CANTERBURY CAPITAL LIMITED
🌳Matureactive
07984823 · ltd · incorporated 2012-03-09
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
£229.0k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
ALSO REGISTERED FOR
- 70229Management consultancy activities other than financial management
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 80/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -56% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 6.9y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
51 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £229,034
Net assets shrinking
Down £32,900 YoY
Cash draining
Cash down 56% YoY
Cash YoY
-56%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£205k
↓ 56% YoY
Net Worth
£229k
↓ 13% YoY
Current Assets
£3.6m
↓ 23% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £231.4k | £271.3k |
| Current assets | £3.64M | £4.71M |
| Cash | £205.2k | £466.2k |
| Debtors | £3.43M | £4.25M |
| Net assets | £229.0k | £261.9k |
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-10-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-03-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-24➕LENNON, James Daniel appointeddirector
- 2022-03-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-03-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-03-14🔓Charge satisfied #2
- 2021-11-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-26✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2021-09-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-26🔒Charge registered #2Lender: D a Phillips & Co Limited and Ronan Lennon as Trustees of the Rglservices Ssas
- 2021-03-22📄change-person-director-company-with-change-dateofficers · CH01
- 2021-03-22📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-09-12📄change-person-director-company-with-change-dateofficers · CH01
- 2019-09-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-08-12🔒Charge registered #1Lender: D a Phillips & Co LTD and Ronan Lennon
- 2019-08-01➖LENNON, Kevin Patrick resigneddirector
- 2014-09-05➕LENNON, Kevin Patrick appointeddirector
- 2012-03-09🏢Company incorporatedAs CANTERBURY CAPITAL LIMITED
- 2012-03-09➕LENNON, Geraldine Maria appointeddirector
- 2012-03-09➕LENNON, Ronan Eamon appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 67 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
23/100
No succession signalNo meaningful acquirability indicators from public data.
SIGNALS
- primaryFamily succession underway: Not a takeover target — LENNON, James Daniel (same surname) appointed 2022-03-24. Pattern consistent with intra-family handover.
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- 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
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 Ronan Eamon Lennon Individual · British · DOB 02/1959 · age 67 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Geraldine Maria Lennon Individual · British · DOB 04/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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 →Similar companies
Active · Financial services · CT postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 97 GROUP LIMITED→ 13156739 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BRIX MORTGAGES LIMITED→ 16848589 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| C.S TRADING SOLUTIONS LTD→ 16658642 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| C&L FINEFFICIENCY LIMITED→ 14008975 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CANTERBURY WEALTH MANAGEMENT LIMITED→ 12968605 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CARROLL & CARROLL LIMITED→ 01610554 · est 1982 · no financials extracted | — | — | — | — | 44y | — | — |
| CASEY JAMES MORTGAGES LTD→ 15814144 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CATINSIGHT LTD→ 10359053 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CHARTERED FINANCIAL ADVICE LTD→ 06273785 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| CHERRY TREE MANAGEMENT CONSULTANTS LTD→ 11811909 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CHRIS FRENCH LTD→ 11106904 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CHRIS MARSON LIMITED→ 06788479 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
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
Incorporated2012-03-09
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
Dormy House
105 Chestfield Road
Chesfield
Kent
CT5 3LT
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-23
Last: 2026-03-09
Officers (3 active · 1 resigned)
LENNON, Geraldine Maria→
Activedirector · ~64y · appointed 2012-03-09
View their other companies + combined net worth →
LENNON, James Daniel→
Activedirector · ~35y · appointed 2022-03-24
View their other companies + combined net worth →
LENNON, Ronan Eamon→
Activedirector · ~67y · appointed 2012-03-09
View their other companies + combined net worth →
LENNON, Kevin Patrick→
Resigneddirector · ~55y · appointed 2014-09-05 · resigned 2019-08-01
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | D a Phillips & Co and Ronan Lennon as Trustees of the Rglservices Ssas D a Phillips & Co Limited and Ronan Lennon as Trustees of the Rglservices Ssas | A registered charge | 3 properties | 26/08/2021 | 14/03/2022 | |
| outstanding | D a Phillips & Co and Ronan Lennon D a Phillips & Co LTD and Ronan Lennon | A registered charge | 2 properties | 12/08/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (51 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-15
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-03-19
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-18
appoint-person-director-company-with-name-date
officers · AP01
2022-03-24
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-24
mortgage-satisfy-charge-full
mortgage · MR04
2022-03-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-19
certificate-change-of-name-company
change-of-name · CERTNM
2021-10-26