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
—
year to Sept 2025
Net worth
£127.9k
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 65-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -52% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
15 officers (4 active, 15 linked, 12 with DOB)
86
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
130 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £127,853
Net assets shrinking
Down £184,641 YoY
Cash draining
Cash down 52% YoY
Cash YoY
-52%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£97k
↓ 52% YoY
Net Worth
£128k
↓ 59% YoY
Current Assets
£129k
↓ 44% YoY
Current Liabilities
—
£0£62k£125k£187k£250k£312kSept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Total assets£131.1k£312.5k
Current assets£128.9k£231.6k
Cash£97.4k£203.9k
Debtors£31.5k£27.7k
Net assets£127.9k£312.5k

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
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (47 events)Click to expand
  1. 2026-06-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-07-02
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-07-02
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2025-07-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2025-07-02
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2025-07-02
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  7. 2025-07-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  8. 2025-06-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2024-07-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  10. 2024-07-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2024-07-05
    ➕
    SCARDARELLA, Rebecca appointed
    director
  12. 2024-06-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2024-04-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2024-02-05
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  15. 2024-02-05
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  16. 2023-11-14
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  17. 2023-07-28
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  18. 2023-07-28
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  19. 2023-01-04
    📄
    accounts-with-accounts-type-small
    accounts · AA
  20. 2022-05-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  21. 2022-05-07
    ➖
    LESSER, Antony Maurice resigned
    director
  22. 2021-12-15
    📄
    accounts-with-accounts-type-small
    accounts · AA
  23. 2019-12-31
    ➖
    FOSTER, Graham resigned
    director
  24. 2017-11-14
    ➖
    KRAMER, David Philip resigned
    director
  25. 2016-10-07
    ➕
    CLAYTON, Christopher John appointed
    director
  26. 2013-04-01
    ➕
    FOSTER, Graham appointed
    director
  27. 2012-03-27
    ➖
    CARTER, Melvyn Julian resigned
    director
  28. 2010-11-12
    ➖
    ALEXANDER, John Alfred George resigned
    director
  29. 2010-04-01
    ➖
    LIPMAN, Harold Anthony Barry resigned
    director
  30. 2008-07-09
    ➕
    ALEXANDER, John Alfred George appointed
    director
  31. 2008-07-09
    ➖
    ALEXANDER, John Alfred George resigned
    director
  32. 2006-02-14
    ➕
    ALEXANDER, John Alfred George appointed
    director
  33. 1999-01-31
    ➖
    SHAH, Dipakkumar Umedchand resigned
    director
  34. 1999-01-01
    ➕
    LIPMAN, Harold Anthony Barry appointed
    director
  35. 1998-09-30
    ➖
    POYNTER, Leslie Gordon resigned
    director
  36. 1996-08-05
    ➕
    POYNTER, Leslie Gordon appointed
    director
  37. 1996-08-05
    ➕
    SHAH, Dipakkumar Umedchand appointed
    director
  38. 1996-07-15
    🏢
    Company incorporated
    As CBW FINANCIAL PLANNING LIMITED
  39. 1996-07-15
    ➕
    WINTER, Peter Stephen appointed
    secretary
  40. 1996-07-15
    ➕
    WINTER, Peter Stephen appointed
    director
  41. 1996-07-15
    ➕
    HALLMARK SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  42. 1996-07-15
    ➖
    HALLMARK SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  43. 1996-07-15
    ➕
    CARTER, Melvyn Julian appointed
    director
  44. 1996-07-15
    ➕
    KRAMER, David Philip appointed
    director
  45. 1996-07-15
    ➕
    LESSER, Antony Maurice appointed
    director
  46. 1996-07-15
    ➕
    HALLMARK REGISTRARS LIMITED appointed
    corporate-nominee-director
  47. 1996-07-15
    ➖
    HALLMARK REGISTRARS LIMITED resigned
    corporate-nominee-director

Owner dependency

75/100
High — earn-out structure required

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

FACTORS
  • +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

70/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
  • 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.)

Group structure

Cbw Fp Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Cbw Fp Group Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
CBW FINANCIAL PLANNING LIMITED
This company · 03224548

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%
NameSharesVoting rightsNature of controlNotified
Cbw Fp Group Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control02/02/2024
2 historic (ceased) PSCs
  • Cbw 2022 Llpceased 02/02/2024· 75-100% shares · 75-100% voting · board control
  • Carter Backer Winter Llpceased 27/04/2023· 75-100% 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 →

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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
Incorporated1996-07-15
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Highdown House
11 Highdown Road
Leamington Spa
Warwickshire
CV31 1XT
England

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-07-29
Last: 2025-07-15

Officers (4 active · 11 resigned)

WINTER, Peter Stephen→
secretary · appointed 1996-07-15
View their other companies + combined net worth →
Active
CLAYTON, Christopher John→
director · ~62y · appointed 2016-10-07
View their other companies + combined net worth →
Active
SCARDARELLA, Rebecca→
director · ~47y · appointed 2024-07-05
View their other companies + combined net worth →
Active
WINTER, Peter Stephen→
director · ~65y · appointed 1996-07-15
View their other companies + combined net worth →
Active
HALLMARK SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 1996-07-15 · resigned 1996-07-15
Resigned
ALEXANDER, John Alfred George→
director · ~75y · appointed 2008-07-09 · resigned 2010-11-12
Resigned
ALEXANDER, John Alfred George→
director · ~75y · appointed 2006-02-14 · resigned 2008-07-09
Resigned
CARTER, Melvyn Julian→
director · ~72y · appointed 1996-07-15 · resigned 2012-03-27
Resigned
FOSTER, Graham→
director · ~54y · appointed 2013-04-01 · resigned 2019-12-31
Resigned
KRAMER, David Philip→
director · ~72y · appointed 1996-07-15 · resigned 2017-11-14
Resigned
LESSER, Antony Maurice→
director · ~64y · appointed 1996-07-15 · resigned 2022-05-07
Resigned
LIPMAN, Harold Anthony Barry→
director · ~80y · appointed 1999-01-01 · resigned 2010-04-01
Resigned
POYNTER, Leslie Gordon→
director · ~93y · appointed 1996-08-05 · resigned 1998-09-30
Resigned
SHAH, Dipakkumar Umedchand→
director · ~73y · appointed 1996-08-05 · resigned 1999-01-31
Resigned
HALLMARK REGISTRARS LIMITED→
corporate-nominee-director · appointed 1996-07-15 · resigned 1996-07-15
Resigned

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

Recent filings (130 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-06-25
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-04
change-person-director-company-with-change-date
officers · CH01
2025-07-02
change-person-director-company-with-change-date
officers · CH01
2025-07-02
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-02
change-person-director-company-with-change-date
officers · CH01
2025-07-02
change-person-secretary-company-with-change-date
officers · CH03
2025-07-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-07-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-24
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-07-16
appoint-person-director-company-with-name-date
officers · AP01
2024-07-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-04
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-02-05