CAVENDISH ONLINE LIMITED
🌳Matureactive
04045709 · ltd · incorporated 2000-08-02
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 25.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with exceptional profile and bankable structure.
Opportunity 83/100 (exceptional), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 25.7y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 25.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (60/100)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
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
11 officers (4 active, 11 linked, 8 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
111 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 2 officers
Last 180 days
2
filings
- • 2 officers
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
- 2026-04-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-31➕LYONS, Katherine Anne appointeddirector
- 2026-03-31➖ST LOUIS, Rose Marie resigneddirector
- 2025-12-15📄capital-name-of-class-of-sharescapital · SH08
- 2025-12-15📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2025-12-15📄resolutionresolution · RESOLUTIONS
- 2025-12-15📄memorandum-articlesincorporation · MA
- 2025-06-26📄accounts-with-accounts-type-fullaccounts · AA
- 2024-12-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-12-20➕MESSENGER, Rachel Anne appointeddirector
- 2024-12-04📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-08-25📄accounts-with-accounts-type-fullaccounts · AA
- 2024-06-24📄capital-allotment-sharescapital · SH01
- 2024-06-22📄resolutionresolution · RESOLUTIONS
- 2024-06-07➖FLENK, Victoria resigneddirector
- 2024-06-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-02-08📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-07📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-02-06📍move-registers-to-sail-company-with-new-addressaddress · AD03
- 2024-02-06📍change-sail-address-company-with-new-addressaddress · AD02
- 2023-11-23📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2023-10-18📄accounts-with-accounts-type-fullaccounts · AA
- 2023-09-30📄memorandum-articlesincorporation · MA
- 2023-09-30📄resolutionresolution · RESOLUTIONS
- 2023-05-03➕FLENK, Victoria appointeddirector
- 2022-11-30➕DONALDSON, Graeme John appointedsecretary
- 2022-11-30➕ST LOUIS, Rose Marie appointeddirector
- 2022-11-30➖WILLIAMS, Ian resigneddirector
- 2019-07-26🔓Charge satisfied #1
- 2007-10-02➕NELMES, John Charles appointeddirector
- 2007-09-30➖LORD, Andrew John resignedsecretary
- 2007-09-30➖LORD, Andrew John resigneddirector
- 2007-09-30➖LORD, Julie resigneddirector
- 2000-10-12🔒Charge registered #1Lender: Leonard Manesseh
- 2000-08-02🏢Company incorporatedAs CAVENDISH ONLINE LIMITED
- 2000-08-02➕LORD, Andrew John appointedsecretary
- 2000-08-02➕SWIFT INCORPORATIONS LIMITED appointedcorporate-nominee-secretary
- 2000-08-02➖SWIFT INCORPORATIONS LIMITED resignedcorporate-nominee-secretary
- 2000-08-02➕LORD, Andrew John appointeddirector
- 2000-08-02➕LORD, Julie appointeddirector
- 2000-08-02➕WILLIAMS, Ian appointeddirector
Owner dependency
68/100
High — earn-out structure requiredMaterial 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 19 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
53/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondary12+ year tenure: Director in role 19 years.
- 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.)
Group structure
Lloyds Bank Insurance Services Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Lloyds Bank Insurance Services Limited
Corporate parent · holds 75-100% shares · board control
⬇
CAVENDISH ONLINE LIMITED
This company · 04045709
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 |
|---|---|---|---|---|
Lloyds Bank Insurance Services Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/11/2022 |
1 historic (ceased) PSC
- Mr Ian Williamsceased 30/11/2022· 50-75% 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.
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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
Incorporated2000-08-02
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
234 High Street
Exeter
EX4 3NL
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-21
Last: 2025-11-07
Officers (4 active · 7 resigned)
DONALDSON, Graeme John→
Activesecretary · appointed 2022-11-30
View their other companies + combined net worth →
LYONS, Katherine Anne→
Activedirector · ~45y · appointed 2026-03-31
View their other companies + combined net worth →
MESSENGER, Rachel Anne→
Activedirector · ~44y · appointed 2024-12-20
View their other companies + combined net worth →
NELMES, John Charles→
Activedirector · ~60y · appointed 2007-10-02
View their other companies + combined net worth →
LORD, Andrew John→
Resignedsecretary · appointed 2000-08-02 · resigned 2007-09-30
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 2000-08-02 · resigned 2000-08-02
FLENK, Victoria→
Resigneddirector · ~42y · appointed 2023-05-03 · resigned 2024-06-07
LORD, Andrew John→
Resigneddirector · ~64y · appointed 2000-08-02 · resigned 2007-09-30
LORD, Julie→
Resigneddirector · ~65y · appointed 2000-08-02 · resigned 2007-09-30
ST LOUIS, Rose Marie→
Resigneddirector · ~51y · appointed 2022-11-30 · resigned 2026-03-31
WILLIAMS, Ian→
Resigneddirector · ~61y · appointed 2000-08-02 · resigned 2022-11-30
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Leonard Manesseh | Rent deposit deed | 1 property | 12/10/2000 | 26/07/2019 |
Recent filings (111 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-04-13
termination-director-company-with-name-termination-date
officers · TM01
2026-04-13
capital-name-of-class-of-shares
capital · SH08
2025-12-15
capital-variation-of-rights-attached-to-shares
capital · SH10
2025-12-15
resolution
resolution · RESOLUTIONS
2025-12-15
memorandum-articles
incorporation · MA
2025-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-07
accounts-with-accounts-type-full
accounts · AA
2025-06-26
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-05
appoint-person-director-company-with-name-date
officers · AP01
2024-12-23
change-person-secretary-company-with-change-date
officers · CH03
2024-12-04
accounts-with-accounts-type-full
accounts · AA
2024-08-25
capital-allotment-shares
capital · SH01
2024-06-24
resolution
resolution · RESOLUTIONS
2024-06-22
termination-director-company-with-name-termination-date
officers · TM01
2024-06-07