CARSS FINANCIAL PARTNERS LTD
- 64999Financial intermediation not elsewhere classified
- 65110Life insurance
Opportunity 75/100 (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: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. 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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 200 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 2 persons-with-significant-control
Corporate timeline (19 events)Click to expand
- 2026-01-14📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-01-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-31📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-31📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-08-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-06-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-08-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-01-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-01-27📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2019-07-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-05-31📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2017-12-19📄capital-allotment-sharescapital · SH01
- 2017-10-25🏢Company incorporatedAs CARSS FINANCIAL PARTNERS LTD
- 2017-10-25➕CARSS, Stephen appointeddirector
- 2017-10-25📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "CARSS" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stephen Carss Individual · British · DOB 08/1964 · age 62 | 50–75% | 75–100% | board control75-100% shares · 75-100% voting · board control | 25/10/2017 |
Mrs Claire Kathleen Carss Individual · British · DOB 12/1967 · age 59 | 25–50% | — | 25-50% shares | 14/01/2026 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · NE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BERNARD SAXON GENERAL INSURANCE SERVICES LIMITED→ 01823860 · est 1984 · no financials extracted | — | — | — | — | 41y | — | — |
| BRIDGE THE GAP FINANCE LTD→ 15931799 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CAPINC LIMITED→ 13130826 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CEE JAY BEE FINANCE LTD→ 06034374 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| CENTRAL INSURANCE CONSULTANTS LIMITED→ 03325637 · est 1997 · no financials extracted | — | — | — | — | 29y | — | — |
| CENTREFINANCE LIMITED→ 04931297 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| CEVIAN55 LTD→ 10085525 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| CFI 001 LIMITED→ 14995781 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CFS INDEPENDENT FINANCIAL ADVISERS LIMITED→ 10893142 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CHARIS INVESTMENT GROUP LIMITED→ 14917366 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CHARLES & CO. (CONSULTANTS) LIMITED→ 10334090 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CHATTON CAPITAL LTD→ 11536809 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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 →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
Registered office
Filing status
Officers (1 active · 0 resigned)
Click a director name to see their full track record across all companies.