CHILTERN CONSULTANCY LIMITED

🌳Matureactive

04580636 · ltd · incorporated 2002-11-04

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 22.2y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

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 66-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (73/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 22.2y

70/100

ready

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

· Oldest live charge is 22.2 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (84/100)

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

12 officers (5 active, 12 linked, 9 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

22 connected companies via shared directors

Filing history

104 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

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

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-12-31	2023-12-31
Average employees	2000	2000

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

filings

Last 90 days

filings

Last 180 days

filings

• 5 officers
• 3 persons-with-significant-control
• 1 address

Counts from Companies House filing history.

Corporate timeline (43 events)Click to expand

2026-01-14
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-01-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-12-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-12-22
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-22
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-12-22
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-22
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-22
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-12-12
➕
HEPWORTH, Julie Suzanne appointed
director
2025-12-12
➕
HESKETH, David John Philip appointed
director
2025-12-12
➕
WILKINSON, Ian Mitcheal appointed
director
2025-12-12
➖
CLARKE, Shaun David resigned
director
2025-12-12
➖
THOMPSON, Frank William resigned
director
2025-07-29
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-29
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-02-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-06
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-08-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-27
📄
memorandum-articles
incorporation · MA
2019-11-27
📄
resolution
resolution · RESOLUTIONS
2018-02-09
🔓
Charge satisfied #2
2018-02-09
🔓
Charge satisfied #1
2017-09-14
➕
THOMPSON, Frank William appointed
director
2015-05-01
➕
DICKSON, Angela appointed
director
2013-12-24
➖
PAGE, Brian Christopher resigned
secretary
2013-12-24
➖
PAGE, Brian Christopher resigned
director
2010-03-31
➖
BLACKMORE, Mark Adam resigned
director
2009-12-17
🔒
Charge registered #2
Lender: National Westminster Bank PLC
2009-07-01
➕
BLACKMORE, Mark Adam appointed
director
2009-07-01
➕
CLARKE, Shaun David appointed
director
2004-04-05
🔒
Charge registered #1
Lender: Ems (High Wycombe) Limited
2002-11-04
🏢
Company incorporated
As CHILTERN CONSULTANCY LIMITED
2002-11-04
➕
FOSTER, Michael Sydney appointed
director
2002-11-04
➕
PAGE, Brian Christopher appointed
secretary
2002-11-04
➕
WATERLOW SECRETARIES LIMITED appointed
corporate-nominee-secretary
2002-11-04
➖
WATERLOW SECRETARIES LIMITED resigned
corporate-nominee-secretary
2002-11-04
➕
PAGE, Brian Christopher appointed
director
2002-11-04
➕
WATERLOW NOMINEES LIMITED appointed
corporate-nominee-director
2002-11-04
➖
WATERLOW NOMINEES LIMITED resigned
corporate-nominee-director

Owner dependency

65/100

High — earn-out structure required

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

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 66 — succession pressure is live.

Succession & seller-readiness

70/100

Strong succession signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

2 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: CLARKE, Shaun David resigned 2025-12-12; THOMPSON, Frank William resigned 2025-12-12

Group structure

Pfm Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Pfm Group Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

CHILTERN CONSULTANCY LIMITED

This company · 04580636

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Pfm Group Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	12/12/2025

2 historic (ceased) PSCs

Mrs Susannah Louise Fosterceased 12/12/2025· 25-50% shares · 25-50% voting
Mr Michael Sydney Fosterceased 12/12/2025· 50-75% shares · 50-75% voting · board control

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 · PR postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
CHANCERY LAW (SOUTHPORT) LIMITED→ 08704866 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
CLEAR GLASS HOLDING LTD→ 17123478 · est 2026 · no financials extracted	—	—	—	—	—	—	—
CLEARVIEW WEALTH PLANNING LIMITED→ 16958112 · est 2026 · no financials extracted	—	—	—	—	—	—	—
CLIFTON NASH LIMITED→ 06995945 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
COUNTRYWIDE EQUITY RELEASE LIMITED→ 12827585 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
CROWN WEALTH MANAGEMENT LIMITED→ 05957611 · est 2006 · no financials extracted	—	—	—	—	19y	—	—
CROWNE FINANCIAL SOLUTIONS LTD→ 14234027 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
CWD INVESTMENTS LTD→ 14569796 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
DAVID TOLSON PARTNERSHIP EOT LIMITED→ 16709890 · est 2025 · no financials extracted	—	—	—	—	—	—	—
DC FINANCIAL SERVICES LIMITED→ 10004401 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
DEWHURST INVESTMENTS LTD→ 09009334 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
DIGITAL BULL TRADING LIMITED→ 15685580 · est 2024 · no financials extracted	—	—	—	—	1y	—	—

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

Incorporated2002-11-04

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Lancaster House Ackhurst Business Park

Foxhole Road

Chorley

PR7 1NY

England

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-11-18

Last: 2025-11-04