CORNERSTONE FINANCE GROUP LTD

🌳Matureactive

08458702 · ltd · incorporated 2013-03-22

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 Dec 2025

Net worth

—

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: Other activities auxiliary to financial services, except insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (84/100)

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

6 officers (5 active, 6 linked, 6 with DOB)

Ownership & PSC

3 active PSC(s) of 3 total, 3 with control declared

Director network

17 connected companies via shared directors

Filing history

59 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.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-12-31	2024-12-31
Total assets	—	£659.1k
Current assets	—	£1.01M
Cash	—	£472.5k
Debtors	—	£532.9k
Net assets	—	£381.5k
Average employees	32	—

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

filings

Last 90 days

filings

• 1 capital
• 1 confirmation-statement
• 1 accounts

Last 180 days

filings

• 1 capital
• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (27 events)Click to expand

2026-05-29
📄
capital-alter-shares-reconversion
capital · SH02
2026-05-05
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-08-05
➕
MORGAN, Kevin Ian appointed
director
2025-05-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-03
📄
miscellaneous
miscellaneous · MISC
2025-02-03
📄
miscellaneous
miscellaneous · MISC
2025-01-23
📄
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2024-05-01
➕
THOMAS, Haydn, Mr appointed
director
2024-05-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-25
📄
resolution
resolution · RESOLUTIONS
2024-03-25
📄
resolution
resolution · RESOLUTIONS
2024-03-25
📄
resolution
resolution · RESOLUTIONS
2024-03-18
📄
capital-allotment-shares
capital · SH01
2024-03-18
📄
capital-allotment-shares
capital · SH01
2024-03-18
📄
capital-allotment-shares
capital · SH01
2024-03-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-06
📄
change-person-director-company-with-change-date
officers · CH01
2022-07-06
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-03-09
➖
HOLTAM, Gareth Hugh Lloyd resigned
director
2018-03-06
➕
HOLTAM, Gareth Hugh Lloyd appointed
director
2016-11-15
➕
WAYMAN, Michael Ian appointed
director
2013-03-22
🏢
Company incorporated
As CORNERSTONE FINANCE GROUP LTD
2013-03-22
➕
JONES, Jason Lee appointed
director
2013-03-22
➕
MORGAN, Gareth Thomas appointed
director

Owner dependency

56/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 59 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

53/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
secondary12+ year tenure: Director in role 13 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

3 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Michael Ian Wayman Individual · British · DOB 09/1972 · age 54	25–50%	25–50%	25-50% shares · 25-50% voting	15/11/2016
Mr Jason Lee Jones Individual · British · DOB 06/1973 · age 53	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Mr Gareth Thomas Morgan Individual · British · DOB 05/1980 · age 46	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016

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.

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Similar companies

Active · Financial services · CF postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
CDER LIMITED→ 15700914 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
CEH MANAGEMENT LTD→ 11500762 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
CHARTERWOOD RESOURCE MANAGEMENT LIMITED→ 06031029 · est 2006 · no financials extracted	—	—	—	—	19y	—	—
CHEN TOMKINSON LIMITED→ 17101966 · est 2026 · no financials extracted	—	—	—	—	—	—	—
CIA CONSULTING LTD→ 12142818 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
CLOCK AND COMPASS LTD→ 13633540 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
COMMONWEALTH FOUNDATION→ 13663887 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
CORALBRONZE LIMITED→ 08647009 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
CORNERSTONE COMMERCIAL INSURANCE SERVICES LTD→ 07464619 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
CPS HARRIS LTD→ 15009715 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
CREATING MORTGAGE SOLUTIONS LIMITED→ 13002585 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
CREATIVE RISK SOLUTIONS LTD→ 05506143 · est 2005 · no financials extracted	—	—	—	—	20y	—	—

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.

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🔒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

Incorporated2013-03-22

Jurisdictionwales

Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Unit E Copse Walk

Pontprennau

Cardiff

CF23 8RB

Wales

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2027-05-28

Last: 2026-05-14