CSB FINANCIAL SERVICES LIMITED

🌳Matureactive
09876120 · ltd · incorporated 2015-11-17
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 2026
Net worth
£52.6k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 72-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 72). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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
3 officers (3 active, 3 linked, 2 with DOB)
83
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
27 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
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
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £52,642
Cash YoY
+1%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£58k
↑ 1.5% YoY
Net Worth
£53k
↑ 3.0% YoY
Current Assets
—
Current Liabilities
—
£0£12k£23k£35k£47k£58kApr 2025Apr 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-04-052025-04-05
Total assets£52.6k£51.1k
Cash£58.2k£57.4k
Net assets£52.6k£51.1k

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
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2026-05-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-06-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-11-15
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2024-05-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-06-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-04-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2023-04-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2023-04-01
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  9. 2022-05-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-05-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-10-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-10-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-10-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-07-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2016-11-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2015-11-17
    🏢
    Company incorporated
    As CSB FINANCIAL SERVICES LIMITED
  17. 2015-11-17
    ➕
    JOSEPH, Sandra Ann Ellen appointed
    secretary
  18. 2015-11-17
    ➕
    JOSEPH, Charles Glen appointed
    director
  19. 2015-11-17
    ➕
    JOSEPH, Sandra Ann Ellen appointed
    director

Owner dependency

81/100
Critical — business is the founder

The 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 age: Director aged approximately 72 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

71/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
  • 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 Sandra Ann Ellen Joseph
Individual · British · DOB 04/1967 · age 59
25–50%
—25-50% shares · firm interest15/11/2024
Mr Charles Glen Joseph
Individual · British · DOB 05/1954 · age 72
25–50%
—25-50% shares06/04/2016

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
Incorporated2015-11-17
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

54 Sun Street
Waltham Abbey
Essex
EN9 1EJ

Filing status

Accounts
Next due: 2028-01-05
Last made up to: 2026-04-05
Confirmation statement
Next due: 2026-11-29
Last: 2025-11-15

Officers (3 active · 0 resigned)

JOSEPH, Sandra Ann Ellen→
secretary · appointed 2015-11-17
View their other companies + combined net worth →
Active
JOSEPH, Charles Glen→
director · ~72y · appointed 2015-11-17
View their other companies + combined net worth →
Active
JOSEPH, Sandra Ann Ellen→
director · ~59y · appointed 2015-11-17
View their other companies + combined net worth →
Active

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

Recent filings (27 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-21
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-12
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-15
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-11-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-02
change-person-director-company-with-change-date
officers · CH01
2023-04-01
change-person-director-company-with-change-date
officers · CH01
2023-04-01
change-person-secretary-company-with-change-date
officers · CH03
2023-04-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-27