CHARLES FRANK FINANCE LIMITED

💤Zombieactive
07791769 · ltd · incorporated 2011-09-29
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2025
Net worth
£184.6k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: high (81/100)

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
3 officers (1 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
43 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

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

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £184,562
Net assets shrinking
Down £11,045 YoY
Cash YoY
-7%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£179k
↓ 6.9% YoY
Net Worth
£185k
↓ 5.6% YoY
Current Assets
£183k
↓ 6.8% YoY
Current Liabilities
—
£0£39k£79k£118k£157k£196kNov 2024Nov 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-11-302024-11-30
Total assets£185.3k£196.3k
Current assets£182.8k£196.3k
Cash£179.0k£192.2k
Debtors£3.8k£4.0k
Net assets£184.6k£195.6k

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 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2026-01-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-01-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-01-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-03-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-02-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-04-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-07-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-04-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-01-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-11-16
    📍
    move-registers-to-sail-company-with-new-address
    address · AD03
  11. 2017-11-15
    📍
    change-sail-address-company-with-new-address
    address · AD02
  12. 2017-11-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2017-02-02
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2016-04-25
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2013-09-01
    ➖
    LUGSDIN, Anthony Edward resigned
    director
  16. 2013-07-17
    ➕
    LUGSDIN, John Charles appointed
    director
  17. 2013-01-22
    ➕
    LUGSDIN, Anthony Edward appointed
    director
  18. 2013-01-22
    ➖
    LUGSDIN, John Charles resigned
    director
  19. 2011-09-29
    🏢
    Company incorporated
    As CHARLES FRANK FINANCE LIMITED
  20. 2011-09-29
    ➕
    LUGSDIN, John Charles appointed
    director

Owner dependency

83/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.

Succession & seller-readiness

68/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 13 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr John Charles Lugsdin
Individual · British · DOB 11/1966 · age 60
75–100%
75–100%board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · firm interest06/04/2016

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

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
Incorporated2011-09-29
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

89 Cardiff Road
Taffs Well
Cardiff
Cardiff
CF15 7PL
Wales

Filing status

Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2027-07-10
Last: 2026-06-26

Officers (1 active · 2 resigned)

LUGSDIN, John Charles→
director · ~60y · appointed 2013-07-17
View their other companies + combined net worth →
Active
LUGSDIN, Anthony Edward→
director · ~90y · appointed 2013-01-22 · resigned 2013-09-01
Resigned
LUGSDIN, John Charles→
director · ~60y · appointed 2011-09-29 · resigned 2013-01-22
Resigned

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

Recent filings (43 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-06-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-05