CV FINANCE LIMITED

🌳Matureactive
04177230 · ltd · incorporated 2001-03-12
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 71-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 71). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (76/100)

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
Confirmed no charges registered
85
Directors & officers
11 officers (2 active, 11 linked, 6 with DOB)
81
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
91 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-06-302024-06-30
Average employees2200

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
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
  1. 2026-03-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-03-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-03-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-03-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-03-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-03-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2021-03-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2021-03-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2020-02-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-10-18
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2019-03-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-03-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-03-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2018-03-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2018-03-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2015-04-30
    ➖
    LAMB, Mark Edward resigned
    secretary
  18. 2015-04-30
    ➖
    LAMB, Mark Edward resigned
    director
  19. 2005-03-31
    ➖
    DE VERE GOULD, Peter David resigned
    secretary
  20. 2005-03-31
    ➕
    LAMB, Mark Edward appointed
    secretary
  21. 2005-03-31
    ➖
    DE VERE GOULD, Peter David resigned
    director
  22. 2005-03-31
    ➕
    LAMB, Mark Edward appointed
    director
  23. 2004-03-15
    ➕
    WEBBER, Clive appointed
    director
  24. 2003-10-10
    ➖
    KENEALY, John Francis resigned
    director
  25. 2003-04-04
    ➖
    CURLEW, Simon resigned
    director
  26. 2003-03-26
    ➕
    MCCARTHY, Paul appointed
    director
  27. 2003-03-26
    ➕
    CURLEW, Simon appointed
    director
  28. 2001-04-27
    ➕
    DE VERE GOULD, Peter David appointed
    secretary
  29. 2001-04-27
    ➖
    SMITH, Grace Mclean resigned
    secretary
  30. 2001-03-12
    🏢
    Company incorporated
    As CV FINANCE LIMITED
  31. 2001-03-12
    ➕
    SMITH, Grace Mclean appointed
    secretary
  32. 2001-03-12
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  33. 2001-03-12
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  34. 2001-03-12
    ➕
    DE VERE GOULD, Peter David appointed
    director
  35. 2001-03-12
    ➕
    KENEALY, John Francis appointed
    director
  36. 2001-03-12
    ➕
    INSTANT COMPANIES LIMITED appointed
    corporate-nominee-director
  37. 2001-03-12
    ➖
    INSTANT COMPANIES LIMITED resigned
    corporate-nominee-director

Owner dependency

83/100
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 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

96/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • 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 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Clive Webber
Individual · British · DOB 06/1955 · age 71
25–50%
—25-50% shares06/04/2016
Mr Paul Mccarthy
Individual · British · DOB 06/1959 · age 67
25–50%
—25-50% shares06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2001-03-12
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Arlington House West Station Business Park
Spital Road
Maldon
Essex
CM9 6FF
England

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-03-25
Last: 2026-03-11

Officers (2 active · 9 resigned)

MCCARTHY, Paul→
director · ~67y · appointed 2003-03-26
View their other companies + combined net worth →
Active
WEBBER, Clive→
director · ~71y · appointed 2004-03-15
View their other companies + combined net worth →
Active
DE VERE GOULD, Peter David→
secretary · appointed 2001-04-27 · resigned 2005-03-31
Resigned
LAMB, Mark Edward→
secretary · appointed 2005-03-31 · resigned 2015-04-30
Resigned
SMITH, Grace Mclean→
secretary · appointed 2001-03-12 · resigned 2001-04-27
Resigned
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 2001-03-12 · resigned 2001-03-12
Resigned
CURLEW, Simon→
director · ~55y · appointed 2003-03-26 · resigned 2003-04-04
Resigned
DE VERE GOULD, Peter David→
director · ~84y · appointed 2001-03-12 · resigned 2005-03-31
Resigned
KENEALY, John Francis→
director · ~66y · appointed 2001-03-12 · resigned 2003-10-10
Resigned
LAMB, Mark Edward→
director · ~62y · appointed 2005-03-31 · resigned 2015-04-30
Resigned
INSTANT COMPANIES LIMITED→
corporate-nominee-director · appointed 2001-03-12 · resigned 2001-03-12
Resigned

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

Recent filings (91 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-03-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-03-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-03-15