CADS INVESTMENTS

🌳Matureactive
08854829 · private-unlimited · incorporated 2014-01-21
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 5.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Security dealing on own account
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 66-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (63/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 5.7y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 5.7 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (62/100)

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
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (4 active, 5 linked, 5 with DOB)
90
Ownership & PSC
4 active PSC(s) of 5 total, 5 with control declared
90
Director network
24 connected companies via shared directors
90
Filing history
28 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
2
filings
  • • 1 confirmation-statement
  • • 1 officers
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2026-04-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-04-24
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-04-24
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2024-06-12
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-06-12
    🔓
    Charge satisfied #1
  6. 2020-10-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2020-09-21
    🔒
    Charge registered #1
    Lender: J.P. Morgan Bank Luxembourg S.A.
  8. 2020-04-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2017-08-24
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  10. 2016-04-27
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2016-04-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2016-01-27
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  13. 2015-10-02
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  14. 2015-08-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2015-01-26
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2014-09-29
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2014-09-23
    ➕
    KERNIGHAN, Eleanor Marie appointed
    director
  18. 2014-09-23
    ➕
    SHELLEY, Andrew Edgar appointed
    director
  19. 2014-09-23
    ➖
    MORRISON, William James Duncan resigned
    director
  20. 2014-01-21
    🏢
    Company incorporated
    As CADS INVESTMENTS
  21. 2014-01-21
    ➕
    DAVIES, Frances Ruth appointed
    director
  22. 2014-01-21
    ➕
    SHELLEY, Andrea appointed
    director
  23. 2014-01-21
    ➕
    MORRISON, William James Duncan appointed
    director

Owner dependency

63/100
High — earn-out structure required

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

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 66 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

63/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • secondary12+ year tenure: Director in role 12 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

4 active beneficial owners · dominant holder ≥75% · fragmented
NameSharesVoting rightsNature of controlNotified
Mrs Andrea Shelley
Individual · British · DOB 10/1961 · age 65
75–100%
—75-100% shares · trust interest06/04/2016
Mr Andrew Edgar Shelley
Individual · British · DOB 09/1960 · age 66
75–100%
—75-100% shares · trust interest06/04/2016
Ms Eleanor Marie Kernighan
Individual · British · DOB 01/1974 · age 52
75–100%
—75-100% shares · trust interest06/04/2016
Mrs Frances Ruth Davies
Individual · British · DOB 09/1968 · age 58
75–100%
—75-100% shares · trust interest06/04/2016
1 historic (ceased) PSC
  • Mr Kenneth Duncan Morrisonceased 01/02/2017· 75-100% shares · trust interest

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

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
Typeprivate-unlimited
Incorporated2014-01-21
Jurisdictionengland-wales
Primary SIC64991 — Security dealing on own account

Registered office

Progeny, 1a Tower Square
Wellington Street
Leeds
LS1 4DL
England

Filing status

Accounts
Next due: —
Last made up to: —
Confirmation statement
Next due: 2027-04-16
Last: 2026-04-02

Officers (4 active · 1 resigned)

DAVIES, Frances Ruth→
director · ~58y · appointed 2014-01-21
View their other companies + combined net worth →
Active
KERNIGHAN, Eleanor Marie→
director · ~52y · appointed 2014-09-23
View their other companies + combined net worth →
Active
SHELLEY, Andrea→
director · ~65y · appointed 2014-01-21
View their other companies + combined net worth →
Active
SHELLEY, Andrew Edgar→
director · ~66y · appointed 2014-09-23
View their other companies + combined net worth →
Active
MORRISON, William James Duncan→
director · ~50y · appointed 2014-01-21 · resigned 2014-09-23
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
J.P. Morgan Bank Luxembourg S.A.
A registered charge—21/09/202012/06/2024

Recent filings (28 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-17
change-person-director-company-with-change-date
officers · CH01
2026-04-15
change-person-director-company-with-change-date
officers · CH01
2025-04-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-02
mortgage-satisfy-charge-full
mortgage · MR04
2024-06-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-10-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-04-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-04-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2018-04-05