CMD FINANCIAL SOLUTIONS LTD

🌳Matureactive
06650508 · ltd · incorporated 2008-07-18
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 Dec 2024
Net worth
—
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (73/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
11 officers (5 active, 11 linked, 11 with DOB)
90
Ownership & PSC
0 active PSC(s) of 4 total, 4 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
59 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-31
Average employees700

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 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
  1. 2026-05-01
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  2. 2025-07-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-09-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-08-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-08-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-07-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-07-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-06-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2018-12-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2018-08-24
    ➖
    BIRKETT, Paul resigned
    director
  11. 2018-07-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2018-06-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2018-06-15
    ➖
    TURNEY, Craig Michael resigned
    director
  14. 2017-09-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2017-07-31
    📄
    notification-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC08
  16. 2017-07-31
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  17. 2017-07-31
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  18. 2017-07-31
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  19. 2016-04-06
    ➕
    HUNTER, Mark William appointed
    director
  20. 2016-04-06
    ➕
    BIRKETT, Paul appointed
    director
  21. 2016-04-06
    ➕
    TURNEY, Craig Michael appointed
    director
  22. 2013-08-27
    ➕
    DIXON, Pamela appointed
    director
  23. 2013-08-27
    ➕
    PEART, Linda appointed
    director
  24. 2011-12-02
    ➕
    DIXON, Stephen Michael appointed
    director
  25. 2011-06-30
    ➕
    PEART, John appointed
    director
  26. 2011-06-30
    ➖
    SMITH, Peter Geoffery resigned
    director
  27. 2011-06-30
    ➖
    STARKIE, Michael John resigned
    director
  28. 2011-01-14
    ➖
    PEART, John resigned
    director
  29. 2010-01-14
    ➖
    DIXON, Stephen Michael resigned
    director
  30. 2008-07-18
    🏢
    Company incorporated
    As CMD FINANCIAL SOLUTIONS LTD
  31. 2008-07-18
    ➕
    DIXON, Stephen Michael appointed
    director
  32. 2008-07-18
    ➕
    PEART, John appointed
    director
  33. 2008-07-18
    ➕
    SMITH, Peter Geoffery appointed
    director
  34. 2008-07-18
    ➕
    STARKIE, Michael John appointed
    director

Owner dependency

63/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -5 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 68 — 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 68. Approaching typical UK retirement age — succession thinking likely.
  • secondary12+ year tenure: Director in role 15 years.
  • secondaryStable-but-static management: Company is 18 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.)
🔒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
Incorporated2008-07-18
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

39 Lowther Street
Carlisle
Cumbria
CA3 8EP

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-08-01
Last: 2025-07-18

Officers (5 active · 6 resigned)

DIXON, Pamela→
director · ~59y · appointed 2013-08-27
View their other companies + combined net worth →
Active
DIXON, Stephen Michael→
director · ~61y · appointed 2011-12-02
View their other companies + combined net worth →
Active
HUNTER, Mark William→
director · ~62y · appointed 2016-04-06
View their other companies + combined net worth →
Active
PEART, John→
director · ~68y · appointed 2011-06-30
View their other companies + combined net worth →
Active
PEART, Linda→
director · ~63y · appointed 2013-08-27
View their other companies + combined net worth →
Active
BIRKETT, Paul→
director · ~42y · appointed 2016-04-06 · resigned 2018-08-24
Resigned
DIXON, Stephen Michael→
director · ~61y · appointed 2008-07-18 · resigned 2010-01-14
Resigned
PEART, John→
director · ~68y · appointed 2008-07-18 · resigned 2011-01-14
Resigned
SMITH, Peter Geoffery→
director · ~64y · appointed 2008-07-18 · resigned 2011-06-30
Resigned
STARKIE, Michael John→
director · ~62y · appointed 2008-07-18 · resigned 2011-06-30
Resigned
TURNEY, Craig Michael→
director · ~44y · appointed 2016-04-06 · resigned 2018-06-15
Resigned

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

Recent filings (59 total)

change-account-reference-date-company-previous-extended
accounts · AA01
2026-05-01
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-10
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-30
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-30
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-31
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-10
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-25
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-26
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-20
confirmation-statement-with-updates
confirmation-statement · CS01
2020-07-31
accounts-with-accounts-type-micro-entity
accounts · AA
2020-07-24
confirmation-statement-with-updates
confirmation-statement · CS01
2019-07-25
accounts-with-accounts-type-micro-entity
accounts · AA
2019-06-24