CIGNPOST ADVISED LIMITED

🌳Matureactive
04296341 · ltd · incorporated 2001-10-01
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 23.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
—
book net assets
Opportunity
77/100
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 with a 68-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 23.0y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 23.0 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

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
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
14 officers (2 active, 14 linked, 9 with DOB)
83
Ownership & PSC
1 active PSC(s) of 6 total, 6 with control declared
90
Director network
19 connected companies via shared directors
90
Filing history
150 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
74
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
—
£0£0£0£0£0£0Jul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-07-312024-07-31
Average employees100200

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
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (49 events)Click to expand
  1. 2026-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-10-03
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  3. 2025-05-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-05-23
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC03
  5. 2025-05-23
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  6. 2025-05-23
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  7. 2025-02-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2024-12-12
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  9. 2024-11-27
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  10. 2024-07-08
    📄
    accounts-with-accounts-type-small
    accounts · AA
  11. 2024-03-25
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  12. 2023-04-05
    📄
    accounts-with-accounts-type-small
    accounts · AA
  13. 2022-07-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2022-06-07
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2022-06-06
    ➖
    HALL, Colin resigned
    director
  16. 2022-01-06
    📄
    accounts-with-accounts-type-small
    accounts · AA
  17. 2021-12-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  18. 2021-07-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2021-06-26
    📄
    accounts-with-accounts-type-small
    accounts · AA
  20. 2021-03-15
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  21. 2020-07-08
    ➕
    BASCOMBE, Andrew Max appointed
    director
  22. 2020-05-04
    🔒
    Charge registered #2
    Lender: National Westminster Bank PLC
  23. 2020-01-08
    ➖
    FOODY, Paul resigned
    director
  24. 2018-07-11
    ➕
    FOODY, Paul appointed
    director
  25. 2018-07-11
    ➕
    HALL, Colin appointed
    director
  26. 2017-09-19
    🔓
    Charge satisfied #1
  27. 2014-12-15
    ➕
    WHATLEY, Steve Dennis appointed
    director
  28. 2014-12-15
    ➖
    EVERETT, Robert William resigned
    director
  29. 2012-09-05
    ➖
    COWAN, John resigned
    director
  30. 2011-12-31
    ➖
    D'COSTA, Jon resigned
    director
  31. 2010-11-04
    ➖
    NEVILLE, Michelle Anne resigned
    secretary
  32. 2010-07-01
    ➖
    BASCOMBE, Kim David resigned
    director
  33. 2008-03-01
    ➕
    COWAN, John appointed
    director
  34. 2008-03-01
    ➕
    D'COSTA, Jon appointed
    director
  35. 2008-02-04
    ➖
    WADE, Martin Paul resigned
    director
  36. 2007-10-01
    ➖
    BASCOMBE, Kim David resigned
    secretary
  37. 2007-10-01
    ➕
    NEVILLE, Michelle Anne appointed
    secretary
  38. 2004-10-19
    ➕
    WADE, Martin Paul appointed
    director
  39. 2003-05-08
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  40. 2002-06-28
    ➕
    BASCOMBE, Kim David appointed
    director
  41. 2002-04-09
    ➕
    BASCOMBE, Kim David appointed
    secretary
  42. 2001-11-10
    ➖
    WOODCOCK, James William resigned
    secretary
  43. 2001-10-01
    🏢
    Company incorporated
    As CIGNPOST ADVISED LIMITED
  44. 2001-10-01
    ➕
    WOODCOCK, James William appointed
    secretary
  45. 2001-10-01
    ➕
    LONDON LAW SECRETARIAL LIMITED appointed
    corporate-nominee-secretary
  46. 2001-10-01
    ➖
    LONDON LAW SECRETARIAL LIMITED resigned
    corporate-nominee-secretary
  47. 2001-10-01
    ➕
    EVERETT, Robert William appointed
    director
  48. 2001-10-01
    ➕
    LONDON LAW SERVICES LIMITED appointed
    corporate-nominee-director
  49. 2001-10-01
    ➖
    LONDON LAW SERVICES LIMITED resigned
    corporate-nominee-director

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

71/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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

1 med · 1 low
Name changed recently
medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2024-11-27: certificate-change-of-name-company

Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Cignpost Group Limited
Individual
75–100%
75–100%75-100% shares · 75-100% voting20/05/2025
5 historic (ceased) PSCs
  • Emerald (Inchora) Limitedceased 20/05/2025· 75-100% shares
  • Inchora Limitedceased 20/03/2020· 75-100% shares
  • Inchora Money Limitedceased 20/03/2020· 75-100% voting · board control
  • Inchora Money Ltdceased 17/10/2018· 75-100% voting · board control · significant influence · trust interest
  • Inchora Limitedceased 31/03/2017· 75-100% shares · 75-100% voting · board control · significant influence · firm interest

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

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
Incorporated2001-10-01
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

The Stables
Peper Harow
Godalming
GU8 6BQ
United Kingdom

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-10-15
Last: 2025-10-01

Officers (2 active · 12 resigned)

BASCOMBE, Andrew Max→
director · ~68y · appointed 2020-07-08
View their other companies + combined net worth →
Active
WHATLEY, Steve Dennis→
director · ~65y · appointed 2014-12-15
View their other companies + combined net worth →
Active
BASCOMBE, Kim David→
secretary · appointed 2002-04-09 · resigned 2007-10-01
Resigned
NEVILLE, Michelle Anne→
secretary · appointed 2007-10-01 · resigned 2010-11-04
Resigned
WOODCOCK, James William→
secretary · appointed 2001-10-01 · resigned 2001-11-10
Resigned
LONDON LAW SECRETARIAL LIMITED→
corporate-nominee-secretary · appointed 2001-10-01 · resigned 2001-10-01
Resigned
BASCOMBE, Kim David→
director · ~63y · appointed 2002-06-28 · resigned 2010-07-01
Resigned
COWAN, John→
director · ~79y · appointed 2008-03-01 · resigned 2012-09-05
Resigned
D'COSTA, Jon→
director · ~68y · appointed 2008-03-01 · resigned 2011-12-31
Resigned
EVERETT, Robert William→
director · ~63y · appointed 2001-10-01 · resigned 2014-12-15
Resigned
FOODY, Paul→
director · ~47y · appointed 2018-07-11 · resigned 2020-01-08
Resigned
HALL, Colin→
director · ~56y · appointed 2018-07-11 · resigned 2022-06-06
Resigned
WADE, Martin Paul→
director · ~56y · appointed 2004-10-19 · resigned 2008-02-04
Resigned
LONDON LAW SERVICES LIMITED→
corporate-nominee-director · appointed 2001-10-01 · resigned 2001-10-01
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge—04/05/2020—
satisfied
HSBC
Hsbc Bank PLC
Debenture1 property08/05/200319/09/2017
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (150 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-30
change-sail-address-company-with-old-address-new-address
address · AD02
2025-10-03
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-27
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC03
2025-05-23
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-05-23
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-05-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-12
change-account-reference-date-company-previous-extended
accounts · AA01
2024-12-12
certificate-change-of-name-company
change-of-name · CERTNM
2024-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-14
accounts-with-accounts-type-small
accounts · AA
2024-07-08
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-12
accounts-with-accounts-type-small
accounts · AA
2023-04-05