CJP FINANCIAL SERVICES LIMITED
Opportunity 75/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £130.5k | £40.2k |
| Current assets | £100.8k | £70.2k |
| Cash | £95.2k | £65.7k |
| Debtors | £5.6k | £4.5k |
| Net assets | £121.0k | £28.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
Corporate timeline (27 events)Click to expand
- 2025-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-11📄capital-allotment-sharescapital · SH01
- 2022-02-11📄second-filing-capital-allotment-sharescapital · RP04SH01
- 2022-02-08📄second-filing-capital-allotment-sharescapital · RP04SH01
- 2022-02-07📄second-filing-capital-allotment-sharescapital · RP04SH01
- 2022-02-07📄second-filing-capital-allotment-sharescapital · RP04SH01
- 2022-02-07📄second-filing-capital-allotment-sharescapital · RP04SH01
- 2022-02-07📄second-filing-capital-allotment-sharescapital · RP04SH01
- 2022-02-04📄capital-allotment-sharescapital · SH01
- 2022-02-04📄capital-allotment-sharescapital · SH01
- 2022-02-04📄capital-allotment-sharescapital · SH01
- 2022-02-04📄capital-allotment-sharescapital · SH01
- 2022-02-04📄capital-allotment-sharescapital · SH01
- 2022-02-04📄capital-allotment-sharescapital · SH01
- 2022-02-04📄capital-allotment-sharescapital · SH01
- 2022-02-04📄capital-allotment-sharescapital · SH01
- 2022-02-04📄capital-allotment-sharescapital · SH01
- 2007-02-08➕KENDELL, Sarah appointedsecretary
- 2007-02-08➕PEPPER, Christian John appointeddirector
- 2007-01-23➖FORM 10 SECRETARIES FD LTD resignedcorporate-nominee-secretary
- 2007-01-23➖FORM 10 DIRECTORS FD LTD resignedcorporate-nominee-director
- 2007-01-22🏢Company incorporatedAs CJP FINANCIAL SERVICES LIMITED
- 2007-01-22➕FORM 10 SECRETARIES FD LTD appointedcorporate-nominee-secretary
- 2007-01-22➕FORM 10 DIRECTORS FD LTD appointedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 19 years.
- secondaryStable-but-static management: Company is 19 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
cleanGroup structure
Christian J. Pepper Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Christian J. Pepper Holdings Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 31/01/2019 |
1 historic (ceased) PSC
- Mr Christian John Pepperceased 31/01/2019· 75-100% shares · 75-100% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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
Registered office
Filing status
Officers (2 active · 2 resigned)
Click a director name to see their full track record across all companies.