CHANCERY HOUSE FINANCE LIMITED
🌳Matureactive
04941731 · ltd · incorporated 2003-10-23
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 6.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 73-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (93/100, director aged 73). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · oldest 6.7y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 6.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)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
10 officers (3 active, 10 linked, 5 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
81 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|
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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
- 2025-07-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-24📄capital-name-of-class-of-sharescapital · SH08
- 2021-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-06-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-06-07🔓Charge satisfied #2
- 2021-06-07🔓Charge satisfied #1
- 2020-12-21📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-21📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-21📄change-person-secretary-company-with-change-dateofficers · CH03
- 2020-12-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-11-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-11-19🔒Charge registered #2Lender: Lloyds Bank PLC
- 2019-10-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-10-07🔒Charge registered #1Lender: Lloyds Bank PLC
- 2018-12-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2009-04-01➕BRAYNE, Timothy Nicholas appointeddirector
- 2008-07-09➕FITZGERALD, Christopher Ronald appointedsecretary
- 2008-07-09➖SWANNACK, Ann Elizabeth resignedsecretary
- 2008-07-09➖SWANNACK, Jonathan resigneddirector
- 2006-10-22➖SWANNACK, Ann Elizabeth resigneddirector
- 2005-10-01➕FITZGERALD, Christopher Ronald appointeddirector
- 2005-03-16➖ADDICOTT, Peter John resignedsecretary
- 2005-03-16➕SWANNACK, Ann Elizabeth appointedsecretary
- 2005-03-16➖ADDICOTT, Peter John resigneddirector
- 2005-03-16➕SWANNACK, Ann Elizabeth appointeddirector
- 2003-10-23🏢Company incorporatedAs CHANCERY HOUSE FINANCE LIMITED
- 2003-10-23➕ADDICOTT, Peter John appointedsecretary
- 2003-10-23➕WATERLOW SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2003-10-23➖WATERLOW SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2003-10-23➕ADDICOTT, Peter John appointeddirector
- 2003-10-23➕SWANNACK, Jonathan appointeddirector
- 2003-10-23➕WATERLOW NOMINEES LIMITED appointedcorporate-nominee-director
- 2003-10-23➖WATERLOW NOMINEES LIMITED resignedcorporate-nominee-director
Owner dependency
83/100
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 73 — succession pressure is live.
Succession & seller-readiness
96/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 21 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Christopher Ronald Fitzgerald Individual · British · DOB 07/1953 · age 73 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 06/04/2016 |
Timothy Nicholas Brayne Individual · British · DOB 05/1956 · age 70 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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 · TA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CALLUNA ENTERPRISES LTD→ 07887084 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CENTURY WEALTH MANAGEMENT LTD→ 15434537 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| CLARK SHAW ASSOCIATES LIMITED→ 15118839 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CLP SAFETY & TRAINING LIMITED→ 07042776 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| COGENT PLANNING LTD→ 08703693 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| COGENT RESEARCH LTD→ 04955082 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| COLLIS FINANCIAL SERVICES LIMITED→ 08447457 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| COMMERCIAL MORTGAGE GROUP LIMITED→ 05845229 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| CONNECT & PROTECT LIMITED→ 06943790 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| COOKE FINANCIAL GROUP LIMITED→ 16723642 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| COOPER ASSOCIATES LIMITED→ 06760773 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| COOPER ASSOCIATES WEALTH MANAGEMENT LIMITED→ 06890675 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
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
Incorporated2003-10-23
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Pencarrow House
Crowcombe
Taunton
TA4 4AE
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-06
Last: 2025-10-23
Officers (3 active · 7 resigned)
FITZGERALD, Christopher Ronald→
Activesecretary · appointed 2008-07-09
View their other companies + combined net worth →
BRAYNE, Timothy Nicholas→
Activedirector · ~70y · appointed 2009-04-01
View their other companies + combined net worth →
FITZGERALD, Christopher Ronald→
Activedirector · ~73y · appointed 2005-10-01
View their other companies + combined net worth →
ADDICOTT, Peter John→
Resignedsecretary · appointed 2003-10-23 · resigned 2005-03-16
SWANNACK, Ann Elizabeth→
Resignedsecretary · appointed 2005-03-16 · resigned 2008-07-09
WATERLOW SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2003-10-23 · resigned 2003-10-23
ADDICOTT, Peter John→
Resigneddirector · ~85y · appointed 2003-10-23 · resigned 2005-03-16
SWANNACK, Ann Elizabeth→
Resigneddirector · ~66y · appointed 2005-03-16 · resigned 2006-10-22
SWANNACK, Jonathan→
Resigneddirector · ~72y · appointed 2003-10-23 · resigned 2008-07-09
WATERLOW NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 2003-10-23 · resigned 2003-10-23
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 19/11/2019 | 07/06/2021 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 07/10/2019 | 07/06/2021 |
Recent filings (81 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-15
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-23
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-21
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-17
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-03
capital-name-of-class-of-shares
capital · SH08
2022-08-24
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-27
mortgage-satisfy-charge-full
mortgage · MR04
2021-06-07
mortgage-satisfy-charge-full
mortgage · MR04
2021-06-07
change-person-director-company-with-change-date
officers · CH01
2020-12-21
change-person-director-company-with-change-date
officers · CH01
2020-12-21