A C & J FINANCIAL SERVICES LTD

🌳Matureactive
10113380 · ltd · incorporated 2016-04-08
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
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 70). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (76/100)

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
Network not yet resolved
30
Filing history
22 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 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
Average employees200200

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 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (16 events)Click to expand
  1. 2025-07-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-05-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-04-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-04-13
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  5. 2022-04-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-04-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-05-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-05-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-08-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-05-17
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  12. 2016-04-08
    🏢
    Company incorporated
    As A C & J FINANCIAL SERVICES LTD
  13. 2016-04-08
    ➕
    GILMORE, Linda appointed
    secretary
  14. 2016-04-08
    ➕
    GILMORE, Austin Hamilton appointed
    director
  15. 2016-04-08
    ➕
    GILMORE, Linda appointed
    director
  16. 2016-04-08
    📄
    incorporation-company
    incorporation · NEWINC

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 70 — 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 70 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
Mr Austin Hamilton Gilmore
Individual · British · DOB 10/1956 · age 70
50–75%
—50-75% shares08/04/2016
Mrs Linda Gilmore
Individual · British · DOB 05/1959 · age 67
25–50%
25–50%25-50% shares · 25-50% voting08/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Financial services · CF postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
A D ASSET MANAGEMENT LTD→
11532681 · est 2018 · no financials extracted
————7y——
A&P FIRE SOLUTIONS LTD→
16978168 · est 2026 · no financials extracted
———————
AA HOLDINGS BRIDGEND LTD→
15750510 · est 2024 · no financials extracted
————1y——
ABBY LEWIS CONSULTING LTD.→
09125911 · est 2014 · no financials extracted
————11y——
ABZ ALPHA LTD→
15330908 · est 2023 · no financials extracted
————2y——
ACURA MORTGAGE & LIFE LTD→
15796826 · est 2024 · no financials extracted
————1y——
ADMIRAL FINANCIAL SERVICES LIMITED→
10255225 · est 2016 · no financials extracted
————9y——
ADMIRAL GROUP PLC→
03849958 · est 1999 · no financials extracted
————26y——
ADMIRAL INSURANCE COMPANY LIMITED→
04080051 · est 2000 · no financials extracted
————25y——
ADRIAN HORNETT WEALTH MANAGEMENT LTD→
11770173 · est 2019 · no financials extracted
————7y——
AEGIS FINANCIAL SERVICES LIMITED→
15494104 · est 2024 · no financials extracted
————2y——
AEVITAS WEALTH LTD→
09790774 · est 2015 · no financials extracted
————10y——
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
Incorporated2016-04-08
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Clifton House
Four Elms Road
Cardiff
S. Wales
CF24 1LE
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-21
Last: 2026-04-07

Officers (3 active · 0 resigned)

GILMORE, Linda→
secretary · appointed 2016-04-08
View their other companies + combined net worth →
Active
GILMORE, Austin Hamilton→
director · ~70y · appointed 2016-04-08
View their other companies + combined net worth →
Active
GILMORE, Linda→
director · ~67y · appointed 2016-04-08
View their other companies + combined net worth →
Active

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

Recent filings (22 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-13
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-04-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-05-15