CASTLE LOANS LTD
🌳Matureactive
08760575 · ltd · incorporated 2013-11-04
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 Mar 2025
Net worth
£50.7k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 70-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 70). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (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, 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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
36 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 £50,677
Cash YoY
+120%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£15k
↑ 120% YoY
Net Worth
£51k
↑ 57% YoY
Current Assets
£69k
↑ 56% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £51.0k | £34.7k |
| Current assets | £69.0k | £44.2k |
| Cash | £14.6k | £6.6k |
| Debtors | £53.0k | £36.3k |
| Net assets | £50.7k | £32.2k |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2025-09-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-02-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-02-03📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-12-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-12-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-12-04📄change-person-director-company-with-change-dateofficers · CH01
- 2016-12-04📄change-person-director-company-with-change-dateofficers · CH01
- 2016-11-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2013-11-04🏢Company incorporatedAs CASTLE LOANS LTD
- 2013-11-04➕SNEDDON, Frank appointeddirector
- 2013-11-04➕SNEDDON, Jayne appointeddirector
Owner dependency
86/100
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 70 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.
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 70 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 13 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 |
|---|---|---|---|---|
Mrs Jayne Sneddon Individual · British · DOB 07/1956 · age 70 | — | — | sig. influencesignificant influence | 04/06/2016 |
Mr Frank Sneddon Individual · British · DOB 12/1956 · age 70 | — | — | sig. influencesignificant influence | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · BS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CAPITAL EQUIPMENT FINANCE LTD→ 09264050 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| CARDIFF UNIVERSITY PENSION FUND TRUSTEE LIMITED→ 16886100 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CENTIVA CAPITAL UK LTD→ 12306117 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CF GENERAL PARTNER LIMITED→ 12025521 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CGL CONSULTING GROUP LTD→ 16767287 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CHALLENGER FINANCIAL ADVISERS LIMITED→ 17038611 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CITY WEALTH MANAGEMENT LTD→ 15968501 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CJ HOLE FINANCIAL SERVICES LTD→ 16102317 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CLARKE ROBINSON & CO LTD→ 05603733 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| CLEAR INDEPENDENT FINANCIAL SOLUTIONS LIMITED→ 07107774 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CLEARORBIT LIMITED→ 05457469 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| CLEEVE ENTERPRISES LTD→ 15385607 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2013-11-04
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
130 Aztec West
Almondsbury
Bristol
BS32 4UB
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-18
Last: 2025-11-04
Officers (2 active · 0 resigned)
SNEDDON, Frank→
Activedirector · ~70y · appointed 2013-11-04
View their other companies + combined net worth →
SNEDDON, Jayne→
Activedirector · ~70y · appointed 2013-11-04
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (36 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-02-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-12