COMPASS FINANCIAL SOLUTIONS LIMITED
💤Zombieactive
04284518 · ltd · incorporated 2001-09-10
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£-47.5k
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 64). 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).
🏦
Refinance opportunity
1 live charge · oldest 24.6y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 24.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (1 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
84 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Negative net assets
Liabilities exceed assets by £47,482
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£47k
↓ 22% YoY
Current Assets
£139k
↑ 39% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £817.5k | £195.5k |
| Current assets | £139.3k | £100.3k |
| Net assets | £-47.5k | £-38.8k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2025-07-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-21📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-05-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-04-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-09-27📄change-person-director-company-with-change-dateofficers · CH01
- 2022-09-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-10-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-10-07📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-07-13📄change-person-director-company-with-change-dateofficers · CH01
- 2020-07-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-02-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-05-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-05-11🔓Charge satisfied #1
- 2015-12-01➖HISCOCK, Julie Patricia resignedsecretary
- 2012-06-27➕HISCOCK, Julie Patricia appointedsecretary
- 2012-06-27➖WINNETT, Hannah Danielle Ray resignedsecretary
- 2003-01-09➖WINNETT, Hannah Danielle Ray resigneddirector
- 2001-10-22🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2001-09-10🏢Company incorporatedAs COMPASS FINANCIAL SOLUTIONS LIMITED
- 2001-09-10➕WINNETT, Christopher Paul appointeddirector
- 2001-09-10➕DWYER, Daniel John appointednominee-secretary
- 2001-09-10➖DWYER, Daniel John resignednominee-secretary
- 2001-09-10➕WINNETT, Hannah Danielle Ray appointedsecretary
- 2001-09-10➕DWYER, Daniel James appointednominee-director
- 2001-09-10➖DWYER, Daniel James resignednominee-director
- 2001-09-10➕WINNETT, Hannah Danielle Ray appointeddirector
Owner dependency
93/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
95/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 25 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Christopher Paul Winnett Individual · British · DOB 07/1962 · age 64 | — | — | sig. influencesignificant influence | 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 →Similar companies
Active · Financial services · CB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ASE INTERNATIONAL LTD→ 11841295 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CMD INTELLIGENCE LTD→ 17033811 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| COINZ LIMITED→ 07076666 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CRAFTON LIMITED→ 03761201 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| CRAWFORD CAPITAL ADVISORS LIMITED→ 13498948 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CRISP CAPITAL LIMITED→ 11312813 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| CROCUS HOME LOANS LIMITED→ 02492014 · est 1990 · no financials extracted | — | — | — | — | 36y | — | — |
| CROWN EQUITY LTD→ 12608357 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CRYPTOCLAIMS.PRO LIMITED→ 15090198 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CU PENSION TRUSTEE LIMITED→ 06600561 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| D CHURCH FINANCIAL SOLUTIONS LIMITED→ 11808874 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| DAN HOLDINGS LIMITED→ 06665007 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
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
Incorporated2001-09-10
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Office 117 The Epicentre
Enterprise Way
Haverhill
Suffolk
CB9 7LR
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-09-25
Last: 2025-09-11
Officers (1 active · 5 resigned)
WINNETT, Christopher Paul→
Activedirector · ~64y · appointed 2001-09-10
View their other companies + combined net worth →
DWYER, Daniel John→
Resignednominee-secretary · appointed 2001-09-10 · resigned 2001-09-10
HISCOCK, Julie Patricia→
Resignedsecretary · appointed 2012-06-27 · resigned 2015-12-01
WINNETT, Hannah Danielle Ray→
Resignedsecretary · appointed 2001-09-10 · resigned 2012-06-27
DWYER, Daniel James→
Resignednominee-director · ~51y · appointed 2001-09-10 · resigned 2001-09-10
WINNETT, Hannah Danielle Ray→
Resigneddirector · ~48y · appointed 2001-09-10 · resigned 2003-01-09
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Debenture | 1 property | 22/10/2001 | 11/05/2019 |
Recent filings (84 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-22
change-person-director-company-with-change-date
officers · CH01
2025-05-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-05-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-20
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-17
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-18
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-27
change-person-director-company-with-change-date
officers · CH01
2022-09-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-10-07