CHERISHED CAR INSURANCE SERVICES LIMITED

🌳Matureactive
06383788 · ltd · incorporated 2007-09-27
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 2026
Net worth
£23.6k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 65-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 65). 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, 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
5 officers (4 active, 5 linked, 4 with DOB)
86
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
57 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 declared
Positive net assets
Net assets £23,571
Cash YoY
+32%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£98k
↑ 32% YoY
Net Worth
£24k
↑ 15% YoY
Current Assets
—
Current Liabilities
—
£0£20k£39k£59k£79k£98kMar 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-03-012025-03-01
Cash£98.5k£74.8k
Net assets£23.6k£20.5k

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 accounts
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2026-04-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-06-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-03-25
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  4. 2024-09-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2024-09-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2024-05-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-05-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-05-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-04-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-05-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-07-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2019-07-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2019-07-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2019-07-01
    ➕
    CHAMBERLIN, Amy Melissa appointed
    director
  15. 2019-07-01
    ➕
    CHAMBERLIN, Henry Christopher appointed
    director
  16. 2019-07-01
    ➖
    CHAMBERLIN, Michael resigned
    director
  17. 2019-06-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2018-09-25
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2018-09-25
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  20. 2007-09-27
    🏢
    Company incorporated
    As CHERISHED CAR INSURANCE SERVICES LIMITED
  21. 2007-09-27
    ➕
    CHAMBERLIN, Dawn appointed
    secretary
  22. 2007-09-27
    ➕
    CHAMBERLIN, Dawn appointed
    director
  23. 2007-09-27
    ➕
    CHAMBERLIN, Michael appointed
    director

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

73/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • 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

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 Dawn Chamberlin
Individual · British · DOB 10/1961 · age 65
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
1 historic (ceased) PSC
  • Mr Michael Chamberlinceased 02/03/2025· 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

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
Incorporated2007-09-27
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance

Registered office

10 The Enterprise Centre, Coxbridge Business Park
Alton Road
Farnham
GU10 5EH
England

Filing status

Accounts
Next due: 2027-12-01
Last made up to: 2026-03-01
Confirmation statement
Next due: 2027-06-10
Last: 2026-05-27

Officers (4 active · 1 resigned)

CHAMBERLIN, Dawn→
secretary · appointed 2007-09-27
View their other companies + combined net worth →
Active
CHAMBERLIN, Amy Melissa→
director · ~41y · appointed 2019-07-01
View their other companies + combined net worth →
Active
CHAMBERLIN, Dawn→
director · ~65y · appointed 2007-09-27
View their other companies + combined net worth →
Active
CHAMBERLIN, Henry Christopher→
director · ~37y · appointed 2019-07-01
View their other companies + combined net worth →
Active
CHAMBERLIN, Michael→
director · ~92y · appointed 2007-09-27 · resigned 2019-07-01
Resigned

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

Recent filings (57 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-06-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-02
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-27
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-25
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-26
change-person-director-company-with-change-date
officers · CH01
2024-09-26
change-person-director-company-with-change-date
officers · CH01
2024-09-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-18
confirmation-statement-with-updates
confirmation-statement · CS01
2021-09-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-27