CIPHER FINANCIAL ANALYSIS LTD

🌳Matureactive
07927088 · ltd · incorporated 2012-01-27
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 Mar 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Activities of open-ended investment companies
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 80-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 80). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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
5 officers (3 active, 5 linked, 5 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
41 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£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Average employees3300

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 (24 events)Click to expand
  1. 2025-12-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-12-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-06-07
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  5. 2023-06-06
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  6. 2023-06-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-04-08
    ➕
    GEIB, Paul Desmond appointed
    director
  8. 2022-04-08
    ➕
    GEIB, Sharon Patricia appointed
    director
  9. 2022-04-08
    ➖
    GEIB, Barnaby Paul resigned
    director
  10. 2022-04-08
    ➖
    GEIB, Maristella resigned
    director
  11. 2022-04-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2022-04-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2022-04-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2022-04-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2021-11-18
    ➕
    GEIB, Maristella appointed
    director
  16. 2021-11-18
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2021-11-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2020-12-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2019-12-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2019-12-14
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  21. 2019-10-17
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  22. 2012-01-27
    🏢
    Company incorporated
    As CIPHER FINANCIAL ANALYSIS LTD
  23. 2012-01-27
    ➕
    GRAFTON, Alan Campbell appointed
    director
  24. 2012-01-27
    ➕
    GEIB, Barnaby Paul 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
  • +Founder age: Director aged approximately 80 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

73/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 80 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 14 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
NameSharesVoting rightsNature of controlNotified
Mr Barnaby Paul Geib
Individual · British · DOB 12/1975 · age 51
25–50%
—25-50% shares01/07/2016

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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15911810 · est 2024 · no financials extracted
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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
Incorporated2012-01-27
Jurisdictionengland-wales
Primary SIC64304 — Activities of open-ended investment companies

Registered office

45 Chase Court Gardens
Enfield
EN2 8DJ
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-18
Last: 2025-07-04

Officers (3 active · 2 resigned)

GEIB, Paul Desmond→
director · ~80y · appointed 2022-04-08
View their other companies + combined net worth →
Active
GEIB, Sharon Patricia→
director · ~75y · appointed 2022-04-08
View their other companies + combined net worth →
Active
GRAFTON, Alan Campbell→
director · ~51y · appointed 2012-01-27
View their other companies + combined net worth →
Active
GEIB, Barnaby Paul→
director · ~51y · appointed 2012-01-27 · resigned 2022-04-08
Resigned
GEIB, Maristella→
director · ~50y · appointed 2021-11-18 · resigned 2022-04-08
Resigned

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

Recent filings (41 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-02
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-31
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-16
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-30
gazette-filings-brought-up-to-date
gazette · DISS40
2023-06-07
gazette-notice-compulsory
gazette · GAZ1
2023-06-06
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-01
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-23
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-11
appoint-person-director-company-with-name-date
officers · AP01
2022-04-08
appoint-person-director-company-with-name-date
officers · AP01
2022-04-08
termination-director-company-with-name-termination-date
officers · TM01
2022-04-08