CRAVEN STREET FINANCIAL PLANNING LIMITED

🌳Matureactive

03852054 · ltd · incorporated 1999-10-01

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 5.4y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 79/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 5.4y

65/100

clean up first

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

· Oldest live charge is 5.4 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 28/100 — workable, but lender will want more DD.

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

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

26 officers (8 active, 26 linked, 21 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

12 connected companies via shared directors

Filing history

136 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

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

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	2024-12-31	2023-12-31
Average employees	8400	4800

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

🔒Filing-note intelligence

3 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
• 1 persons-with-significant-control

Last 180 days

filings

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

Counts from Companies House filing history.

Corporate timeline (67 events)Click to expand

2026-06-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-06-16
➕
LADWA, Raj appointed
director
2026-05-04
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2026-05-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-04-30
➕
O'SHEA, Nicholas David appointed
director
2026-04-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-04-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-04-28
➕
HAWKESLEY, Caroline Michelle appointed
director
2026-04-24
➕
RULE, Elizabeth Evelyn Jane appointed
director
2026-01-19
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-01-15
➖
MILL, Patrick John resigned
director
2026-01-01
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-12-24
➖
HARTNOLL, Tracy resigned
secretary
2025-12-17
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-25
📄
accounts-with-accounts-type-small
accounts · AA
2025-04-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-03-27
➕
MILL, Patrick John appointed
director
2025-03-27
➖
RITCHIE, Matthew Declan resigned
director
2025-03-27
➖
SINTON, Donald Scott resigned
director
2025-03-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-03-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-09-30
📄
accounts-with-accounts-type-small
accounts · AA
2023-09-29
📄
accounts-with-accounts-type-small
accounts · AA
2022-10-01
📄
change-person-director-company-with-change-date
officers · CH01
2022-10-01
📄
change-person-director-company-with-change-date
officers · CH01
2022-10-01
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-09-30
✏️
certificate-change-of-name-company
change-of-name · CERTNM
2022-08-12
📄
accounts-with-accounts-type-small
accounts · AA
2022-07-29
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2022-07-29
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-07-25
➕
IVAN, Patricia Oluwatosin, Dr appointed
director
2022-02-28
➖
HURST, David William resigned
director
2021-12-31
➖
PARSONS, Julia Claire resigned
director
2021-06-17
➕
HARTNOLL, Tracy appointed
secretary
2021-06-17
➖
PARSONS, Julia Claire resigned
secretary
2021-03-02
➕
APPAVOO, Soondra Moorthi appointed
director
2021-03-02
➖
FRIGHT, Nigel resigned
director
2021-03-02
➕
RITCHIE, Matthew Declan appointed
director
2021-03-02
➕
SINTON, Donald Scott appointed
director
2021-03-02
🔒
Charge registered #1
Lender: Shawbrook Bank Limited
2019-05-14
➖
STEVENS, Clive Robert resigned
director
2016-06-03
➖
WISE, Philip William resigned
director
2016-06-01
➕
WISE, Philip William appointed
director
2016-03-01
➕
FRIGHT, Nigel appointed
director
2013-08-09
➕
BARNETT, Thomas David appointed
director
2012-10-04
➖
REYNOLDS, Simon Anthony Paul resigned
director
2012-04-30
➖
CLAPTON, Eric resigned
director
2012-04-30
➖
CROWDER, Janet Pamela resigned
director
2010-06-21
➕
CLAPTON, Eric appointed
director
2010-06-21
➕
CROWDER, Janet Pamela appointed
director

Showing most recent 50 of 67 events

Owner dependency

58/100

Moderate — manageable with handover

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

FACTORS

-8 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

60/100

Strong succession signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
primary20+ year tenure: Director in role 23 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

1 med ·

2 director resignations in last 12 months

medium

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

Evidence: HARTNOLL, Tracy resigned 2025-12-24; MILL, Patrick John resigned 2026-01-15

Group structure

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

🏛️

Chaucer Newco Limited

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

ultimate parent

⬇

CRAVEN STREET FINANCIAL PLANNING LIMITED

This company · 03852054

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
Chaucer Newco Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	22/04/2022

1 historic (ceased) PSC

Reeves & Neylan Financial Services Ltdceased 22/04/2022· 75-100% shares · 75-100% voting

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 · CT postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
97 GROUP LIMITED→ 13156739 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
CHERRY TREE MANAGEMENT CONSULTANTS LTD→ 11811909 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
CJ MORTGAGES LTD→ 13587515 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
CR SECURITY SOLUTIONS LTD→ 16873135 · est 2025 · no financials extracted	—	—	—	—	—	—	—
DILEK & OZKAN ASSOCIATES LIMITED→ 11442421 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
DONNA BOWEY FINANCIAL CONSULTANCY LTD→ 11504376 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
DPP INVESTMENTS LIMITED→ 16951326 · est 2026 · no financials extracted	—	—	—	—	—	—	—
DRL CAPITAL LTD→ 15006188 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
F & F MORTGAGE SERVICES LIMITED→ 11919598 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
FEATHERS & FIGURES PARAPLANNING SERVICES LIMITED→ 16521307 · est 2025 · no financials extracted	—	—	—	—	—	—	—
FINAMPLY COMMERCIAL LIMITED→ 14730098 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
FINAMPLY MORTGAGES LIMITED→ 10785015 · est 2017 · no financials extracted	—	—	—	—	8y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

6 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

Incorporated1999-10-01

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Lawrence House Summer Hill

Harbledown

Canterbury

CT2 8GT

England

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-08-12

Last: 2025-07-29