CHARLES CAMERON AND ASSOCIATES LIMITED

🌳Matureactive
04966796 · ltd · incorporated 2003-11-17
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66220Activities of insurance agents and brokers
Investor take
Pursue
Active trading company with a 63-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (60/100, director aged 63). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 22.3y

35/100
too messy

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

  • · Oldest live charge is 22.3 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (60/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
12 officers (4 active, 12 linked, 9 with DOB)
85
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
90 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

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 (45 events)Click to expand
  1. 2025-09-24
    📄
    accounts-with-accounts-type-full
    accounts · AA
  2. 2024-10-07
    📄
    accounts-with-accounts-type-full
    accounts · AA
  3. 2024-07-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2024-07-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2024-05-23
    ➕
    MASTERTON, Graham Bruce appointed
    director
  6. 2024-05-21
    ➕
    AYLIFFE, Christine Elizabeth appointed
    director
  7. 2023-10-07
    📄
    accounts-with-accounts-type-full
    accounts · AA
  8. 2022-10-07
    📄
    accounts-with-accounts-type-full
    accounts · AA
  9. 2022-02-14
    📄
    accounts-with-accounts-type-small
    accounts · AA
  10. 2021-10-12
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  11. 2021-08-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2021-08-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  13. 2021-08-06
    🔓
    Charge satisfied #3
  14. 2021-08-06
    🔓
    Charge satisfied #2
  15. 2021-08-02
    ➖
    GASPARRO, David resigned
    director
  16. 2021-08-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2021-07-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2021-07-01
    ➖
    KNOTT, James resigned
    director
  19. 2021-01-20
    📄
    accounts-with-accounts-type-small
    accounts · AA
  20. 2020-03-30
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  21. 2020-03-27
    ➖
    CHETWOOD, Andrew Knightley resigned
    director
  22. 2020-03-27
    ➕
    GASPARRO, David appointed
    director
  23. 2020-03-27
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  24. 2020-01-24
    📄
    accounts-with-accounts-type-small
    accounts · AA
  25. 2019-11-22
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  26. 2019-11-19
    ➕
    KNOTT, James appointed
    director
  27. 2019-04-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  28. 2019-04-08
    ➕
    HILL, Jonathan Lee appointed
    director
  29. 2019-01-17
    ➕
    CHETWOOD, Andrew Knightley appointed
    director
  30. 2019-01-17
    ➖
    SMITH, Peter Frank resigned
    director
  31. 2019-01-17
    🔒
    Charge registered #3
    Lender: Aib Group (UK) PLC
  32. 2019-01-17
    🔒
    Charge registered #2
    Lender: Lonsdale Capital Partners LLP as Security Trustee for the Secured Parties
  33. 2018-11-22
    🔓
    Charge satisfied #1
  34. 2013-05-30
    ➖
    GARRETT, Geoffrey Willock resigned
    director
  35. 2009-11-10
    ➖
    SHAWS SECRETARIES LIMITED resigned
    corporate-secretary
  36. 2004-04-02
    🔒
    Charge registered #1
    Lender: Cannon Street Nominees No.3 Limited and Cannon Street Nominees No.4 Limited
  37. 2003-11-17
    🏢
    Company incorporated
    As CHARLES CAMERON AND ASSOCIATES LIMITED
  38. 2003-11-17
    ➕
    NIMMO, Simon Hall appointed
    director
  39. 2003-11-17
    ➕
    SHAWS SECRETARIES LIMITED appointed
    corporate-secretary
  40. 2003-11-17
    ➕
    TEMPLE SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  41. 2003-11-17
    ➖
    TEMPLE SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  42. 2003-11-17
    ➕
    GARRETT, Geoffrey Willock appointed
    director
  43. 2003-11-17
    ➕
    SMITH, Peter Frank appointed
    director
  44. 2003-11-17
    ➕
    COMPANY DIRECTORS LIMITED appointed
    corporate-nominee-director
  45. 2003-11-17
    ➖
    COMPANY DIRECTORS LIMITED resigned
    corporate-nominee-director

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.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

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 63. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 23 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 ·
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.

Group structure

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

🏛️
Cc Bidco Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
CHARLES CAMERON AND ASSOCIATES LIMITED
This company · 04966796

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%
NameSharesVoting rightsNature of controlNotified
Cc Bidco Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control17/01/2019
2 historic (ceased) PSCs
  • Mr Simon Hall Nimmoceased 17/01/2019· 25-50% shares · 25-50% voting
  • Mr Peter Frank Smithceased 17/01/2019· 25-50% shares · 25-50% voting

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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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2003-11-17
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Blackfriars Foundry, 154-156 Blackfriars Road
London
SE1 8EN
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-01
Last: 2025-11-17

Officers (4 active · 8 resigned)

AYLIFFE, Christine Elizabeth→
director · ~50y · appointed 2024-05-21
View their other companies + combined net worth →
Active
HILL, Jonathan Lee→
director · ~63y · appointed 2019-04-08
View their other companies + combined net worth →
Active
MASTERTON, Graham Bruce→
director · ~51y · appointed 2024-05-23
View their other companies + combined net worth →
Active
NIMMO, Simon Hall→
director · ~63y · appointed 2003-11-17
View their other companies + combined net worth →
Active
SHAWS SECRETARIES LIMITED→
corporate-secretary · appointed 2003-11-17 · resigned 2009-11-10
Resigned
TEMPLE SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2003-11-17 · resigned 2003-11-17
Resigned
CHETWOOD, Andrew Knightley→
director · ~39y · appointed 2019-01-17 · resigned 2020-03-27
Resigned
GARRETT, Geoffrey Willock→
director · ~52y · appointed 2003-11-17 · resigned 2013-05-30
Resigned
GASPARRO, David→
director · ~61y · appointed 2020-03-27 · resigned 2021-08-02
Resigned
KNOTT, James→
director · ~45y · appointed 2019-11-19 · resigned 2021-07-01
Resigned
SMITH, Peter Frank→
director · ~64y · appointed 2003-11-17 · resigned 2019-01-17
Resigned
COMPANY DIRECTORS LIMITED→
corporate-nominee-director · appointed 2003-11-17 · resigned 2003-11-17
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Aib Group (UK)
Aib Group (UK) PLC
A registered charge—17/01/201906/08/2021
satisfied
Lonsdale Capital Partners as Security Trustee for the Secured Parties
Lonsdale Capital Partners LLP as Security Trustee for the Secured Parties
A registered charge—17/01/201906/08/2021
satisfied
Cannon Street Nominees No.3 and Cannon Street Nominees No.4
Cannon Street Nominees No.3 Limited and Cannon Street Nominees No.4 Limited
Rent deposit deed1 property02/04/200422/11/2018

Recent filings (90 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-17
accounts-with-accounts-type-full
accounts · AA
2025-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-29
accounts-with-accounts-type-full
accounts · AA
2024-10-07
appoint-person-director-company-with-name-date
officers · AP01
2024-07-10
appoint-person-director-company-with-name-date
officers · AP01
2024-07-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-21
accounts-with-accounts-type-full
accounts · AA
2023-10-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-17
accounts-with-accounts-type-full
accounts · AA
2022-10-07
accounts-with-accounts-type-small
accounts · AA
2022-02-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-22
change-account-reference-date-company-current-shortened
accounts · AA01
2021-10-12
mortgage-satisfy-charge-full
mortgage · MR04
2021-08-06
mortgage-satisfy-charge-full
mortgage · MR04
2021-08-06