CAMBRIDGE FINANCIAL SERVICES LTD

🌳Matureactive
07510905 · ltd · incorporated 2011-01-31
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
—
book net assets
Opportunity
79/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒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
Active trading company with a 69-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 69). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

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
Confirmed no charges registered
85
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
56 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

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Sept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-09-302024-09-30
Average employees200200

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 (24 events)Click to expand
  1. 2026-03-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-02-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-01-30
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  4. 2023-10-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-09-05
    📄
    capital-allotment-shares
    capital · SH01
  6. 2023-03-25
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  7. 2023-03-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2023-03-07
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  9. 2021-07-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-06-23
    📄
    capital-allotment-shares
    capital · SH01
  11. 2021-03-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-01-26
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2020-10-02
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2020-01-24
    ➕
    GRIEVE, Hannah Jane appointed
    director
  15. 2020-01-24
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2019-12-18
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  17. 2019-09-05
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  18. 2019-09-05
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  19. 2019-02-28
    ➖
    KARLIN, Fiona Elizabeth Joy resigned
    director
  20. 2018-03-20
    ➕
    HOWARD-JONES, Peter Nicholas appointed
    director
  21. 2012-07-27
    ➖
    HOWARD-JONES, Peter Nicholas resigned
    director
  22. 2011-01-31
    🏢
    Company incorporated
    As CAMBRIDGE FINANCIAL SERVICES LTD
  23. 2011-01-31
    ➕
    HOWARD-JONES, Peter Nicholas appointed
    director
  24. 2011-01-31
    ➕
    KARLIN, Fiona Elizabeth Joy appointed
    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 age: Director aged approximately 69 — succession pressure is live.

Succession & seller-readiness

66/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 15 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.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Peter Nicholas Howard-Jones
Individual · British · DOB 05/1957 · age 69
75–100%
—75-100% shares28/02/2019
1 historic (ceased) PSC
  • Ms Fiona Elizabeth Joy Karlinceased 28/02/2019· 50-75% 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 →

Similar companies

Active · Financial services · CB postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
16PHD LTD→
16581590 · est 2025 · no financials extracted
———————
ABBEXA CAPITAL LTD→
12129610 · est 2019 · no financials extracted
————6y——
ACCELERATOR ADVISORY LIMITED→
12144298 · est 2019 · no financials extracted
————6y——
ANABER INVESTMENTS LTD→
15929869 · est 2024 · no financials extracted
————1y——
ASE INTERNATIONAL LTD→
11841295 · est 2019 · no financials extracted
————7y——
BARTON LILY→
15111720 · est 2023 · no financials extracted
————2y——
BLOOMTECH BUSINESS SERVICES LIMITED→
15767231 · est 2024 · no financials extracted
————1y——
BLUE AND GOLD INVESTMENTS LTD→
16373441 · est 2025 · no financials extracted
————1y——
CAMBRIDGE MODEL 2021 LIMITED→
15146782 · est 2023 · no financials extracted
————2y——
CAMBRIDGE SOCIAL INVESTMENTS LIMITED→
16453466 · est 2025 · no financials extracted
———————
CAMBRIDGE STOCK EXCHANGE PROJECT LTD→
15764768 · est 2024 · no financials extracted
————1y——
CAMBRIDGE VENTURE MANAGEMENT LIMITED→
03991603 · est 2000 · no financials extracted
————25y——
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
Incorporated2011-01-31
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Milton Hall Ely Road
Milton
Cambridge
CB24 6WZ
England

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-07-30
Last: 2025-07-16

Officers (2 active · 2 resigned)

GRIEVE, Hannah Jane→
director · ~35y · appointed 2020-01-24
View their other companies + combined net worth →
Active
HOWARD-JONES, Peter Nicholas→
director · ~69y · appointed 2018-03-20
View their other companies + combined net worth →
Active
HOWARD-JONES, Peter Nicholas→
director · ~69y · appointed 2011-01-31 · resigned 2012-07-27
Resigned
KARLIN, Fiona Elizabeth Joy→
director · ~66y · appointed 2011-01-31 · resigned 2019-02-28
Resigned

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

Recent filings (56 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-14
change-account-reference-date-company-current-extended
accounts · AA01
2024-01-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-04
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-05
capital-allotment-shares
capital · SH01
2023-09-05
gazette-filings-brought-up-to-date
gazette · DISS40
2023-03-25
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-24
gazette-notice-compulsory
gazette · GAZ1
2023-03-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-23
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-13
capital-allotment-shares
capital · SH01
2021-06-23