COMPLETE CORPORATE FINANCE LIMITED
🌳Matureactive
08152419 · ltd · incorporated 2012-07-23
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 Dec 2025
Net worth
£365.5k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -31% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 11.8y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 11.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 5 with DOB)
90
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
59 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
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 £365,501
Net assets shrinking
Down £88,192 YoY
Cash YoY
-31%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£295k
↓ 31% YoY
Net Worth
£366k
↓ 19% YoY
Current Assets
£385k
↓ 29% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Total assets | £370.2k | £458.4k |
| Current assets | £385.0k | £544.1k |
| Cash | £294.7k | £424.7k |
| Debtors | £90.3k | £119.4k |
| Net assets | £365.5k | £453.7k |
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
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2026-02-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-25📄capital-cancellation-sharescapital · SH06
- 2022-08-25📄capital-return-purchase-own-sharescapital · SH03
- 2022-07-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-07-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-06📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-07-06📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-07-06📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-06📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-07-05📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-05📄change-person-director-company-with-change-dateofficers · CH01
- 2022-06-28➖COGAN, Zachary Lee resigneddirector
- 2022-06-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2021-04-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2018-04-30➖HILL, Peter Nicholas resigneddirector
- 2016-03-14➕HILL, Peter Nicholas appointeddirector
- 2015-08-24➖LUCK, Barrie William resigneddirector
- 2014-10-15🔒Charge registered #1Lender: Investec Asset Finance PLC
- 2012-07-23🏢Company incorporatedAs COMPLETE CORPORATE FINANCE LIMITED
- 2012-07-23➕HARA, Ian Malcolm appointeddirector
- 2012-07-23➕LLOYD, Joseph Patrick appointeddirector
- 2012-07-23➕COGAN, Zachary Lee appointeddirector
- 2012-07-23➕LUCK, Barrie William appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
49/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- 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
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 Joseph Patrick Lloyd Individual · Irish · DOB 03/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/06/2022 |
Mr Ian Malcolm Hara Individual · English · DOB 03/1976 · age 50 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/06/2022 |
2 historic (ceased) PSCs
- Cahp Holdings Ltdceased 28/06/2022· 25-50% shares · 25-50% voting
- Mr Zachary Lee Coganceased 04/06/2018· 25-50% shares · 25-50% voting
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 · NE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BRIDGE THE GAP FINANCE LTD→ 15931799 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CFI 001 LIMITED→ 14995781 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CHARLES & CO. (CONSULTANTS) LIMITED→ 10334090 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CLAIRE ERRINGTON LIMITED→ 00607864 · est 1958 · no financials extracted | — | — | — | — | 67y | — | — |
| CLIFFORD JAMES LIMITED→ 10562366 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| COHDA PROPERTIES LTD→ 16492659 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| COMMERCIAL PROPERTY FINANCE CONSULTANCY LIMITED→ 03772879 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| COVERDEAL LIMITED→ 06996326 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CRAIG GILES WEALTH MANAGEMENT LTD→ 12594999 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CRICHTON WILLS TRUSTS & PROBATE LIMITED→ 07496602 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| CRUSADER CAPITAL LTD→ 16819298 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CRUSADER GROUP LEASING LTD→ 14568040 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2012-07-23
Jurisdictionengland-wales
Primary SIC64910 — Financial leasing
Registered office
20 Berrymoor Court Northumberland Business Park
Cramlington
Northumberland
NE23 7RZ
England
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-03-29
Last: 2026-03-15
Officers (2 active · 3 resigned)
HARA, Ian Malcolm→
Activedirector · ~50y · appointed 2012-07-23
View their other companies + combined net worth →
LLOYD, Joseph Patrick→
Activedirector · ~57y · appointed 2012-07-23
View their other companies + combined net worth →
COGAN, Zachary Lee→
Resigneddirector · ~50y · appointed 2012-07-23 · resigned 2022-06-28
HILL, Peter Nicholas→
Resigneddirector · ~79y · appointed 2016-03-14 · resigned 2018-04-30
LUCK, Barrie William→
Resigneddirector · ~70y · appointed 2012-07-23 · resigned 2015-08-24
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 | Investec Asset Finance Investec Asset Finance PLC | A registered charge | — | 15/10/2014 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (59 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-26
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-27
capital-cancellation-shares
capital · SH06
2022-08-25
capital-return-purchase-own-shares
capital · SH03
2022-08-25
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-07-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-07-07
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-07-06
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-07-06
change-person-director-company-with-change-date
officers · CH01
2022-07-06