CHURCH FINANCIAL SERVICES LIMITED
🌳Matureactive
07844744 · ltd · incorporated 2011-11-11
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 Nov 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company 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. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (79/100)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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
55 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-11-30 | 2024-11-30 |
|---|---|---|
| Average employees | 6 | 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 (25 events)Click to expand
- 2026-01-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-01-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-11-14📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-31📄capital-allotment-sharescapital · SH01
- 2022-10-31📄capital-allotment-sharescapital · SH01
- 2022-10-31📄capital-allotment-sharescapital · SH01
- 2022-10-31📄capital-allotment-sharescapital · SH01
- 2022-10-31📄capital-allotment-sharescapital · SH01
- 2022-10-31📄capital-allotment-sharescapital · SH01
- 2022-10-31📄capital-allotment-sharescapital · SH01
- 2022-08-19📄change-person-director-company-with-change-dateofficers · CH01
- 2022-08-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-06-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-05-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-03-01➖TURNER, Michael David Axe resigneddirector
- 2011-11-11🏢Company incorporatedAs CHURCH FINANCIAL SERVICES LIMITED
- 2011-11-11➕BLACK, Clive Alexander appointeddirector
- 2011-11-11➕CHURCH, Justin Lee appointeddirector
- 2011-11-11➕TURNER, Michael David Axe appointeddirector
Owner dependency
81/100
Critical — business is the founderThe 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.
- +Founder name in company name: Company name contains director surname "CHURCH" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- 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
cleanNo 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 Clive Alexander Black Individual · British · DOB 04/1975 · age 51 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Justin Lee Church Individual · British · DOB 10/1967 · age 59 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
1 historic (ceased) PSC
- Mr Michael David Axe Turnerceased 28/02/2017· 25-50% 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 · BA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BRICKS AND MORTAR LENDING LIMITED→ 11139714 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BRIGHTWILD VENTURES LTD→ 16727294 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BUGS INVESTMENT LIMITED→ 14041409 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| C3I INVESTMENTS LTD→ 13792818 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CAMEL TRADING COMPANY LIMITED(THE)→ 01622538 · est 1982 · no financials extracted | — | — | — | — | 44y | — | — |
| CHALICE FINANCIAL PLANNING LIMITED→ 15129181 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CHELVERTON ASSET MANAGEMENT LIMITED→ 03429348 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| CHURCH-FORD MORTGAGES LTD→ 13197235 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CITY FINANCIAL PLANNING (EXETER) LIMITED→ 03606716 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| CITY FINANCIAL PLANNING LIMITED→ 03224580 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| CLARKS PENSION TRUSTEE (2005) LIMITED→ 05210641 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| CLEMWORTH LTD→ 16537458 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2011-11-11
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Holloway House Epsom Square
White Horse Business Park
Trowbridge
Wiltshire
BA14 0XG
England
Filing status
Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2026-11-29
Last: 2025-11-15
Officers (2 active · 1 resigned)
BLACK, Clive Alexander→
Activedirector · ~51y · appointed 2011-11-11
View their other companies + combined net worth →
CHURCH, Justin Lee→
Activedirector · ~59y · appointed 2011-11-11
View their other companies + combined net worth →
TURNER, Michael David Axe→
Resigneddirector · ~45y · appointed 2011-11-11 · resigned 2017-03-01
Click a director name to see their full track record across all companies.
Recent filings (55 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-08-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-08
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-15
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-18
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-22
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-14
change-person-director-company-with-change-date
officers · CH01
2022-11-14
capital-allotment-shares
capital · SH01
2022-10-31