KFP CAMBRIDGE LIMITED

🌳Matureactive
09531102 · ltd · incorporated 2015-04-08
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
—
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Turnover
—
year to Mar 2025
Net worth
£14.4k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -30% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (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
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
1 connected companies via shared directors
48
Filing history
25 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.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £14,409
Net assets shrinking
Down £3,124 YoY
Cash YoY
-30%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£15k
↓ 30% YoY
Net Worth
£14k
↓ 18% YoY
Current Assets
£15k
↓ 31% YoY
Current Liabilities
—
£0£4k£9k£13k£17k£21kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£14.4k£17.5k
Current assets£14.8k£21.3k
Cash£14.8k£21.2k
Debtors—£85
Net assets£14.4k£17.5k

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
  1. 2025-11-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-01-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2019-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2018-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2017-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-04-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2016-11-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-11-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2016-04-13
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2016-03-22
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  15. 2015-04-08
    🏢
    Company incorporated
    As KFP CAMBRIDGE LIMITED
  16. 2015-04-08
    ➕
    TORRENS, Nicholas Henry Awbery appointed
    director
  17. 2015-04-08
    ➕
    TORRENS, Sheila Sarah Mary appointed
    director
  18. 2015-04-08
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

79/100
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.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

51/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Sheila Sarah Mary Torrens
Individual · British · DOB 10/1966 · age 60
25–50%
—25-50% shares08/04/2017
Mr Nicholas Henry Awbery Torrens
Individual · British · DOB 06/1964 · age 62
25–50%
—25-50% shares08/04/2017

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

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
Incorporated2015-04-08
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

4 Quern House Mill Court
Great Shelford
Cambridge
CB22 5LD
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-13
Last: 2026-03-30

Officers (2 active · 0 resigned)

TORRENS, Nicholas Henry Awbery→
director · ~62y · appointed 2015-04-08
View their other companies + combined net worth →
Active
TORRENS, Sheila Sarah Mary→
director · ~60y · appointed 2015-04-08
View their other companies + combined net worth →
Active

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

Recent filings (25 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-04-08