CVS FINANCE LIMITED
🌳Matureactive
05188930 · ltd · incorporated 2004-07-26
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£21
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 69-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -99% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).
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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
10 officers (3 active, 10 linked, 6 with DOB)
82
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
17 connected companies via shared directors
90
Filing history
86 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £21
Net assets shrinking
Down £59,038 YoY
Cash draining
Cash down 99% YoY
Cash YoY
-99%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£667
↓ 99% YoY
Net Worth
£21
↓ 100% YoY
Current Assets
£41k
↓ 32% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £21 | £59.1k |
| Current assets | £41.1k | £60.0k |
| Cash | £667 | £59.7k |
| Debtors | £40.4k | £391 |
| Net assets | £21 | £59.1k |
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 (34 events)Click to expand
- 2026-03-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-06-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-06-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-25📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2021-01-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-01-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-11-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-27📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2020-05-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-11-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-06-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-06-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2014-07-01➖SHAH, Mukesh Zaverchand resigneddirector
- 2009-03-30➕MAKWANA, Pratibha appointedsecretary
- 2009-03-30➖SHAH, Mukesh Zaverchand resignedsecretary
- 2007-10-25➕SHAH, Anup Manilal appointeddirector
- 2004-12-06➖SHAH, Anup Manilal resigneddirector
- 2004-10-22➕PINKNEY, Lawrence Stanier appointeddirector
- 2004-10-22➕SHAH, Anup Manilal appointeddirector
- 2004-10-22➖SHAH, Rajan resigneddirector
- 2004-10-21➖SHAH, Gita resignedsecretary
- 2004-10-21➕SHAH, Mukesh Zaverchand appointedsecretary
- 2004-10-21➕SHAH, Mukesh Zaverchand appointeddirector
- 2004-08-24➕SHAH, Gita appointedsecretary
- 2004-08-24➖THOMAS, Howard resignednominee-secretary
- 2004-08-24➕SHAH, Rajan appointeddirector
- 2004-08-24➖TESTER, William Andrew Joseph resignednominee-director
- 2004-07-26🏢Company incorporatedAs CVS FINANCE LIMITED
- 2004-07-26➕THOMAS, Howard appointednominee-secretary
- 2004-07-26➕TESTER, William Andrew Joseph appointednominee-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 22 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 69 — succession pressure is live.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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.)
Group structure
Real Advisory Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Real Advisory Limited
Corporate parent · holds 75-100% shares
⬇
CVS FINANCE LIMITED
This company · 05188930
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 |
|---|---|---|---|---|
Real Advisory Limited Corporate entity | 75–100% | — | 75-100% shares | 01/06/2025 |
2 historic (ceased) PSCs
- Quattro Investments Limitedceased 01/06/2025· 75-100% shares
- Cvs Asset Management Limitedceased 01/07/2020· 75-100% shares
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 · AL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BERKELEY PRIVATE FINANCE LIMITED→ 04102267 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| CARTA EUROPE ADMINISTRATOR LIMITED→ 15281005 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CATAPULT MONEY LTD→ 16248521 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CHASE CAPITAL COMMERCIAL INVESTMENTS LIMITED→ 10746608 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CHASE CAPITAL DIGITAL CURRENCY LIMITED→ 16794881 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CHEVAL NOIR CAPITAL LIMITED→ 16315129 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CHURCHILL EMSWORTH ASSET FINANCE LIMITED→ 13545909 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| COLUMBUS SIXTY ONE LTD→ 15789892 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| COOMBES & WRIGHT MORTGAGE SOLUTIONS LIMITED→ 08885203 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| COPEDENE LIMITED→ 08773809 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| CROWN PAY LIMITED→ 16378443 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| DANIEL COBURN LIMITED→ 07780219 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
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
Incorporated2004-07-26
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Broad House
1 The Broadway
Old Hatfield
Hertfordshire
AL9 5BG
England
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-09-11
Last: 2025-08-28
Officers (3 active · 7 resigned)
Active
PINKNEY, Lawrence Stanier→
Activedirector · ~69y · appointed 2004-10-22
View their other companies + combined net worth →
SHAH, Anup Manilal→
Activedirector · ~63y · appointed 2007-10-25
View their other companies + combined net worth →
SHAH, Gita→
Resignedsecretary · appointed 2004-08-24 · resigned 2004-10-21
SHAH, Mukesh Zaverchand→
Resignedsecretary · appointed 2004-10-21 · resigned 2009-03-30
THOMAS, Howard→
Resignednominee-secretary · appointed 2004-07-26 · resigned 2004-08-24
SHAH, Anup Manilal→
Resigneddirector · ~63y · appointed 2004-10-22 · resigned 2004-12-06
SHAH, Mukesh Zaverchand→
Resigneddirector · ~66y · appointed 2004-10-21 · resigned 2014-07-01
SHAH, Rajan→
Resigneddirector · ~68y · appointed 2004-08-24 · resigned 2004-10-22
TESTER, William Andrew Joseph→
Resignednominee-director · ~64y · appointed 2004-07-26 · resigned 2004-08-24
Click a director name to see their full track record across all companies.
Recent filings (86 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-25
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-30
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-06-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-06-18
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-03
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2021-01-25
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2021-01-21
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-01-21