CHARLTON WEALTH MANAGEMENT LIMITED
💤Zombieactive
08141709 · ltd · incorporated 2012-07-12
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 Dec 2024
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 80/100. 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: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 5.0y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
53 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
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 · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 400 | 400 |
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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2025-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-11📄capital-alter-shares-consolidationcapital · SH02
- 2023-06-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-06-27📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-06-27📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-10-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-26📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-07-15🔒Charge registered #1Lender: National Westminster Bank PLC
- 2021-07-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-07-09📄change-person-director-company-with-change-dateofficers · CH01
- 2021-07-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-07-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2013-12-31➖MANDEL, Julian resigneddirector
- 2012-07-12🏢Company incorporatedAs CHARLTON WEALTH MANAGEMENT LIMITED
- 2012-07-12➕NELSON, Gareth James appointeddirector
- 2012-07-12➕MANDEL, Julian appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
58/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Gareth James Nelson Individual · British · DOB 05/1980 · age 46 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
3 historic (ceased) PSCs
- Mr Gareth Nelsonceased 09/07/2021· 75-100% shares · 75-100% voting
- Lydia Nelsonceased 22/06/2023· 25-50% shares
- Mr Julian Mandelceased 22/06/2023· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · RH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ANTHRACITES PROPERTIES LIMITED→ 15404045 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| BROKES LODGE ESTATE GARDENS INVESTMENT LIMITED→ 13307769 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CAMPTON UNDERWRITING AGENTS LIMITED→ 00786687 · est 1964 · no financials extracted | — | — | — | — | 62y | — | — |
| CARRIE MILLIN LTD→ 13127893 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CATALYX PARTNERS LTD→ 17006880 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CFM FINANCIAL PLANNING LTD→ 08927586 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| CHANTRY HILL LTD→ 11651780 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CHARTERHOUSE PRIVATE EQUITY LIMITED→ 08761437 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| CHEELD WHEELER LIMITED→ 04568584 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| CHRISTMAS FINANCIAL PLANNERS LIMITED→ 04365314 · est 2002 · no financials extracted | — | — | — | — | 24y | — | — |
| CHRISTOPHER ROWE LIMITED→ 07888275 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CLAYBROOK COMPUTING LIMITED→ 01287205 · est 1976 · no financials extracted | — | — | — | — | 49y | — | — |
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
Incorporated2012-07-12
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
The Stables
Fox Hill
Haywards Heath
West Sussex
RH16 4QQ
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-07-06
Last: 2026-06-22
Officers (1 active · 1 resigned)
NELSON, Gareth James→
Activedirector · ~46y · appointed 2012-07-12
View their other companies + combined net worth →
MANDEL, Julian→
Resigneddirector · ~52y · appointed 2012-07-12 · resigned 2013-12-31
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 15/07/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (53 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-29
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-19
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-16
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-18
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-01
capital-alter-shares-consolidation
capital · SH02
2023-07-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-06-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-06-27
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-06-27
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-07-27
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-07-26