COMMERCIAL PROCESSING CENTRE LIMITED

🌳Matureactive
05840701 · ltd · incorporated 2006-06-08
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 Mar 2025
Net worth
£1.31M
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 61-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 61). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 16.0y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 16.0 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

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, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
60 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.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £1,314,123
Cash YoY
-19%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£489k
↓ 19% YoY
Net Worth
£1.3m
↑ 4.4% YoY
Current Assets
£1.5m
↓ 6.5% YoY
Current Liabilities
—
£0£317k£633k£950k£1.3m£1.6mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£1.31M£1.26M
Current assets£1.48M£1.58M
Cash£489.2k£605.9k
Debtors£946.5k£925.1k
Net assets£1.31M£1.26M

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
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2026-04-08
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  2. 2026-04-08
    🔓
    Charge satisfied #1
  3. 2025-10-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-07-11
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  5. 2024-08-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-05-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-08-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-05-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-07-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-07-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-06-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2017-09-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2017-09-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2017-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2016-09-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2016-09-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2010-06-24
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  18. 2006-06-08
    🏢
    Company incorporated
    As COMMERCIAL PROCESSING CENTRE LIMITED
  19. 2006-06-08
    ➕
    GRIGGS, Julie appointed
    secretary
  20. 2006-06-08
    ➕
    GRIGGS, Julie appointed
    director
  21. 2006-06-08
    ➕
    GRIGGS, Karl Anthony appointed
    director
  22. 2006-06-08
    ➕
    WATERLOW SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  23. 2006-06-08
    ➖
    WATERLOW SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  24. 2006-06-08
    ➕
    WATERLOW NOMINEES LIMITED appointed
    corporate-nominee-director
  25. 2006-06-08
    ➖
    WATERLOW NOMINEES LIMITED resigned
    corporate-nominee-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 20 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 61 — 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 61. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 20 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mrs Julie Griggs
Individual · British · DOB 11/1965 · age 61
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
Incorporated2006-06-08
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

4 Chandlers Mews Hampton Mews
191-195 Sparrows Herne
Bushey
WD23 1FL
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-06-04
Last: 2026-05-21

Officers (3 active · 2 resigned)

GRIGGS, Julie→
secretary · appointed 2006-06-08
View their other companies + combined net worth →
Active
GRIGGS, Julie→
director · ~61y · appointed 2006-06-08
View their other companies + combined net worth →
Active
GRIGGS, Karl Anthony→
director · ~58y · appointed 2006-06-08
View their other companies + combined net worth →
Active
WATERLOW SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2006-06-08 · resigned 2006-06-08
Resigned
WATERLOW NOMINEES LIMITED→
corporate-nominee-director · appointed 2006-06-08 · resigned 2006-06-08
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
National Westminster Bank
National Westminster Bank PLC
Debenture1 property24/06/201008/04/2026

Recent filings (60 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-21
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-11
change-sail-address-company-with-old-address-new-address
address · AD02
2025-07-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-18