ECRS INVESTMENTS LIMITED

🌳Matureactive

07028562 · ltd · incorporated 2009-09-24

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 Sept 2025

Net worth

£2

book net assets

Opportunity

80/100

Exceptional

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 71-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 71). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (78/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

40 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £2

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£2

~ YoY

Current Assets

£0

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-09-30	2024-09-30
Total assets	£2	£2
Current assets	£0	£0
Net assets	£2	£2

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (19 events)Click to expand

2026-02-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-09
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-06
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-13
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-13
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-18
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-04-13
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-05-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-03-07
📄
change-person-director-company-with-change-date
officers · CH01
2018-03-07
📄
change-person-director-company-with-change-date
officers · CH01
2017-12-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-09-29
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2017-09-29
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2017-09-22
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2016-11-04
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-10-26
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2009-09-24
🏢
Company incorporated
As ECRS INVESTMENTS LIMITED
2009-09-24
➕
STEELE, John, Mr. appointed
director
2009-09-24
➕
STEELE, Sonia Zoe appointed
director

Owner dependency

96/100

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 17 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 71 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 17 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

89/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
secondary12+ year tenure: Director in role 17 years.
secondaryStable-but-static management: Company is 17 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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr John Steele Individual · British · DOB 09/1955 · age 71	25–50%	25–50%	25-50% shares · 25-50% voting	24/09/2016
Mrs Sonia Zoe Steele Individual · British · DOB 03/1958 · age 68	25–50%	25–50%	25-50% shares · 25-50% voting	24/09/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Financial services · CA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ACT LOGIC LIMITED→ 16882554 · est 2025 · no financials extracted	—	—	—	—	—	—	—
AHR 151 LIMITED→ 01835383 · est 1984 · no financials extracted	—	—	—	—	41y	—	—
ARC EDEN LIMITED→ 05299049 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
BROWNRIGG PROPERTIES LIMITED→ 07800966 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
CALEDONIAN CONSUMER FINANCE LTD→ 07368004 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
CAREER FINANCE 4 TRADE SKILLS LIMITED→ 06047066 · est 2007 · no financials extracted	—	—	—	—	19y	—	—
CUMBRIA CVS TRADING LIMITED→ 08703970 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
DAVID ALLEN FINANCIAL SERVICES (DALSTON) LIMITED→ 06966976 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
DAVID MALIN FINANCIAL ADVICE LTD→ 15752867 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
DOBIES CUMBRIA FINANCE LIMITED→ 08439091 · est 2013 · no financials extracted	—	—	—	—	13y	—	—
DW 2020 LIMITED→ 12369622 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
EDEN MORTGAGES LIMITED→ 04352612 · est 2002 · no financials extracted	—	—	—	—	24y	—	—

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

Incorporated2009-09-24

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Fifteen Rosehill Montgomery Way

Rosehill Estate

Carlisle

Cumbria

CA1 2RW

England

Filing status

Accounts

Next due: 2027-06-30

Last made up to: 2025-09-30

Confirmation statement

Next due: 2026-10-08

Last: 2025-09-24

Officers (2 active · 0 resigned)

STEELE, John, Mr.→

director · ~71y · appointed 2009-09-24

View their other companies + combined net worth →

Active

STEELE, Sonia Zoe→

director · ~68y · appointed 2009-09-24

View their other companies + combined net worth →

Active

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