CAVANAGH FINANCIAL MANAGEMENT LIMITED
🌳Matureactive
SC096918 · ltd · incorporated 1986-01-22
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 22.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
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 bankable structure.
Opportunity 72/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · oldest 22.3y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 22.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 20/100 — clean.
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
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
56 officers (3 active, 56 linked, 45 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
240 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 officers
Last 180 days
4
filings
- • 2 officers
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (129 events)Click to expand
- 2026-02-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-12➖PARRY, Catherine Jane resigneddirector
- 2025-12-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-11-13📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-06-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-06-10➕THOMAS, Andrew Rees appointeddirector
- 2025-05-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-04-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-03-17📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2024-12-09📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-04-19📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-04-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-17➕EDMEADS, John appointeddirector
- 2024-04-17➖WALLACE, Iain Paul resigneddirector
- 2023-08-23📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-06-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-12-01📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-10-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-03-04➖ANDREW, Martin resigneddirector
- 2022-03-04➕PARRY, Catherine Jane appointeddirector
- 2022-03-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-03-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-12-08📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-09-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-09-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-09-20➕ANDREW, Martin appointeddirector
- 2021-09-20➖CUMMING, Andrew William resigneddirector
- 2019-05-09➕CUMMING, Andrew William appointeddirector
- 2019-05-09➖HEATH, David John resigneddirector
- 2019-01-18➖DAVIS, Edward Becton resigneddirector
- 2019-01-18➕HEATH, David John appointeddirector
- 2018-03-16➖CURRY, Richard Ian resigneddirector
- 2018-03-16➕WALLACE, Iain Paul appointeddirector
- 2016-05-06➖CLARKE, Gillian Marjorie resigneddirector
- 2014-07-08➖FAY, Andrew Steven resigneddirector
- 2014-03-15🔓Charge satisfied #3
- 2014-03-15🔓Charge satisfied #2
- 2012-07-25➕DAVIS, Edward Becton appointeddirector
- 2012-03-01➖CHAMBERS, Paul Stuart resigneddirector
- 2011-08-19➕LEWIS, Jessica Abigail May appointedsecretary
- 2011-08-19➖HENSON, Ian Robert resignedsecretary
- 2011-08-19➖HENSON, Ian Robert resigneddirector
- 2011-07-15➖MENDEL, Steven Paul resigneddirector
- 2011-06-22➕CHAMBERS, Paul Stuart appointeddirector
- 2011-06-22➕CLARKE, Gillian Marjorie appointeddirector
- 2011-06-22➕CURRY, Richard Ian appointeddirector
- 2011-06-22➖GILLESPIE, Charles resigneddirector
- 2011-06-22➕MENDEL, Steven Paul appointeddirector
- 2011-06-22➖MILLARD, Neill Haverland resigneddirector
Showing most recent 50 of 129 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Trinitybridge Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Trinitybridge Holdings Limited
Corporate parent · holds 75-100% shares
⬇
CAVANAGH FINANCIAL MANAGEMENT LIMITED
This company · SC096918
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 |
|---|---|---|---|---|
Trinitybridge Holdings Limited Corporate entity | 75–100% | — | 75-100% shares | 13/04/2016 |
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 →Similar companies
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|---|---|---|---|---|---|---|---|
| BRAVO (DRINKS) LIMITED→ SC669698 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BREICH BUILDING COMPANY LIMITED→ SC442841 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| BRIDGEPOINT EUROPE (SGP) LTD→ SC332267 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| BRIDGEPOINT EUROPE IV FP (GP) LIMITED→ SC330160 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| BRIDGEPOINT PRIVATE EQUITY (SPAIN) FP GP LIMITED→ SC867986 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BURNETT FINANCIAL SERVICES LIMITED→ SC392373 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| BUSINESS ANGELS LTD→ SC781782 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CANINVEST LIMITED→ SC694846 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CASTLE OPERATIONS LTD→ SC381111 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| CC ADVISER LTD→ SC805857 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| CHANROSSA GROUP LIMITED→ SC499950 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
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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.
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
Incorporated1986-01-22
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
60 Melville Street
Edinburgh
Scotland
EH3 7HF
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-19
Last: 2025-12-05
Officers (3 active · 53 resigned)
LEWIS, Jessica Abigail May→
Activesecretary · appointed 2011-08-19
View their other companies + combined net worth →
EDMEADS, John→
Activedirector · ~44y · appointed 2024-04-17
View their other companies + combined net worth →
THOMAS, Andrew Rees→
Activedirector · ~48y · appointed 2025-06-10
View their other companies + combined net worth →
FRANKLIN, Tim→
Resignedsecretary · appointed 1990-01-24 · resigned 1990-11-20
HENSON, Ian Robert→
Resignedsecretary · appointed 2005-04-08 · resigned 2011-08-19
KELLY, Jeffrey Gordon→
Resignedsecretary · appointed 1990-11-21 · resigned 1991-03-08
MCMENEMY, Peter→
Resignedsecretary · resigned 1990-01-24
PROVAN, Alexander Shaw→
Resignedsecretary · appointed 1995-10-16 · resigned 2005-04-08
RUSSELL, Thomas Moore→
Resignedsecretary · appointed 1991-03-08 · resigned 1995-10-16
ANDREW, Martin→
Resigneddirector · ~63y · appointed 2021-09-20 · resigned 2022-03-04
BARTON, Alan John→
Resigneddirector · ~77y · appointed 1999-07-28 · resigned 2003-12-19
BIRCH, Trevor Nigel→
Resigneddirector · ~68y · appointed 1994-11-28 · resigned 1998-11-30
CHAMBERS, Paul Stuart→
Resigneddirector · ~59y · appointed 2011-06-22 · resigned 2012-03-01
CLARKE, Gillian Marjorie→
Resigneddirector · ~66y · appointed 2011-06-22 · resigned 2016-05-06
CUMMING, Andrew William→
Resigneddirector · ~60y · appointed 2019-05-09 · resigned 2021-09-20
CURRY, Richard Ian→
Resigneddirector · ~63y · appointed 2011-06-22 · resigned 2018-03-16
DAVIS, Edward Becton→
Resigneddirector · ~58y · appointed 2012-07-25 · resigned 2019-01-18
DAVIS, Michael Ian→
Resigneddirector · ~81y · appointed 1996-07-01 · resigned 1997-12-31
FAIRBAIRN, Douglas Mackay→
Resigneddirector · ~78y · resigned 2002-11-11
FAY, Andrew Steven→
Resigneddirector · ~61y · appointed 2003-12-19 · resigned 2014-07-08
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Security assignment of debts | 1 property | 19/12/2003 | 15/03/2014 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Assignation in security of debts | 1 property | 19/12/2003 | 15/03/2014 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 1 property | 19/12/2003 | 17/11/2006 |
Recent filings (240 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-02-16
accounts-with-accounts-type-dormant
accounts · AA
2025-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-05
change-person-secretary-company-with-change-date
officers · CH03
2025-11-13
appoint-person-director-company-with-name-date
officers · AP01
2025-06-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-05-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-04-10
change-account-reference-date-company-current-shortened
accounts · AA01
2025-03-17
accounts-with-accounts-type-dormant
accounts · AA
2024-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-05
accounts-with-accounts-type-dormant
accounts · AA
2024-04-19
appoint-person-director-company-with-name-date
officers · AP01
2024-04-18
termination-director-company-with-name-termination-date
officers · TM01
2024-04-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-05
change-person-secretary-company-with-change-date
officers · CH03
2023-08-23