CHESHIRE LIFESTYLE FINANCIAL PLANNING LIMITED
💤Zombieactive
04369890 · ltd · incorporated 2002-02-08
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
£66.2k
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with exceptional profile and bankable structure.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 59). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 10.8y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 10.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
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
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £66,198
Net assets shrinking
Down £81,136 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£66k
↓ 55% YoY
Current Assets
£299k
↑ 4.4% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-02-28 | 2024-02-28 |
|---|---|---|
| Total assets | £746.3k | £965.0k |
| Current assets | £299.2k | £286.5k |
| Net assets | £66.2k | £147.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2025-11-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-29📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2023-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-20📄change-person-director-company-with-change-dateofficers · CH01
- 2023-11-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-02📄accounts-amended-with-accounts-type-micro-entityaccounts · AAMD
- 2021-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-02-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-12-30🔓Charge satisfied #1
- 2019-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2015-09-21🔒Charge registered #1Lender: Metro Bank PLC
- 2008-03-06➕COMPANY SECRETARIES (CHESTER) LTD appointedcorporate-secretary
- 2008-03-06➖HUGHES, Justine Victoria resignedsecretary
- 2002-02-08🏢Company incorporatedAs CHESHIRE LIFESTYLE FINANCIAL PLANNING LIMITED
- 2002-02-08➕HUGHES, Richard Kenneth appointeddirector
- 2002-02-08➕HUGHES, Justine Victoria appointedsecretary
- 2002-02-08➕NORTH WEST REGISTRATION SERVICES (1994) LIMITED appointedcorporate-nominee-secretary
- 2002-02-08➖NORTH WEST REGISTRATION SERVICES (1994) LIMITED resignedcorporate-nominee-secretary
- 2002-02-08➕AVIS, Christine Susan appointednominee-director
- 2002-02-08➖AVIS, Christine Susan resignednominee-director
Owner dependency
93/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
85/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 24 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Richard Kenneth Hughes Individual · British · DOB 11/1967 · age 59 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 08/02/2017 |
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 · CH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BRIDGING QUICKLY LIMITED→ 13014051 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BROOKDALE IFP LIMITED→ 07954757 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| BROOM INVESTMENT SOLUTIONS LTD→ 09189511 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| BUSINESS FINANCE HOUSE LIMITED→ 12777443 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CALLIDA FINANCE GROUP LTD→ 13920361 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CAN DO PAYMENTS LTD→ 11701057 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CARTWRIGHT FIC LIMITED→ 15266328 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CASHIN GREEN COMMERCIAL SERVICES LTD→ 16123332 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CESTRIAN FINANCIAL PLANNING SERVICES LIMITED→ 01471193 · est 1980 · no financials extracted | — | — | — | — | 46y | — | — |
| CHESTER FINANCIAL WEALTH MANAGEMENT LIMITED→ 07469633 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| CHESTERTON GRANT FINANCIAL SOLUTIONS LIMITED→ 13465561 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CHESTERTON GRANT MORTGAGES LTD.→ 04232613 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
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
Incorporated2002-02-08
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
C/O Bradshaws Ltd 2 Well House Barns, Chester Road
Bretton
Chester
CH4 0DH
Wales
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-03-04
Last: 2026-02-18
Officers (2 active · 3 resigned)
COMPANY SECRETARIES (CHESTER) LTD→
Activecorporate-secretary · appointed 2008-03-06
View their other companies + combined net worth →
HUGHES, Richard Kenneth→
Activedirector · ~59y · appointed 2002-02-08
View their other companies + combined net worth →
HUGHES, Justine Victoria→
Resignedsecretary · appointed 2002-02-08 · resigned 2008-03-06
NORTH WEST REGISTRATION SERVICES (1994) LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-02-08 · resigned 2002-02-08
AVIS, Christine Susan→
Resignednominee-director · ~62y · appointed 2002-02-08 · resigned 2002-02-08
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 | Metro Bank Metro Bank PLC | A registered charge | 1 property | 21/09/2015 | 30/12/2019 |
Recent filings (67 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-19
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-29
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2024-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-04
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-30
change-person-director-company-with-change-date
officers · CH01
2023-11-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-11-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-08
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-02
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2022-03-02
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-30