COMMERCIAL FINANCE (MIDLANDS) LTD

🏛️Establishedactive

10891736 · ltd · incorporated 2017-07-31

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

77/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 77/100 (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: share sale to pe / searcher (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

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

18 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31
Average employees	2	200

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (13 events)Click to expand

2025-12-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-12-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-03-22
📄
change-account-reference-date-company-current-shortened
accounts · AA01
2017-07-31
🏢
Company incorporated
As COMMERCIAL FINANCE (MIDLANDS) LTD
2017-07-31
➕
WYKES, Maryann Nichola appointed
director
2017-07-31
➕
WYKES, Matthew Steven appointed
director
2017-07-31
📄
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 58 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

46/100

Moderate signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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

Name	Shares	Voting rights	Nature of control	Notified
Mr Matthew Steven Wykes Individual · British · DOB 10/1968 · age 58	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	31/07/2017
Mrs Maryann Nichola Wykes Individual · British · DOB 09/1974 · age 52	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	31/07/2017

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

Similar companies

Active · Financial services · WR postcode area

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AJG ACTUARIAL LTD→ 10878661 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
ASTUTE WEALTH MANAGEMENT LTD→ 06747603 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
BLACKSTONE INDEPENDENT FINANCIAL ADVISERS (MIDLANDS) LIMITED→ 08192579 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
BOBWHO LTD→ 14246698 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
BRITANNIC PLACE HOLDINGS LIMITED→ 13232630 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
BULL&GRACE LTD→ 15606733 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
CELESTIA CAPITAL PARTNERS LIMITED→ 16790055 · est 2025 · no financials extracted	—	—	—	—	—	—	—
CHARIE LIMITED→ 12321632 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
CLEARPATH MORTGAGES AND PROTECTION LTD→ 16245523 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
CLEARPRIME LIMITED→ 02551723 · est 1990 · no financials extracted	—	—	—	—	35y	—	—
COLUMBIA 50TH INVESTMENT LTD→ 12327471 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
D3 SECURITIES LTD→ 16219071 · est 2025 · no financials extracted	—	—	—	—	1y	—	—

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.

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🔒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.

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Company details

Statusactive

Typeltd

Incorporated2017-07-31

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

60 Leigh Sinton Road

Malvern

WR14 1JR

United Kingdom

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-08-13

Last: 2025-07-30

Officers (2 active · 0 resigned)

WYKES, Maryann Nichola→

director · ~52y · appointed 2017-07-31

View their other companies + combined net worth →

Active

WYKES, Matthew Steven→

director · ~58y · appointed 2017-07-31

View their other companies + combined net worth →

Active

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