CATHEDRAL HOLDINGS LIMITED

🌳Matureactive

03973614 · ltd · incorporated 2000-04-14

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 Jul 2025

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

Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 79/100 (strong), bankability 67/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

14 live charges · 5 lenders · oldest 21.9y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 21.9 years old — likely at or near maturity.
· 5 lenders named — inter-creditor friction likely.
· Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (82/100)

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

14 charges (14/14 with lender, 14/14 with type)

Directors & officers

10 officers (3 active, 10 linked, 7 with DOB)

Ownership & PSC

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

Director network

11 connected companies via shared directors

Filing history

121 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	2025-07-31	2024-07-31
Average employees	200	100

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

• 1 confirmation-statement
• 1 accounts

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (63 events)Click to expand

2026-04-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-19
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-04-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-09
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-10-25
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-18
🔒
Charge registered #14
Lender: Handelsbanken PLC
2024-10-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-10-15
➕
CHAMBERS, Dominic appointed
director
2024-04-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-12
📄
mortgage-satisfy-charge-full
mortgage · MR04
2023-05-12
📄
mortgage-satisfy-charge-full
mortgage · MR04
2023-05-12
🔓
Charge satisfied #13
2023-05-12
🔓
Charge satisfied #11
2022-04-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-18
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2021-05-18
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-03-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-04
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-02-27
➖
DAVIES, Sarah resigned
director
2020-08-20
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-04-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-07-04
📄
change-person-director-company-with-change-date
officers · CH01
2017-10-13
🔒
Charge registered #13
Lender: Santander UK PLC
2017-02-01
🔓
Charge satisfied #12
2017-02-01
🔓
Charge satisfied #4
2013-11-22
🔒
Charge registered #12
Lender: Lloyds Bank PLC
2013-03-14
🔓
Charge satisfied #10
2012-01-12
🔒
Charge registered #11
Lender: Santander UK PLC
2011-11-19
🔓
Charge satisfied #9
2011-11-19
🔓
Charge satisfied #8
2011-11-19
🔓
Charge satisfied #7
2011-11-19
🔓
Charge satisfied #6
2011-11-19
🔓
Charge satisfied #5
2011-11-19
🔓
Charge satisfied #3
2011-11-19
🔓
Charge satisfied #2
2011-11-19
🔓
Charge satisfied #1
2009-12-30
➖
DAVIES, Phillip George resigned
director
2009-12-16
➕
DAVIES, Sarah appointed
director
2008-09-29
➖
SIDDALL, John Stephen resigned
director
2008-08-29
➕
SIDDALL, John Stephen appointed
director
2007-02-05
➖
BARNES, Michael Edwin resigned
director
2006-04-04
🔒
Charge registered #10
Lender: The Governor and Company of the Bank of Scotland
2006-04-04
🔒
Charge registered #9
Lender: The Governor and Company of the Bank of Scotland
2006-04-04
🔒
Charge registered #8
Lender: The Governor and Company of the Bank of Scotland
2006-04-04
🔒
Charge registered #7
Lender: The Governor and Company of the Bank of Scotland
2006-04-04
🔒
Charge registered #6
Lender: The Governor and Company of the Bank of Scotland
2006-04-04
🔒
Charge registered #5
Lender: The Governor and Company of the Bank of Scotland
2005-10-17
➕
BARNES, Michael Edwin appointed
director
2005-05-18
➖
BARNES, Michael Edwin resigned
director

Showing most recent 50 of 63 events

Owner dependency

91/100

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 26 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 71 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

46/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primaryFamily succession underway: Not a takeover target — CHAMBERS, Dominic (same surname) appointed 2024-10-15. Pattern consistent with intra-family handover.
primaryFounder aged 70+: Senior director is approximately 71 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 26 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 ·

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.

