CARTER THOMPSON & ASSOCIATES LIMITED
🌳Matureactive
09040400 · ltd · incorporated 2014-05-14
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 9.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 60-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (65/100, director aged 60). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 9.5y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.5 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 2 with DOB)
80
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
44 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
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
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
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 | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Average employees | 1400 | 1600 |
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
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-04-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-01-30🔓Charge satisfied #2
- 2024-04-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-26📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-03-26📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-02-01➕CARTER, Deborah Cecilia appointedsecretary
- 2024-02-01➕THOMPSON, Gillian appointedsecretary
- 2023-03-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-09📄resolutionresolution · RESOLUTIONS
- 2022-04-09📄memorandum-articlesincorporation · MA
- 2022-04-09📄capital-name-of-class-of-sharescapital · SH08
- 2022-04-09📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2022-04-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2022-04-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-04-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-04-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-21🔒Charge registered #2Lender: Openwork Services Limited
- 2020-02-11🔓Charge satisfied #1
- 2016-11-21🔒Charge registered #1Lender: National Westminster Bank PLC
- 2014-05-14🏢Company incorporatedAs CARTER THOMPSON & ASSOCIATES LIMITED
- 2014-05-14➕CARTER, Andrew Keith appointeddirector
- 2014-05-14➕THOMPSON, Steven John 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 name in company name: Company name contains director surname "CARTER" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- 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.)
Group structure
Cta Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Cta Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
CARTER THOMPSON & ASSOCIATES LIMITED
This company · 09040400
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Cta Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 04/04/2022 |
2 historic (ceased) PSCs
- Mr Andrew Keith Carterceased 04/04/2022· 25-50% shares
- Mr Steven Thompsonceased 04/04/2022· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · DL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ADVANCED MORTGAGE SOLUTIONS NORTH EAST LIMITED→ 13421800 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ARTEMIS FINANCIAL SERVICES LIMITED→ 15332125 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| B. PORTWOOD & COMPANY LIMITED→ 00785468 · est 1963 · no financials extracted | — | — | — | — | 62y | — | — |
| BAINES BROKERS LTD→ 16355008 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BANNATYNE FINANCE LIMITED→ 12318009 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BRIGANTIA CAPITAL LTD→ 14959005 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CANNIE INVESTMENTS LIMITED→ 13044020 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CARDIFF MONEY LIMITED→ 12182786 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CASTLE SAFETY & RISK SERVICES LTD→ 10773479 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CHARLEAN LIMITED→ 14306493 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CHR INVESTMENT SOLUTIONS LIMITED→ 15587140 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| CLAIRE HOGG MORTGAGES & PROTECTION LIMITED→ 11826805 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2014-05-14
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
64 West Auckland Road
Darlington
County Durham
DL3 9EP
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-06-22
Last: 2025-06-08
Officers (4 active · 0 resigned)
CARTER, Deborah Cecilia→
Activesecretary · appointed 2024-02-01
View their other companies + combined net worth →
Active
CARTER, Andrew Keith→
Activedirector · ~60y · appointed 2014-05-14
View their other companies + combined net worth →
THOMPSON, Steven John→
Activedirector · ~56y · appointed 2014-05-14
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Openwork Services Openwork Services Limited | A registered charge | — | 21/04/2020 | 30/01/2025 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 21/11/2016 | 11/02/2020 |
Recent filings (44 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-21
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-25
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-16
appoint-person-secretary-company-with-name-date
officers · AP03
2024-03-26
appoint-person-secretary-company-with-name-date
officers · AP03
2024-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-21
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-26
resolution
resolution · RESOLUTIONS
2022-04-09
memorandum-articles
incorporation · MA
2022-04-09
capital-name-of-class-of-shares
capital · SH08
2022-04-09