CAPITAL BUSINESS LOANS LIMITED
🌿Early-stageactive
14491729 · ltd · incorporated 2022-11-18
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2025
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 70/100 (strong), bankability 70/100. 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, 3 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
12 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-11-30 | 2024-11-30 |
|---|---|---|
| Average employees | 300 | 300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 2 capital
Last 180 days
2
filings
- • 2 capital
Counts from Companies House filing history.
Corporate timeline (13 events)Click to expand
- 2026-04-21📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2026-04-21📄capital-name-of-class-of-sharescapital · SH08
- 2026-01-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-12-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-12-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-11-18🏢Company incorporatedAs CAPITAL BUSINESS LOANS LIMITED
- 2022-11-18➕EMMERSON, Simon David appointeddirector
- 2022-11-18➕PARRY, Beth appointeddirector
- 2022-11-18➕YATES, Andrew Ian appointeddirector
- 2022-11-18📄incorporation-companyincorporation · NEWINC
Owner dependency
50/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Ian Yates Individual · British · DOB 04/1992 · age 34 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 18/11/2022 |
Mr Simon David Emmerson Individual · British · DOB 09/1971 · age 55 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 18/11/2022 |
Miss Beth Parry Individual · British · DOB 04/1997 · age 29 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 18/11/2022 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · CH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BRIDGING QUICKLY LIMITED→ 13014051 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BROOKDALE IFP LIMITED→ 07954757 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| BROOM INVESTMENT SOLUTIONS LTD→ 09189511 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| BUSINESS FINANCE HOUSE LIMITED→ 12777443 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CALLIDA FINANCE GROUP LTD→ 13920361 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CAN DO PAYMENTS LTD→ 11701057 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CARL C. GRANT FINANCIAL SOLUTIONS LIMITED→ 09782071 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CARTWRIGHT FIC LIMITED→ 15266328 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CASHIN GREEN COMMERCIAL SERVICES LTD→ 16123332 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CASTLE GANT LIMITED→ 06737220 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| CC PRIVATE FINANCE LIMITED→ 16354421 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CDP NORTH WEST INVESTMENTS LTD→ 10493291 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2022-11-18
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Capital Business Loans Limited Suite 31
Shiftworks, 14 Upper Northgate Street
Chester
CH1 4EE
United Kingdom
Filing status
Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2026-12-01
Last: 2025-11-17
Officers (3 active · 0 resigned)
EMMERSON, Simon David→
Activedirector · ~55y · appointed 2022-11-18
View their other companies + combined net worth →
Active
YATES, Andrew Ian→
Activedirector · ~34y · appointed 2022-11-18
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (12 total)
capital-variation-of-rights-attached-to-shares
capital · SH10
2026-04-21
capital-name-of-class-of-shares
capital · SH08
2026-04-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-01-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-25
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-18
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-12-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-12-21
incorporation-company
incorporation · NEWINC
2022-11-18