CHADWICKS LIMITED
💤Zombieactive
03292960 · ltd · incorporated 1996-12-16
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£407.7k
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 68-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (93/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 25.8y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 25.8 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
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
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (1 active, 4 linked, 1 with DOB)
75
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
83 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £407,702
Cash YoY
+70%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£307k
↑ 70% YoY
Net Worth
£408k
↑ 20% YoY
Current Assets
£450k
↑ 17% YoY
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 |
|---|---|---|
| Total assets | £424.3k | £369.9k |
| Current assets | £450.2k | £383.5k |
| Cash | £307.4k | £180.7k |
| Debtors | £142.8k | £202.9k |
| Net assets | £407.7k | £340.5k |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2025-11-04📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-04-07📄memorandum-articlesincorporation · MA
- 2025-03-25📄resolutionresolution · RESOLUTIONS
- 2025-03-25📄capital-alter-shares-subdivisioncapital · SH02
- 2025-03-19📄capital-allotment-sharescapital · SH01
- 2024-11-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-11-02📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-08-08📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-12-01📍move-registers-to-sail-company-with-new-addressaddress · AD03
- 2021-12-01📍change-sail-address-company-with-new-addressaddress · AD02
- 2021-09-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-12-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-12-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-12-29🔓Charge satisfied #2
- 2020-07-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-10-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-08-01📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2013-11-15➖ROSS, Yvonne Winifred resignedsecretary
- 2003-09-10🔓Charge satisfied #1
- 2002-09-16🔒Charge registered #2Lender: Barclays Bank PLC
- 2000-10-16🔒Charge registered #1Lender: Hsbc Bank PLC
- 1996-12-16🏢Company incorporatedAs CHADWICKS LIMITED
- 1996-12-16➕ROSS, Richard Nicholas Laurence appointeddirector
- 1996-12-16➕ROSS, Yvonne Winifred appointedsecretary
- 1996-12-16➕LONDON LAW SECRETARIAL LIMITED appointedcorporate-nominee-secretary
- 1996-12-16➖LONDON LAW SECRETARIAL LIMITED resignedcorporate-nominee-secretary
- 1996-12-16➕LONDON LAW SERVICES LIMITED appointedcorporate-nominee-director
- 1996-12-16➖LONDON LAW SERVICES LIMITED resignedcorporate-nominee-director
Owner dependency
100/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
95/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 30 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Richard Nicholas Laurence Ross Individual · British · DOB 02/1958 · age 68 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
Mrs Yvonne Winifred Ross Individual · British · DOB 08/1959 · age 67 | 25–50% | 25–50% | board control25-50% shares · 25-50% 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 · NR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ATOMIC 42 LTD→ 14183305 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AUDEO FS LIMITED→ 11140398 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BAURENCLY LTD→ 16568735 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BEECHWOOD IFA LTD→ 10307783 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BRANCASTER HOUSE FINANCIAL PLANNING LTD→ 13000271 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BUNN HOLDINGS LIMITED→ 11492090 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CAVAN→ 16862071 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CHADWICKS ENTERPRISE LIMITED→ 09788588 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CHADWICKS INVESTMENT MANAGEMENT LIMITED→ 12052167 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CHARLES-MAYO FINANCIAL ADVISERS LIMITED→ 14783064 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CHARLES-PATRICK FINANCIAL LTD→ 14013421 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CHARWIN PRIVATE CLIENTS LIMITED→ 06628612 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
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
Incorporated1996-12-16
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Wattle Cottage Mangreen
Swardeston
Norwich
NR14 8DD
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-12-15
Last: 2025-12-01
Officers (1 active · 3 resigned)
ROSS, Richard Nicholas Laurence→
Activedirector · ~68y · appointed 1996-12-16
View their other companies + combined net worth →
ROSS, Yvonne Winifred→
Resignedsecretary · appointed 1996-12-16 · resigned 2013-11-15
LONDON LAW SECRETARIAL LIMITED→
Resignedcorporate-nominee-secretary · appointed 1996-12-16 · resigned 1996-12-16
LONDON LAW SERVICES LIMITED→
Resignedcorporate-nominee-director · appointed 1996-12-16 · resigned 1996-12-16
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 16/09/2002 | 29/12/2020 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 16/10/2000 | 10/09/2003 |
Recent filings (83 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-01
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-11-04
memorandum-articles
incorporation · MA
2025-04-07
resolution
resolution · RESOLUTIONS
2025-03-25
capital-alter-shares-subdivision
capital · SH02
2025-03-25
capital-allotment-shares
capital · SH01
2025-03-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-11-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-11-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-08-08
move-registers-to-sail-company-with-new-address
address · AD03
2021-12-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-01
change-sail-address-company-with-new-address
address · AD02
2021-12-01