Group structure

Eba Finance Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Eba Finance Ltd

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

ultimate parent

⬇

CATHEDRAL HOLDINGS LIMITED

This company · 03973614

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
Eba Finance Ltd Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	27/02/2021

1 historic (ceased) PSC

Monument Assets Limitedceased 27/02/2021· 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 →

Similar companies

Active · Financial services · CM postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BEHUMAN.INVESTMENTS LTD→ 16586969 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BLACKSWANOBSIDIAN.INSURE LTD→ 16595503 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BLACKSWANOBSIDIAN.MORTGAGE LTD→ 16595295 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BROOM CONSULTANTS EOT LIMITED→ 14667877 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
BURBO LTD→ 16009038 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
C I (RISK MANAGEMENT SERVICES) LTD→ 04078246 · est 2000 · no financials extracted	—	—	—	—	25y	—	—
CARUSO (UK) LIMITED→ 04985501 · est 2003 · no financials extracted	—	—	—	—	22y	—	—
CASHFLOW TRADER LTD→ 15999665 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
CAVENDISH INVESTMENTS LIMITED→ 01658089 · est 1982 · no financials extracted	—	—	—	—	43y	—	—
CBC VENTURE SOLUTIONS LTD→ 16030692 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
CBHC TRUSTEES LIMITED→ 06927925 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
CBT CORPORATION LTD→ 15334673 · est 2023 · no financials extracted	—	—	—	—	2y	—	—

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

Incorporated2000-04-14

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

6a High Street

Chelmsford

CM1 1BE

England

Filing status

Accounts

Next due: 2027-04-30

Last made up to: 2025-07-31

Confirmation statement

Next due: 2027-04-28

Last: 2026-04-14

Officers (3 active · 7 resigned)

CHAMBERS, Anthony David→

secretary · appointed 2000-04-14

View their other companies + combined net worth →

Active

CHAMBERS, Anthony David→

director · ~71y · appointed 2000-04-14

View their other companies + combined net worth →

Active

CHAMBERS, Dominic→

director · ~39y · appointed 2024-10-15

View their other companies + combined net worth →

Active

HALLMARK SECRETARIES LIMITED→

corporate-nominee-secretary · appointed 2000-04-14 · resigned 2000-04-14

Resigned

BARNES, Michael Edwin→

director · ~69y · appointed 2005-10-17 · resigned 2007-02-05

Resigned

BARNES, Michael Edwin→

director · ~69y · appointed 2005-03-24 · resigned 2005-05-18

Resigned

DAVIES, Phillip George→

director · ~76y · appointed 2000-04-14 · resigned 2009-12-30

Resigned

DAVIES, Sarah→

director · ~50y · appointed 2009-12-16 · resigned 2021-02-27

Resigned

SIDDALL, John Stephen→

director · ~84y · appointed 2008-08-29 · resigned 2008-09-29

Resigned

HALLMARK REGISTRARS LIMITED→

corporate-nominee-director · appointed 2000-04-14 · resigned 2000-04-14

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:14 of 14 shown

		Type	Properties
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	1 property	18/10/2024	—
satisfied	Santander Santander UK PLC	A registered charge	1 property	13/10/2017	12/05/2023
satisfied	Lloyds Banking Group Lloyds Bank PLC	A registered charge	1 property	22/11/2013	01/02/2017
satisfied	Santander Santander UK PLC	Legal charge	2 properties	12/01/2012	12/05/2023
satisfied	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Legal charge	1 property	04/04/2006	14/03/2013
satisfied	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Legal charge	1 property	04/04/2006	19/11/2011
satisfied	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Legal charge	1 property	04/04/2006	19/11/2011
satisfied	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Legal charge	1 property	04/04/2006	19/11/2011
satisfied	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Legal charge	1 property	04/04/2006	19/11/2011
satisfied	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Legal charge	1 property	04/04/2006	19/11/2011
satisfied	Co-operative Bank The Co-Operative Bank PLC	Deed of assignment of rental income	1 property	30/07/2004	01/02/2017
satisfied	Co-operative Bank The Co-Operative Bank PLC	Deed of assignment of rental agreement	1 property	30/07/2004	19/11/2011
satisfied	Co-operative Bank The Co-Operative Bank PLC	Legal charge	1 property	30/07/2004	19/11/2011
satisfied	Co-operative Bank The Co-Operative Bank PLC	Legal charge	1 property	30/07/2004	19/11/2011

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (121 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-05-06

accounts-with-accounts-type-total-exemption-full

accounts · AA

2026-04-14

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2025-07-19

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-04-24

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-04-17

change-to-a-person-with-significant-control

persons-with-significant-control · PSC05

2025-04-09

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2024-10-25

appoint-person-director-company-with-name-date

officers · AP01

2024-10-16

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-04-29

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-04-17

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-07-19

mortgage-satisfy-charge-full

mortgage · MR04

2023-05-12

mortgage-satisfy-charge-full

mortgage · MR04

2023-05-12

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-04-25

confirmation-statement-with-updates

confirmation-statement · CS01

2022-05-16