COX LCF LTD

🌳Matureactive
09353678 · ltd · incorporated 2014-12-12
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 Jan 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (79/100)

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
8 officers (3 active, 8 linked, 4 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
43 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
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-01-312024-01-31
Average employees00

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

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 (30 events)Click to expand
  1. 2025-12-19
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-10-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-05-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-05-07
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  5. 2024-04-06
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  6. 2024-04-05
    ➕
    D&B COX (HOLDINGS) LTD appointed
    corporate-secretary
  7. 2024-04-05
    📄
    appoint-corporate-secretary-company-with-name-date
    officers · AP04
  8. 2024-04-05
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  9. 2024-04-05
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2024-04-03
    ➕
    COX, Bernadette appointed
    director
  11. 2024-04-03
    ➖
    HOWARTH COX, Bernadette Mary resigned
    secretary
  12. 2023-02-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2022-06-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2021-05-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2020-10-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2019-09-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2019-08-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  18. 2019-08-27
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2018-11-27
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  20. 2018-05-25
    ➖
    GLYNN, Jacqueline Mary resigned
    director
  21. 2017-09-07
    ➕
    GLYNN, Jacqueline Mary appointed
    director
  22. 2017-01-24
    ➕
    HOWARTH COX, Bernadette Mary appointed
    secretary
  23. 2017-01-24
    ➖
    WROE, Janet Mary resigned
    secretary
  24. 2015-10-19
    ➖
    HOWARTH-COX, Bernie resigned
    secretary
  25. 2015-10-19
    ➕
    WROE, Janet Mary appointed
    secretary
  26. 2015-10-19
    ➖
    SCOTT, Russell resigned
    director
  27. 2014-12-12
    🏢
    Company incorporated
    As COX LCF LTD
  28. 2014-12-12
    ➕
    COX, David appointed
    director
  29. 2014-12-12
    ➕
    HOWARTH-COX, Bernie appointed
    secretary
  30. 2014-12-12
    ➕
    SCOTT, Russell appointed
    director

Owner dependency

73/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

61/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr David Andrew Cox
Individual · British · DOB 08/1959 · age 67
——sig. influencesignificant influence06/04/2016

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.

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
Typeltd
Incorporated2014-12-12
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

28 Orchard Road
Lytham St. Annes
FY8 1PF
England

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-12-12
Last: 2025-11-28

Officers (3 active · 5 resigned)

D&B COX (HOLDINGS) LTD→
corporate-secretary · appointed 2024-04-05
View their other companies + combined net worth →
Active
COX, Bernadette→
director · ~62y · appointed 2024-04-03
View their other companies + combined net worth →
Active
COX, David→
director · ~67y · appointed 2014-12-12
View their other companies + combined net worth →
Active
HOWARTH COX, Bernadette Mary→
secretary · appointed 2017-01-24 · resigned 2024-04-03
Resigned
HOWARTH-COX, Bernie→
secretary · appointed 2014-12-12 · resigned 2015-10-19
Resigned
WROE, Janet Mary→
secretary · appointed 2015-10-19 · resigned 2017-01-24
Resigned
GLYNN, Jacqueline Mary→
director · ~66y · appointed 2017-09-07 · resigned 2018-05-25
Resigned
SCOTT, Russell→
director · ~62y · appointed 2014-12-12 · resigned 2015-10-19
Resigned

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

Recent filings (43 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-19
change-person-director-company-with-change-date
officers · CH01
2025-12-19
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-18
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-10
change-account-reference-date-company-previous-extended
accounts · AA01
2024-05-07
certificate-change-of-name-company
change-of-name · CERTNM
2024-04-06
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-05
appoint-corporate-secretary-company-with-name-date
officers · AP04
2024-04-05
termination-secretary-company-with-name-termination-date
officers · TM02
2024-04-05
appoint-person-director-company-with-name-date
officers · AP01
2024-04-05
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-28
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-08
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-29