CHAMBERS FINANCIAL SERVICES LIMITED

🌳Matureactive
08201095 · ltd · incorporated 2012-09-04
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 Nov 2024
Net worth
—
book net assets
Opportunity
74/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66220Activities of insurance agents and brokers
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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, 2 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
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
35 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
55
Some acquirability indicators.
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£0Nov 2023Nov 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-11-302023-11-30
Average employees4400

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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 (19 events)Click to expand
  1. 2025-08-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-08-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-08-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-08-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-08-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-08-06
    📄
    capital-allotment-shares
    capital · SH01
  7. 2020-08-20
    📄
    capital-allotment-shares
    capital · SH01
  8. 2020-07-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-09-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2019-08-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-07-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2018-10-05
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  13. 2018-08-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-08-02
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2017-04-21
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2013-09-09
    ➕
    BAKER, Antony William appointed
    director
  17. 2012-09-04
    🏢
    Company incorporated
    As CHAMBERS FINANCIAL SERVICES LIMITED
  18. 2012-09-04
    ➕
    CHAMBERS, Roger Charles appointed
    secretary
  19. 2012-09-04
    ➕
    BAKER, Vicki Sarah appointed
    director

Owner dependency

66/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

49/100
Moderate signal

Some 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mrs Vicki Sarah Baker
Individual · British · DOB 08/1972 · age 54
25–50%
—25-50% shares06/04/2016
Mr Antony William Baker
Individual · British · DOB 01/1972 · age 54
25–50%
—25-50% shares06/04/2016

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 →

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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
Incorporated2012-09-04
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Arlington House West Station Business Park
Spital Road
Maldon
CM9 6FF
England

Filing status

Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-09-18
Last: 2025-09-04

Officers (3 active · 0 resigned)

CHAMBERS, Roger Charles→
secretary · appointed 2012-09-04
View their other companies + combined net worth →
Active
BAKER, Antony William→
director · ~54y · appointed 2013-09-09
View their other companies + combined net worth →
Active
BAKER, Vicki Sarah→
director · ~54y · appointed 2012-09-04
View their other companies + combined net worth →
Active

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

Recent filings (35 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-31
confirmation-statement-with-updates
confirmation-statement · CS01
2021-09-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-31
capital-allotment-shares
capital · SH01
2021-08-06
confirmation-statement-with-updates
confirmation-statement · CS01
2020-09-07
capital-allotment-shares
capital · SH01
2020-08-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-09-16