COMMERCIALANDBRIDGING LIMITED
🌳Matureactive
08225319 · ltd · incorporated 2012-09-24
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 Sept 2024
Net worth
£22.2k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 71-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 71). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (76/100)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
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
Network not yet resolved
30
Filing history
31 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £22,177
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£22k
↑ 47% YoY
Current Assets
£44k
↓ 48% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Total assets | £20.9k | £60.0k |
| Current assets | £43.9k | £84.8k |
| Net assets | £22.2k | £15.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- 2025-09-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-11📄gazette-filings-brought-up-to-dategazette · DISS40
- 2024-12-10📄gazette-notice-compulsorygazette · GAZ1
- 2024-09-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-01-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-01-16📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2022-08-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-06-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-06-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2012-09-24🏢Company incorporatedAs COMMERCIALANDBRIDGING LIMITED
- 2012-09-24➕HAVENHAND, Denise appointedsecretary
- 2012-09-24➕HAVENHAND, Denise appointeddirector
- 2012-09-24➕HAVENHAND, Robert appointeddirector
Owner dependency
81/100
Critical — business is the founderThe 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 71 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
79/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
- 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 Robert Havenhand Individual · British · DOB 11/1955 · age 71 | 25–50% | — | 25-50% shares | 16/01/2023 |
Mrs Denise Havenhand Individual · British · DOB 03/1958 · age 68 | 25–50% | — | 25-50% shares | 16/01/2023 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · DN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CARRMICHAELS LIMITED→ 06373179 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| CHEQUES AND CHECKINS LTD→ 16887078 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CITYNET INSURANCE BROKERS LIMITED→ 03933031 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
| CLEAR FINANCE AND INSURANCE LTD→ 10303342 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| COATES & CO UK LIMITED→ 10813811 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| COMMERCIAL FINANCE LTD.→ 06188873 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| COOKE & COMPANY FINANCIAL PLANNING LTD→ 17114655 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| COULSON MORTGAGES LIMITED→ 14539332 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| COVENANT LIFTINGS LTD→ 16338153 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CREIGHTON-WARD WEALTH LIMITED→ 11096591 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CRG FINANCIAL RECOVERY LIMITED→ 04948177 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| CRYPTIX LIMITED→ 14416935 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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.
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See pricing →Company details
Statusactive
Typeltd
Incorporated2012-09-24
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
44 Curzen Crescent
Kirk Sandall
Doncaster
South Yorkshire
DN3 1PR
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-10-08
Last: 2025-09-24
Officers (3 active · 0 resigned)
Active
HAVENHAND, Denise→
Activedirector · ~68y · appointed 2012-09-24
View their other companies + combined net worth →
HAVENHAND, Robert→
Activedirector · ~71y · appointed 2012-09-24
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (31 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-11
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-24
gazette-filings-brought-up-to-date
gazette · DISS40
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-10
gazette-notice-compulsory
gazette · GAZ1
2024-12-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-01-16
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-01-16
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2023-01-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-16