CARD PROTECTION PLAN LIMITED

🌳Matureactive

01490503 · ltd · incorporated 1980-04-14

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

—

not disclosed

Net worth

—

book net assets

Opportunity

70/100

Strong

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What this business does

Primary activity: Non-life insurance

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 70/100 (strong), bankability 77/100. Strong seller-intent signal (65/100, director aged 75). Biggest value-creation lever: Consolidate lender relationships. 10 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

17 live charges · 10 lenders · oldest 41.4y

25/100

too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

· Oldest live charge is 41.4 years old — likely at or near maturity.
· 10 lenders named — inter-creditor friction likely.
· Legal-friction score 45/100 (high).

Data confidence

Overall: medium (60/100)

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

No iXBRL financials extracted

Lenders & charges

17 charges (17/17 with lender, 17/17 with type)

Directors & officers

57 officers (5 active, 57 linked, 47 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

12 connected companies via shared directors

Filing history

276 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

70/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

• 2 capital
• 1 insolvency
• 1 resolution

Last 180 days

filings

• 7 mortgage
• 2 capital
• 1 insolvency

Counts from Companies House filing history.

Corporate timeline (162 events)Click to expand

2026-02-05
📄
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2026-02-05
📄
legacy
capital · SH20
2026-02-05
⚠️
legacy
insolvency · CAP-SS
2026-02-05
📄
resolution
resolution · RESOLUTIONS
2026-02-03
📄
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2025-12-01
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-11-06
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-06
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-06
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-06
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-06
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-06
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-06
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-06
🔓
Charge satisfied #18
2025-11-06
🔓
Charge satisfied #17
2025-11-06
🔓
Charge satisfied #16
2025-11-06
🔓
Charge satisfied #15
2025-11-06
🔓
Charge satisfied #14
2025-11-06
🔓
Charge satisfied #13
2025-11-06
🔓
Charge satisfied #12
2025-10-13
➕
MORRISON, David appointed
director
2025-10-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-01
📄
change-person-director-company-with-change-date
officers · CH01
2025-09-01
📄
change-person-director-company-with-change-date
officers · CH01
2025-09-01
📄
change-person-secretary-company-with-change-date
officers · CH03
2025-09-01
📍
change-sail-address-company-with-old-address-new-address
address · AD02
2025-09-01
📍
move-registers-to-sail-company-with-new-address
address · AD03
2025-09-01
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-10
📄
accounts-with-accounts-type-full
accounts · AA
2024-12-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-12-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-12-06
➕
ATHERTON, Sarah Elizabeth appointed
director
2024-12-06
➖
FLASH, Victoria resigned
director
2024-02-12
➖
PYPER, Simon John resigned
director
2023-11-14
➕
FLASH, Victoria appointed
director
2023-06-14
🔒
Charge registered #18
Lender: Barclays Bank PLC (As Security Agent)
2022-06-07
➕
FERGUSON, Andrew Kerr Adam appointed
director
2022-06-07
➖
CARTER, Carl Steven resigned
director
2022-02-16
➕
PYPER, Simon John appointed
director
2022-02-16
➖
WALSH, Jason Carl resigned
director
2021-10-06
➕
CIFUENTES, Luisa appointed
director
2021-10-06
➖
FERGUSON, Andrew Kerr Adam resigned
director
2021-07-20
➕
CARTER, Carl Steven appointed
director
2021-07-20
➖
MOUNCEY, Stephen David resigned
director
2021-01-01
➕
ATHERTON, Sarah Elizabeth appointed
secretary
2020-12-31
➖
BEAVIS, Lorraine Grace resigned
secretary
2019-11-29
➖
WHITFIELD, Michael Peter resigned
director
2019-08-14
➕
MOUNCEY, Stephen David appointed
director
2019-07-01
➖
ROSS, David Anthony resigned
director
2019-07-01
➕
WHITFIELD, Michael Peter appointed
director

Showing most recent 50 of 162 events

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 75 — succession pressure is live.

Succession & seller-readiness

60/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.

Red flags

1 high · 1 med · 1 low

1 insolvency-related filing on record

high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2026-02-05: legacy

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Multiple registered office changes

low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Group structure

Cpp Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Cpp Holdings Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

CARD PROTECTION PLAN LIMITED

This company · 01490503

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Cpp Holdings Limited Corporate entity	75–100%	—	75-100% shares	06/04/2016

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

8 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.

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Company details

Statusactive

Typeltd

Incorporated1980-04-14

Jurisdictionengland-wales

Primary SIC65120 — Non-life insurance

Registered office

19th Floor 51 Lime Street

London

EC3M 7DQ

United Kingdom

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-01-28

Last: 2026-01-14