CHIPPING SODBURY DEVELOPMENTS LIMITED

🌳Matureactive

04662202 · ltd · incorporated 2003-02-11

Investment thesis

Property vehicle with leveraged stack — refinance / partial-release angle.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Apr 2025

Net worth

£-133.7k

book net assets

Opportunity

69/100

Strong

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What this business does

Primary activity: Construction of domestic buildings

Sector: Construction

Investor take

Pass (distressed without resilience)

Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 69/100 (strong), bankability 57/100. Same-surname younger director in place — likely family handover, not open to sale. Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

12 live charges · 9 lenders · oldest 20.8y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 20.8 years old — likely at or near maturity.
· 9 lenders named — inter-creditor friction likely.
· Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (82/100)

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

12 charges (12/12 with lender, 12/12 with type)

Directors & officers

14 officers (5 active, 14 linked, 11 with DOB)

Ownership & PSC

1 active PSC(s) of 6 total, 6 with control declared

Director network

11 connected companies via shared directors

Filing history

115 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

69/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Negative net assets

Liabilities exceed assets by £133,697

Net assets shrinking

Down £194,919 YoY

Cash YoY

+374%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£10k

↑ 374% YoY

Net Worth

-£134k

↓ 318% YoY

Current Assets

£5.6m

↑ 121% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-04-30	2024-04-30
Total assets	£1.56M	£1.09M
Current assets	£5.57M	£2.52M
Cash	£9.7k	£2.0k
Debtors	£814.5k	£518.9k
Net assets	£-133.7k	£61.2k

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

filing

• 1 persons-with-significant-control

Last 180 days

filings

• 2 officers
• 1 persons-with-significant-control
• 1 mortgage

Counts from Companies House filing history.

Corporate timeline (64 events)Click to expand

2026-04-08
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2026-03-26
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-25
🔒
Charge registered #12
Lender: Sevcap I Limited
2026-02-16
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-02-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-01-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-18
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-17
🔒
Charge registered #11
Lender: Sevcap Ii LTD
2025-02-11
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-01-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-10
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-05-10
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-03
🔒
Charge registered #10
Lender: Spf Bridging LTD
2024-04-19
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-19
🔓
Charge satisfied #7
2024-03-27
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-27
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-27
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-03-27
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-27
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-20
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-17
🔒
Charge registered #9
Lender: Sevcap I Limited
2023-02-22
📄
change-person-director-company-with-change-date
officers · CH01
2023-02-22
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-02-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-22
🔒
Charge registered #8
Lender: Spf Bridging Limited
2022-04-19
🔓
Charge satisfied #3
2022-04-12
🔓
Charge satisfied #1
2022-04-11
🔓
Charge satisfied #5
2022-04-03
🔓
Charge satisfied #6
2022-04-03
🔓
Charge satisfied #4
2021-10-01
➕
WHITTINGHAM, Clare Louise appointed
director
2021-10-01
➕
WHITTINGHAM, Jack Demitri appointed
director
2021-10-01
➕
WHITTINGHAM, Molly Louise appointed
director
2021-10-01
➕
WHITTINGHAM, Molly Louise appointed
director
2021-10-01
➖
WHITTINGHAM, Molly Louise resigned
director
2021-09-10
🔒
Charge registered #7
Lender: Bricks Finance Limited of Offwell House, Offwell, Honiton, Devon, EX14 9SA
2019-12-10
➖
CURTIS, Richard John resigned
director
2016-03-01
➕
CURTIS, Richard John appointed
director
2015-01-12
🔒
Charge registered #6
Lender: Strata Residential LLP
2015-01-12
🔒
Charge registered #5
Lender: Close Brothers Limited
2015-01-12
🔒
Charge registered #4
Lender: Close Brothers Limited
2013-05-17
➖
CURTIS, Richard John resigned
director
2012-05-08
🔒
Charge registered #3
Lender: Aberdeen Enterprise Finance Limited
2011-11-16
➖
THOMPSON, Terence Brian resigned
director
2011-11-09
➕
CURTIS, Richard John appointed
director
2011-11-09
➕
THOMPSON, Terence Brian appointed
director
2011-02-01
➖
NICHOLSON, Freda resigned
director
2010-02-01
➖
NICHOLSON, Stephen resigned
director

Showing most recent 50 of 64 events

Owner dependency

58/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

20/100

No succession signal

No meaningful acquirability indicators from public data.

SIGNALS

primaryFamily succession underway: Not a takeover target — WHITTINGHAM, Clare Louise (same surname) appointed 2021-10-01. Pattern consistent with intra-family handover.
primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 23 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 · 2 low

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

5 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Multiple registered office changes

low

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

Group structure

Chipping Sodbury Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Chipping Sodbury Holdings Ltd

Corporate parent · holds 75-100% shares

ultimate parent

⬇

CHIPPING SODBURY DEVELOPMENTS LIMITED

This company · 04662202

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
Chipping Sodbury Holdings Ltd Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	01/03/2023

5 historic (ceased) PSCs

Mrs Clare Louise Whittinghamceased 01/03/2023· significant influence
Mr Jack Demitri Whittinghamceased 01/03/2023· significant influence
Miss Molly Louise Whittinghamceased 01/03/2023· significant influence
Mr Terry Lee Whittinghamceased 01/03/2023· significant influence
Mr Richard John Curtisceased 10/12/2019· 25-50% shares · 25-50% 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 →

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AEUK DC PROJECT II LTD→ 15400868 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
AEUK DC PROJECT III LTD→ 15400870 · est 2024 · no financials extracted	—	—	—	—	2y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2003-02-11

Jurisdictionengland-wales

Primary SIC41202 — Construction of domestic buildings

Registered office

37 St. Georges Road

Bristol

BS1 5UU

England

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2027-02-25

Last: 2026-02-11