CDB FINANCE LIMITED
🌳Matureactive
08933252 · ltd · incorporated 2014-03-11
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 Mar 2025
Net worth
£180.4k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle 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 (65/100).
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
29 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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £180,426
Net assets shrinking
Down £8,532 YoY
Cash YoY
-12%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£171k
↓ 12% YoY
Net Worth
£180k
↓ 4.5% YoY
Current Assets
£231k
↓ 5.3% 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 | £185.0k | £199.4k |
| Current assets | £231.1k | £243.9k |
| Cash | £171.3k | £193.9k |
| Debtors | £59.8k | £50.0k |
| Net assets | £180.4k | £189.0k |
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-25📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-03-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-25➕BARNBROOK, Kate Olivia appointeddirector
- 2023-01-08📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2022-10-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-08-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-07-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2014-03-11🏢Company incorporatedAs CDB FINANCE LIMITED
- 2014-03-11➕BARNBROOK, Craig Daniel appointeddirector
Owner dependency
71/100
High — earn-out structure requiredMaterial 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.
- +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
49/100
Moderate signalSome 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 12 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 Kate Olivia Barnbrook Individual · British · DOB 01/1987 · age 39 | 25–50% | — | 25-50% shares | 15/04/2024 |
Mr Craig Daniel Barnbrook Individual · British · DOB 03/1985 · age 41 | 25–50% | — | 25-50% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| ARMCHAIR ADVISER LTD→ 15852316 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BLACK MANOR LIMITED→ 07670717 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BOSS RISK SOLUTIONS LTD→ 13214543 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CAMPBELLS INSURANCE CONSULTANTS LIMITED→ 01552025 · est 1981 · no financials extracted | — | — | — | — | 45y | — | — |
| CJP FINANCIAL PLANNING LTD→ 08379265 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| COLLECTIVE FINANCIAL PLANNING LIMITED→ 07941711 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| COOPER ASSET MANAGEMENT LTD→ 14430691 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| D&HJ BENNETT LTD→ 17118624 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| DAINS BUSINESS RECOVERY LIMITED→ 13577386 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| DAVID BURGESS INVESTMENTS LIMITED→ 14276055 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DAVID LEIGH ASSOCIATES LIMITED→ 08331445 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| DELPHIC FINANCIAL PLANNING LIMITED→ 06613871 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
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
Incorporated2014-03-11
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
6 Nirvana Close
Cannock
Staffordshire
WS11 1HT
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-25
Last: 2026-03-11
Officers (2 active · 0 resigned)
BARNBROOK, Craig Daniel→
Activedirector · ~41y · appointed 2014-03-11
View their other companies + combined net worth →
BARNBROOK, Kate Olivia→
Activedirector · ~39y · appointed 2023-09-25
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (29 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-27
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-03-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-26
appoint-person-director-company-with-name-date
officers · AP01
2023-10-17
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-20
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2023-01-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-13