CHEERBROOK ASSET FINANCE LTD
🌳Matureactive
09439222 · ltd · incorporated 2015-02-13
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 Apr 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company 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
30 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.
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 · accounting standard unknown| Metric | 2025-04-05 | 2024-04-05 |
|---|---|---|
| Average employees | 0 | 100 |
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
6
filings
- • 2 persons-with-significant-control
- • 1 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2026-03-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-03-12📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-12📄capital-allotment-sharescapital · SH01
- 2025-12-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-18➕CHIU, Vicky appointeddirector
- 2025-02-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-18✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2023-01-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-06-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-06-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-01-07📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2018-11-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2015-02-13🏢Company incorporatedAs CHEERBROOK ASSET FINANCE LTD
- 2015-02-13➕CLARK, Samuel James Michael appointeddirector
Owner dependency
63/100
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.
- +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
41/100
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.
- 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 |
|---|---|---|---|---|
Mr Samuel James Michael Clark Individual · English · DOB 12/1987 · age 39 | 50–75% | — | 50-75% shares | 06/12/2016 |
Ms Vicky Chiu Individual · British · DOB 10/1982 · age 44 | 25–50% | — | 25-50% shares | 06/04/2025 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| BACK OFFICE SUPPORT SERVICES LIMITED→ 03600810 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| BARNETT JONES & COOKE LIMITED→ 03719711 · est 1999 · no financials extracted | — | — | — | — | 27y | — | — |
| BEST BROKERS LTD→ 08002946 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| BLUE SKY NINE LIMITED→ 15935424 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BURFIELD FINANCIAL PLANNING LIMITED→ 07177075 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| C S FINANCIAL PLANNING LIMITED→ 07060621 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CHALKLIN INVESTMENTS LTD→ 14852812 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CHAMELO MORTGAGE BROKERS LTD→ 12806129 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CHESHIRE AND WARRINGTON DF (GP) LIMITED→ 12225197 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CHESHIRE FINANCIAL & FAMILY SERVICES LIMITED→ 12213041 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CHESHIRE HEALTHCHOICE LIMITED→ 05599775 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| CHRISTOPHER SMITH LIMITED→ 08671547 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
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
Incorporated2015-02-13
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
11 Bebbington Way
Willaston
Nantwich
CW5 7TH
England
Filing status
Accounts
Next due: 2027-01-05
Last made up to: 2025-04-05
Confirmation statement
Next due: 2027-02-27
Last: 2026-02-13
Officers (2 active · 0 resigned)
Active
CLARK, Samuel James Michael→
Activedirector · ~39y · appointed 2015-02-13
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (30 total)
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-03-12
change-person-director-company-with-change-date
officers · CH01
2026-03-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-12
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-12
capital-allotment-shares
capital · SH01
2026-03-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-23
appoint-person-director-company-with-name-date
officers · AP01
2025-02-18
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-11
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-05
certificate-change-of-name-company
change-of-name · CERTNM
2023-04-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-27
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-18