CHAMBERS SMITH FINANCIAL PLANNING LTD

🌳Matureactive
06674780 · ltd · incorporated 2008-08-18
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 17.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£186.3k
book net assets
Opportunity
75/100
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
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

1 live charge · oldest 17.1y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 17.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
4 officers (2 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
82 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £186,330

Key financials

2 years extracted from filed iXBRL accounts
Cash
£184k
Net Worth
£186k
Current Assets
£456k
Current Liabilities
—
£0£91k£182k£274k£365k£456kApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Total assets£347.5k—
Current assets£456.0k—
Cash£183.5k—
Debtors£272.5k—
Net assets£186.3k—
Average employees—600

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 (27 events)Click to expand
  1. 2026-01-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-01-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-09-16
    📄
    capital-name-of-class-of-shares
    capital · SH08
  4. 2024-09-13
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  5. 2023-11-10
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  6. 2023-10-31
    📄
    memorandum-articles
    incorporation · MA
  7. 2023-10-31
    📄
    capital-name-of-class-of-shares
    capital · SH08
  8. 2023-10-31
    📄
    resolution
    resolution · RESOLUTIONS
  9. 2023-10-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-11-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-04-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2020-06-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2020-01-02
    📄
    resolution
    resolution · RESOLUTIONS
  15. 2019-10-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2019-07-01
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  17. 2019-07-01
    📄
    capital-name-of-class-of-shares
    capital · SH08
  18. 2019-07-01
    📄
    resolution
    resolution · RESOLUTIONS
  19. 2018-10-25
    ➕
    DODDS, Paul Martin appointed
    director
  20. 2018-10-25
    ➕
    SMITH, Daniel Christopher appointed
    director
  21. 2018-10-25
    ➖
    SHANKS, Richard Luke resigned
    director
  22. 2018-09-28
    🔓
    Charge satisfied #1
  23. 2009-06-03
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  24. 2008-08-18
    🏢
    Company incorporated
    As CHAMBERS SMITH FINANCIAL PLANNING LTD
  25. 2008-08-18
    ➕
    SHANKS, Richard Luke appointed
    director
  26. 2008-08-18
    ➕
    ARGUS NOMINEE DIRECTORS LIMITED appointed
    corporate-director
  27. 2008-08-18
    ➖
    ARGUS NOMINEE DIRECTORS LIMITED resigned
    corporate-director

Owner dependency

73/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "SMITH" — strong identity link between founder and business.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 18 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Invictus 1985 Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Invictus 1985 Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
CHAMBERS SMITH FINANCIAL PLANNING LTD
This company · 06674780

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%
NameSharesVoting rightsNature of controlNotified
Invictus 1985 Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control25/10/2018
1 historic (ceased) PSC
  • Mr Richard Shanksceased 25/10/2018· 75-100% shares

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
Incorporated2008-08-18
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

2 Cheapside
Derby
DE1 1BR
England

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-08-27
Last: 2025-08-13

Officers (2 active · 2 resigned)

DODDS, Paul Martin→
director · ~46y · appointed 2018-10-25
View their other companies + combined net worth →
Active
SMITH, Daniel Christopher→
director · ~41y · appointed 2018-10-25
View their other companies + combined net worth →
Active
SHANKS, Richard Luke→
director · ~53y · appointed 2008-08-18 · resigned 2018-10-25
Resigned
ARGUS NOMINEE DIRECTORS LIMITED→
corporate-director · appointed 2008-08-18 · resigned 2008-08-18
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 property03/06/200928/09/2018

Recent filings (82 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-13
capital-name-of-class-of-shares
capital · SH08
2024-09-16
capital-variation-of-rights-attached-to-shares
capital · SH10
2024-09-13
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-19
capital-variation-of-rights-attached-to-shares
capital · SH10
2023-11-10
memorandum-articles
incorporation · MA
2023-10-31
capital-name-of-class-of-shares
capital · SH08
2023-10-31
resolution
resolution · RESOLUTIONS
2023-10-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-08