CHANGE BUSINESS FINANCE LIMITED

🌳Matureactive

08084085 · ltd · incorporated 2012-05-25

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jun 2025

Net worth

£-951

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: SIC 64992

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Deleverage or restructure. Leverage at 100% of assets — consider sale of non-core assets or equity injection. 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

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

5 connected companies via shared directors

Filing history

30 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Negative net assets

Liabilities exceed assets by £951

High leverage

Liabilities are 100% of total assets

Net assets shrinking

Down £1,174 YoY

Leverage

100%

Liabilities / Total assets

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

-£951

↓ 526% YoY

Current Assets

£4k

↓ 44% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-06-30	2024-06-30
Total assets	£6.2k	£9.2k
Current assets	£4.2k	£7.5k
Net assets	£-951	£223

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (18 events)Click to expand

2025-09-25
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-07
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-07-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-08-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-03-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-03-01
➕
SIMKINS, Jane Mary appointed
director
2018-10-10
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-03-01
📄
change-account-reference-date-company-current-extended
accounts · AA01
2017-09-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-02-01
📄
accounts-with-accounts-type-dormant
accounts · AA
2016-05-25
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-03-16
📄
accounts-with-accounts-type-dormant
accounts · AA
2015-06-02
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2012-05-25
🏢
Company incorporated
As CHANGE BUSINESS FINANCE LIMITED
2012-05-25
➕
SIMKINS, Nigel Christopher appointed
director

Owner dependency

86/100

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.
+Founder age: Director aged approximately 67 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 14 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

69/100

Strong succession signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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 · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Nigel Christopher Simkins Individual · British · DOB 10/1959 · age 67	75–100%	75–100%	board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · firm interest	27/04/2017

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.

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CARLETON-LIGHTFOOT SERVICES LIMITED→ 02625309 · est 1991 · no financials extracted	—	—	—	—	34y	—	—
CARPE DIEM MANAGEMENT→ 10830016 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
CHALLENGE GROUP LIVESTOCK LIMITED→ 07996620 · est 2012 · no financials extracted	—	—	—	—	14y	—	—
CHANCERY FINANCIAL LIMITED→ 04243977 · est 2001 · no financials extracted	—	—	—	—	24y	—	—
CHANCERY MORTGAGE SERVICES LIMITED→ 04249982 · est 2001 · no financials extracted	—	—	—	—	24y	—	—
CHANDLERMORTGAGES LTD→ 12213812 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
CHARACTER FINANCIAL SERVICES LIMITED→ 02316414 · est 1988 · no financials extracted	—	—	—	—	37y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

8 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

Incorporated2012-05-25

Jurisdictionengland-wales

Primary SIC64992 — SIC 64992

Registered office

15 Mendip Walk

Tunbridge Wells

TN2 3NL

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2027-04-08

Last: 2026-03-25

Officers (2 active · 0 resigned)

SIMKINS, Jane Mary→

director · ~66y · appointed 2019-03-01

View their other companies + combined net worth →

Active

SIMKINS, Nigel Christopher→

director · ~67y · appointed 2012-05-25

View their other companies + combined net worth →

Active

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