COCKBURN LUCAS INDEPENDENT FINANCIAL CONSULTING LIMITED

🌳Matureactive

03365186 · ltd · incorporated 1997-05-02

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 18.3y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to May 2025

Net worth

—

book net assets

Opportunity

72/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

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 72/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 18.3y

70/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 18.3 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (83/100)

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

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

13 officers (6 active, 13 linked, 7 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

18 connected companies via shared directors

Filing history

111 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →

Opportunity Score

72/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review 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	2025-05-31	2024-05-31
Average employees	1800	1800

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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

• 4 officers
• 3 persons-with-significant-control
• 1 address

Last 180 days

filings

• 4 officers
• 3 persons-with-significant-control
• 1 address

Counts from Companies House filing history.

Corporate timeline (46 events)Click to expand

2026-03-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-03-12
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2026-03-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-03-12
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-12
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-03-12
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-03-12
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-09
➕
HESKETH, David John Philip appointed
secretary
2026-03-09
➕
HEPWORTH, Julie Suzanne appointed
director
2026-03-09
➕
HESKETH, David John Philip appointed
director
2026-03-09
➕
WILKINSON, Ian Mitcheal appointed
director
2026-03-09
📄
capital-allotment-shares
capital · SH01
2025-07-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-10
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-10
🔓
Charge satisfied #2
2025-01-31
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-01-31
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-08-08
📄
change-person-director-company-with-change-date
officers · CH01
2024-08-05
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-07-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-16
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-08-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-21
📄
memorandum-articles
incorporation · MA
2023-04-21
📄
resolution
resolution · RESOLUTIONS
2022-09-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2010-04-21
🔒
Charge registered #2
Lender: Lloyds Tsb Bank PLC
2010-03-12
🔓
Charge satisfied #1
2009-01-09
➖
SHELTON, David Charles resigned
secretary
2008-02-27
🔒
Charge registered #1
Lender: Kb Luxembourg (Monaco) Sam
2007-09-01
➖
TOWSEY, Peter resigned
director
2004-07-05
➕
SHAW, Walter Simeon Angus appointed
director
2003-09-01
➖
HORSEMAN, Kenneth Thomas resigned
director
2003-07-01
➖
HORSEMAN, Angela Jayne resigned
secretary
2003-07-01
➕
SHELTON, David Charles appointed
secretary
1997-07-18
➕
HORSEMAN, Kenneth Thomas appointed
director
1997-06-24
➕
HORSEMAN, Angela Jayne appointed
secretary
1997-06-24
➖
KIDD, Anthony John Eric resigned
secretary
1997-06-06
➕
HORSEMAN, Michael James appointed
director
1997-06-06
➕
TOWSEY, Peter appointed
director
1997-05-02
🏢
Company incorporated
As COCKBURN LUCAS INDEPENDENT FINANCIAL CONSULTING LIMITED
1997-05-02
➕
KIDD, Anthony John Eric appointed
secretary
1997-05-02
➕
LONDON LAW SECRETARIAL LIMITED appointed
corporate-nominee-secretary
1997-05-02
➖
LONDON LAW SECRETARIAL LIMITED resigned
corporate-nominee-secretary
1997-05-02
➕
LONDON LAW SERVICES LIMITED appointed
corporate-nominee-director
1997-05-02
➖
LONDON LAW SERVICES LIMITED resigned
corporate-nominee-director

Owner dependency

58/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

55/100

Strong succession signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.

Red flags

1 high · 1 low

Confirmation statement overdue

high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-05-16

Multiple registered office changes

low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Group structure

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

🏛️

Pfm Group Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

COCKBURN LUCAS INDEPENDENT FINANCIAL CONSULTING LIMITED

This company · 03365186

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%

Name	Shares	Voting rights	Nature of control	Notified
Pfm Group Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	09/03/2026

2 historic (ceased) PSCs

Mr Michael James Horsemanceased 09/03/2026· 50-75% shares · 50-75% voting · board control
Mr Walter Simeon Angus Shawceased 09/03/2026· 25-50% shares · 25-50% voting · board control

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

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Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
CHANCERY LAW (SOUTHPORT) LIMITED→ 08704866 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
CLEAR GLASS HOLDING LTD→ 17123478 · est 2026 · no financials extracted	—	—	—	—	—	—	—
CLEARVIEW WEALTH PLANNING LIMITED→ 16958112 · est 2026 · no financials extracted	—	—	—	—	—	—	—
CLIFTON NASH LIMITED→ 06995945 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
COUNTRYWIDE ASSURED TRUSTEE COMPANY LIMITED→ 03505360 · est 1998 · no financials extracted	—	—	—	—	28y	—	—
COUNTRYWIDE EQUITY RELEASE LIMITED→ 12827585 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
CPH FINANCIAL SERVICES LIMITED→ 11364251 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
CROSTON FINANCIAL SERVICES LIMITED→ 15348162 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
CROWN WEALTH MANAGEMENT LIMITED→ 05957611 · est 2006 · no financials extracted	—	—	—	—	19y	—	—
CROWNE FINANCIAL SOLUTIONS LTD→ 14234027 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
CWD INVESTMENTS LTD→ 14569796 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
DAH AGENTS LTD→ 15860303 · est 2024 · no financials extracted	—	—	—	—	1y	—	—

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

Incorporated1997-05-02

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Lancaster House Ackhurst Business Park

Foxhole Road

Chorley

PR7 1NY

England

Filing status

Accounts

Next due: 2027-02-28

Last made up to: 2025-05-31

Confirmation statement

Next due: 2026-05-16OVERDUE

Last: 2025-05-02