CHANCERY FINANCIAL LIMITED

🌳Matureactive
04243977 · ltd · incorporated 2001-06-29
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
—
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Turnover
—
year to Mar 2025
Net worth
£40.5k
book net assets
Opportunity
73/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Special-situation opportunity
Distressed financial-services with salvageable qualities — special-situations priority.

Opportunity 73/100 (strong), bankability 70/100. Strong seller-intent signal (78/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -83% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 24.7y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 24.7 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (79/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
69 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £40,506
Net assets shrinking
Down £18,624 YoY
Cash draining
Cash down 83% YoY
Cash YoY
-83%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£373
↓ 83% YoY
Net Worth
£41k
↓ 31% YoY
Current Assets
£43k
↓ 30% YoY
Current Liabilities
—
£0£12k£25k£37k£49k£62kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£40.5k£59.1k
Current assets£43.1k£61.7k
Cash£373£2.2k
Debtors£42.7k£59.5k
Net assets£40.5k£59.1k

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
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
  • • 1 officers
  • • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-02-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-02-03
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-11-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-12-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-01-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-12-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-12-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2017-07-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  13. 2017-07-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  14. 2016-12-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-10-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2016-07-18
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2010-10-28
    ➖
    MULLANE, Christopher resigned
    director
  18. 2003-12-01
    ➕
    WILLS, Steven appointed
    director
  19. 2001-10-23
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  20. 2001-06-29
    🏢
    Company incorporated
    As CHANCERY FINANCIAL LIMITED
  21. 2001-06-29
    ➕
    WARD, Andrew appointed
    secretary
  22. 2001-06-29
    ➕
    WARD, Andrew appointed
    director
  23. 2001-06-29
    ➕
    LONDON LAW SECRETARIAL LIMITED appointed
    corporate-nominee-secretary
  24. 2001-06-29
    ➖
    LONDON LAW SECRETARIAL LIMITED resigned
    corporate-nominee-secretary
  25. 2001-06-29
    ➕
    MULLANE, Christopher appointed
    director
  26. 2001-06-29
    ➕
    LONDON LAW SERVICES LIMITED appointed
    corporate-nominee-director
  27. 2001-06-29
    ➖
    LONDON LAW SERVICES 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 25 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

81/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 25 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.

Red flags

1 high ·
Confirmation statement overdue
high

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

Evidence: Next due: 2026-07-13

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Andrew Ward
Individual · British · DOB 01/1966 · age 60
25–50%
25–50%25-50% shares · 25-50% voting30/06/2016
Mr Steven Wills
Individual · British · DOB 10/1961 · age 65
25–50%
25–50%25-50% shares · 25-50% voting30/06/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2001-06-29
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

The White House
2a Sevenoaks Road
Borough Green
Kent
TN15 8BB
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-13OVERDUE
Last: 2025-06-29

Officers (3 active · 3 resigned)

WARD, Andrew→
secretary · appointed 2001-06-29
View their other companies + combined net worth →
Active
WARD, Andrew→
director · ~60y · appointed 2001-06-29
View their other companies + combined net worth →
Active
WILLS, Steven→
director · ~65y · appointed 2003-12-01
View their other companies + combined net worth →
Active
LONDON LAW SECRETARIAL LIMITED→
corporate-nominee-secretary · appointed 2001-06-29 · resigned 2001-06-29
Resigned
MULLANE, Christopher→
director · ~60y · appointed 2001-06-29 · resigned 2010-10-28
Resigned
LONDON LAW SERVICES LIMITED→
corporate-nominee-director · appointed 2001-06-29 · resigned 2001-06-29
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
HSBC
Hsbc Bank PLC
Debenture1 property23/10/2001—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (69 total)

change-person-director-company-with-change-date
officers · CH01
2026-02-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-23