COMMERCIAL FUNDING (UK) LTD

🌳Matureactive
07669677 · ltd · incorporated 2011-06-14
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 Jun 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 75/100. 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).

Data confidence

Overall: high (80/100)

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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
40 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
60
Some acquirability indicators.
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£0Jun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Average employees2200

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
1
filing
  • • 1 confirmation-statement
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 (19 events)Click to expand
  1. 2026-01-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-02-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-02-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-01-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2024-01-16
    ➕
    BUTLER, Tracey appointed
    director
  6. 2023-01-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-07-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2022-07-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2022-03-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-02-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-01-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-04-11
    📄
    resolution
    resolution · RESOLUTIONS
  13. 2019-04-11
    📄
    statement-of-companys-objects
    change-of-constitution · CC04
  14. 2019-04-11
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  15. 2019-04-11
    📄
    capital-name-of-class-of-shares
    capital · SH08
  16. 2019-01-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2018-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2011-06-14
    🏢
    Company incorporated
    As COMMERCIAL FUNDING (UK) LTD
  19. 2011-06-14
    ➕
    BUTLER, Gareth Robert appointed
    director

Owner dependency

81/100
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 15 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 15 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

49/100
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.
  • secondary12+ year tenure: Director in role 15 years.
  • 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
NameSharesVoting rightsNature of controlNotified
Mr Gareth Robert Butler
Individual · British · DOB 08/1972 · age 54
50–75%
—50-75% shares14/06/2017
Mrs Tracey Butler
Individual · British · DOB 02/1972 · age 54
25–50%
—25-50% shares14/06/2017

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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07060621 · est 2009 · no financials extracted
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14852812 · est 2023 · no financials extracted
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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.

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Company details

Statusactive
Typeltd
Incorporated2011-06-14
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

31 Wellington Road
Nantwich
Cheshire
CW5 7ED

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-06-28
Last: 2026-06-14

Officers (2 active · 0 resigned)

BUTLER, Gareth Robert→
director · ~54y · appointed 2011-06-14
View their other companies + combined net worth →
Active
BUTLER, Tracey→
director · ~54y · appointed 2024-01-16
View their other companies + combined net worth →
Active

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

Recent filings (40 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-16
appoint-person-director-company-with-name-date
officers · AP01
2024-01-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-07-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-07-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-03