J C I (NORTHWEST) LIMITED

💤Zombieactive
04497414 · ltd · incorporated 2002-07-29
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 Nov 2025
Net worth
£301.5k
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 77/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (65/100).

🏦

Refinance opportunity

1 live charge · oldest 23.6y

45/100
under pressure

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

  • · Oldest live charge is 23.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (77/100)

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
4 officers (1 active, 4 linked, 2 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
70 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
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £301,548
Cash YoY
-9%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£263k
↓ 8.7% YoY
Net Worth
£302k
↑ 17% YoY
Current Assets
£504k
↓ 13% YoY
Current Liabilities
—
£0£116k£231k£347k£463k£578kNov 2024Nov 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-11-302024-11-30
Total assets£303.8k£259.7k
Current assets£503.7k£578.2k
Cash£263.4k£288.6k
Debtors£240.3k£289.6k
Net assets£301.5k£256.8k

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-03-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-12
    📄
    memorandum-articles
    incorporation · MA
  3. 2025-03-11
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  4. 2025-03-10
    📄
    resolution
    resolution · RESOLUTIONS
  5. 2025-03-07
    📄
    capital-name-of-class-of-shares
    capital · SH08
  6. 2025-01-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-03-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-03-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-04-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-04-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-09-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2020-09-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2020-07-29
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2020-07-29
    🔓
    Charge satisfied #1
  15. 2020-06-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2019-10-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2019-04-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2018-08-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2013-07-30
    ➖
    SOUAIDI, Miriam Zohra resigned
    secretary
  20. 2004-07-07
    ➕
    SOUAIDI, Miriam Zohra appointed
    secretary
  21. 2004-06-30
    ➖
    DOVE, Anthony John resigned
    secretary
  22. 2004-06-30
    ➖
    DOVE, Anthony John resigned
    director
  23. 2002-12-10
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  24. 2002-07-29
    🏢
    Company incorporated
    As J C I (NORTHWEST) LIMITED
  25. 2002-07-29
    ➕
    CHADWICK, Gareth Andrew appointed
    director
  26. 2002-07-29
    ➕
    DOVE, Anthony John appointed
    secretary
  27. 2002-07-29
    ➕
    DOVE, Anthony John appointed
    director

Owner dependency

85/100
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
  • +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.

Succession & seller-readiness

75/100
Likely off-market candidate

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

SIGNALS
  • 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Gareth Andrew Chadwick
Individual · British · DOB 01/1979 · age 47
50–75%
50–75%board control50-75% shares · 50-75% voting · board control29/07/2016

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
Incorporated2002-07-29
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance

Registered office

Chadwick House
3 Market Place
Poulton-Le-Fylde
Lancashire
FY6 7AS
England

Filing status

Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2026-08-12
Last: 2025-07-29

Officers (1 active · 3 resigned)

CHADWICK, Gareth Andrew→
director · ~47y · appointed 2002-07-29
View their other companies + combined net worth →
Active
DOVE, Anthony John→
secretary · appointed 2002-07-29 · resigned 2004-06-30
Resigned
SOUAIDI, Miriam Zohra→
secretary · appointed 2004-07-07 · resigned 2013-07-30
Resigned
DOVE, Anthony John→
director · ~67y · appointed 2002-07-29 · resigned 2004-06-30
Resigned

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
TypeProperties
satisfied
HSBC
Hsbc Bank PLC
Debenture1 property10/12/200229/07/2020

Recent filings (70 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-16
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-01
memorandum-articles
incorporation · MA
2025-03-12
capital-variation-of-rights-attached-to-shares
capital · SH10
2025-03-11
resolution
resolution · RESOLUTIONS
2025-03-10
capital-name-of-class-of-shares
capital · SH08
2025-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-26