COUNTRY AND COMMERCIAL FINANCE LIMITED

🌳Matureactive
05427942 · ltd · incorporated 2005-04-18
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
—
year to Jun 2025
Net worth
£438.2k
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
ALSO REGISTERED FOR
  • 66190Other activities auxiliary to financial services, except insurance and pension funding
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 58). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (79/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
61 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 · FRS 105 (micro)
Positive net assets
Net assets £438,227

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£438k
↑ 7.8% YoY
Current Assets
£403k
~ YoY
Current Liabilities
—
£0£88k£175k£263k£351k£438kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-06-302024-06-30
Total assets£438.2k£413.4k
Current assets£402.5k£402.9k
Net assets£438.2k£406.4k

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 (19 events)Click to expand
  1. 2025-12-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-12-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-04-18
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  4. 2024-01-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-03-17
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2023-01-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-01-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-01-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2020-04-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2020-03-05
    ➕
    JOHNSON, Katie Elizabeth appointed
    director
  11. 2020-01-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2018-12-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2018-02-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2018-01-12
    📄
    capital-allotment-shares
    capital · SH01
  15. 2017-01-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2016-04-19
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2005-04-18
    🏢
    Company incorporated
    As COUNTRY AND COMMERCIAL FINANCE LIMITED
  18. 2005-04-18
    ➕
    JOHNSON, Katie Elizabeth appointed
    secretary
  19. 2005-04-18
    ➕
    JOHNSON, Simon Mark appointed
    director

Owner dependency

84/100
Critical — business is the founder

The 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.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • 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 21 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Simon Mark Johnson
Individual · British · DOB 04/1968 · age 58
50–75%
—50-75% shares06/04/2016
Mrs Katie Elizabeth Johnson
Individual · British · DOB 11/1975 · age 51
25–50%
—25-50% shares06/04/2016

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 →

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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
Incorporated2005-04-18
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Grindon Villa
Thorpe Thewles
Stockton On Tees
TS21 3HY
United Kingdom

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-08-12
Last: 2025-07-29

Officers (3 active · 0 resigned)

JOHNSON, Katie Elizabeth→
secretary · appointed 2005-04-18
View their other companies + combined net worth →
Active
JOHNSON, Katie Elizabeth→
director · ~51y · appointed 2020-03-05
View their other companies + combined net worth →
Active
JOHNSON, Simon Mark→
director · ~58y · appointed 2005-04-18
View their other companies + combined net worth →
Active

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

Recent filings (61 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-08
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-03
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-25
change-sail-address-company-with-old-address-new-address
address · AD02
2024-04-18
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-03-17
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-25
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-06
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-01