CONSOLIDATED FINANCIAL MANAGEMENT LIMITED

🌳Matureactive
03060357 · ltd · incorporated 1995-05-23
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 May 2025
Net worth
£-4.5k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 62). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (76/100)

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
10 officers (2 active, 10 linked, 6 with DOB)
82
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
83 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Negative net assets
Liabilities exceed assets by £4,526
Net assets shrinking
Down £11,094 YoY
Cash YoY
-23%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£12k
↓ 23% YoY
Net Worth
-£5k
↓ 169% YoY
Current Assets
£12k
↓ 23% YoY
Current Liabilities
—
-£5k-£568£3k£7k£11k£15kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-05-312024-05-31
Total assets£-4.5k£6.6k
Current assets£11.7k£15.3k
Cash£11.7k£15.3k
Net assets£-4.5k£6.6k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
  1. 2025-09-16
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2024-12-16
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2023-11-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2022-10-02
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2022-05-31
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  6. 2022-05-30
    ➖
    TUCHBANDS ACCOUNTING SERVICES LIMITED resigned
    corporate-secretary
  7. 2022-01-19
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2020-10-07
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2020-02-18
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2018-12-02
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2017-11-10
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2017-01-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-05-26
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-12-11
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-07-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2015-07-02
    ➕
    MINKIN, Linda Isabel appointed
    director
  17. 2015-05-27
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  18. 2014-07-15
    ➖
    MINKIN, Linda Isabel resigned
    director
  19. 2014-05-01
    ➕
    MINKIN, Linda Isabel appointed
    director
  20. 2009-11-03
    ➕
    TUCHBANDS ACCOUNTING SERVICES LIMITED appointed
    corporate-secretary
  21. 2009-02-12
    ➖
    MINKIN, Sharon Lynn resigned
    secretary
  22. 2009-02-12
    ➖
    MINKIN, Sharon Lynn resigned
    director
  23. 2004-10-07
    ➖
    RIAT, Trilochan Singh resigned
    director
  24. 2004-06-24
    ➕
    RIAT, Trilochan Singh appointed
    director
  25. 1998-09-23
    ➕
    MINKIN, Sharon Lynn appointed
    director
  26. 1996-11-07
    ➖
    MINKIN, Gary Paul resigned
    secretary
  27. 1996-11-07
    ➕
    MINKIN, Sharon Lynn appointed
    secretary
  28. 1995-07-12
    ➖
    O RINN, Aodhan Feidlim resigned
    director
  29. 1995-05-24
    ➖
    MATTHEWS, David Steven resigned
    secretary
  30. 1995-05-24
    ➕
    MINKIN, Gary Paul appointed
    secretary
  31. 1995-05-23
    🏢
    Company incorporated
    As CONSOLIDATED FINANCIAL MANAGEMENT LIMITED
  32. 1995-05-23
    ➕
    MINKIN, Gary Paul appointed
    director
  33. 1995-05-23
    ➕
    MATTHEWS, David Steven appointed
    secretary
  34. 1995-05-23
    ➕
    O RINN, Aodhan Feidlim appointed
    director

Owner dependency

84/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 31 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 31 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Gary Paul Minkin
Individual · British · DOB 03/1964 · age 62
——sig. influencesignificant influence01/06/2016

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

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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
Incorporated1995-05-23
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Centurion Court
83 Camp Road
St Albans
Herts
AL1 5JN

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-06-01
Last: 2026-05-18

Officers (2 active · 8 resigned)

MINKIN, Gary Paul→
director · ~62y · appointed 1995-05-23
View their other companies + combined net worth →
Active
MINKIN, Linda Isabel→
director · ~61y · appointed 2015-07-02
View their other companies + combined net worth →
Active
MATTHEWS, David Steven→
secretary · appointed 1995-05-23 · resigned 1995-05-24
Resigned
MINKIN, Gary Paul→
secretary · appointed 1995-05-24 · resigned 1996-11-07
Resigned
MINKIN, Sharon Lynn→
secretary · appointed 1996-11-07 · resigned 2009-02-12
Resigned
TUCHBANDS ACCOUNTING SERVICES LIMITED→
corporate-secretary · appointed 2009-11-03 · resigned 2022-05-30
Resigned
MINKIN, Linda Isabel→
director · ~61y · appointed 2014-05-01 · resigned 2014-07-15
Resigned
MINKIN, Sharon Lynn→
director · ~63y · appointed 1998-09-23 · resigned 2009-02-12
Resigned
O RINN, Aodhan Feidlim→
director · ~69y · appointed 1995-05-23 · resigned 1995-07-12
Resigned
RIAT, Trilochan Singh→
director · ~76y · appointed 2004-06-24 · resigned 2004-10-07
Resigned

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

Recent filings (83 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-11-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-25
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-10-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-27
termination-secretary-company-with-name-termination-date
officers · TM02
2022-05-31
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-01-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-10-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-02-18