CONCORDIA CONSULTANCY LTD

💤Zombieactive
04836057 · ltd · incorporated 2003-07-17
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 Aug 2025
Net worth
£-164.6k
book net assets
Opportunity
82/100
Exceptional
🔔
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What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 71). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -85% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 17.8y

30/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 17.8 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
29 officers (2 active, 29 linked, 19 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
126 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 · accounting standard not declared
Negative net assets
Liabilities exceed assets by £164,582
Cash draining
Cash down 85% YoY
Cash YoY
-85%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£589
↓ 85% YoY
Net Worth
-£165k
↑ 10.0% YoY
Current Assets
£138k
↑ 7.8% YoY
Current Liabilities
—
-£183k-£119k-£55k£9k£74k£138kAug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-08-312024-08-31
Total assets£-150.6k£-154.2k
Current assets£137.7k£127.7k
Cash£589£3.9k
Debtors£137.1k£123.8k
Net assets£-164.6k£-182.8k

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
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (76 events)Click to expand
  1. 2026-05-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-07-31
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-07-31
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2025-05-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-05-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-05-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-05-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-05-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-05-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-04-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2020-04-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2019-07-11
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2019-07-10
    ➖
    CAPURRO, Robert Gordon resigned
    director
  14. 2019-05-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-03-18
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2019-03-12
    ➖
    MAY, Diane resigned
    director
  17. 2018-12-13
    ➕
    CAPURRO, Robert Gordon appointed
    director
  18. 2018-12-13
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2018-05-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2017-11-09
    ➕
    MAY, Diane appointed
    director
  21. 2017-11-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  22. 2015-07-14
    ➕
    MAY, Paul Andrew John appointed
    secretary
  23. 2015-07-14
    ➖
    NASH, Clare resigned
    secretary
  24. 2015-02-02
    ➖
    CLARK, John Spencer resigned
    director
  25. 2014-02-14
    ➖
    DAVIES, Michael resigned
    director
  26. 2013-10-07
    ➖
    ANDERSON, Neil Robert Moffat resigned
    director
  27. 2013-07-29
    🔒
    Charge registered #2
    Lender: Coutts & Company
  28. 2013-05-28
    ➕
    ANDERSON, Neil Robert Moffat appointed
    director
  29. 2013-02-26
    ➖
    CREEDON, Andrew James resigned
    director
  30. 2013-01-09
    ➖
    CAPELL, James resigned
    director
  31. 2013-01-09
    ➖
    CHONG, Shun resigned
    director
  32. 2013-01-09
    ➖
    FRANCESCHI, Gabriel resigned
    director
  33. 2013-01-09
    ➖
    KOH, Sam resigned
    director
  34. 2012-11-16
    ➕
    CREEDON, Andrew James appointed
    director
  35. 2012-04-10
    ➕
    DAVIES, Michael appointed
    director
  36. 2011-12-01
    ➖
    FRANCESCHI, Gabriel resigned
    secretary
  37. 2011-12-01
    ➕
    NASH, Clare appointed
    secretary
  38. 2011-12-01
    ➕
    KOH, Sam appointed
    director
  39. 2011-11-04
    ➕
    CAPELL, James appointed
    director
  40. 2011-11-01
    ➕
    CHONG, Shun appointed
    director
  41. 2011-06-30
    ➖
    CAPELL, James resigned
    director
  42. 2011-04-06
    ➕
    FRANCESCHI, Gabriel appointed
    director
  43. 2011-01-20
    ➖
    CAPELL, James resigned
    secretary
  44. 2011-01-20
    ➕
    FRANCESCHI, Gabriel appointed
    secretary
  45. 2010-07-15
    ➖
    SNOW, Darren Mark resigned
    director
  46. 2010-06-03
    ➕
    CAPELL, James appointed
    secretary
  47. 2010-06-03
    ➖
    CHONG, Shun resigned
    secretary
  48. 2010-02-01
    ➕
    SNOW, Darren Mark appointed
    director
  49. 2009-12-01
    ➕
    CAPELL, James appointed
    director
  50. 2009-02-27
    ➖
    CHONG, Shun resigned
    director
Showing most recent 50 of 76 events

Owner dependency

100/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

100/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Diane May
Individual · British · DOB 09/1955 · age 71
25–50%
—25-50% shares31/08/2022
Mr Paul Andrew May
Individual · British · DOB 10/1955 · age 71
25–50%
—25-50% shares16/07/2016

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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2003-07-17
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

67 Newland Street
Witham
Essex
CM8 1AA
United Kingdom

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-07-31
Last: 2025-07-17

Officers (2 active · 27 resigned)

MAY, Paul Andrew John→
secretary · appointed 2015-07-14
View their other companies + combined net worth →
Active
MAY, Paul Andrew→
director · ~71y · appointed 2003-11-14
View their other companies + combined net worth →
Active
CAPELL, James→
secretary · appointed 2010-06-03 · resigned 2011-01-20
Resigned
CHONG, Shun→
secretary · appointed 2007-10-31 · resigned 2010-06-03
Resigned
FERGUSON, Stephen John→
secretary · appointed 2005-10-26 · resigned 2007-04-24
Resigned
FRANCESCHI, Gabriel→
secretary · appointed 2011-01-20 · resigned 2011-12-01
Resigned
MAY, Diane→
secretary · appointed 2007-05-01 · resigned 2007-10-31
Resigned
MAY, Diane→
secretary · appointed 2003-11-14 · resigned 2005-10-26
Resigned
NASH, Clare→
secretary · appointed 2011-12-01 · resigned 2015-07-14
Resigned
MACRAE SECRETARIES LIMITED→
corporate-secretary · appointed 2003-07-17 · resigned 2005-10-26
Resigned
ANDERSON, Neil Robert Moffat→
director · ~64y · appointed 2013-05-28 · resigned 2013-10-07
Resigned
CAPELL, James→
director · ~46y · appointed 2011-11-04 · resigned 2013-01-09
Resigned
CAPELL, James→
director · ~46y · appointed 2009-12-01 · resigned 2011-06-30
Resigned
CAPURRO, Robert Gordon→
director · ~64y · appointed 2018-12-13 · resigned 2019-07-10
Resigned
CHONG, Shun→
director · ~51y · appointed 2011-11-01 · resigned 2013-01-09
Resigned
CHONG, Shun→
director · ~51y · appointed 2007-10-23 · resigned 2009-02-27
Resigned
CLARK, John Spencer→
director · ~53y · appointed 2008-03-20 · resigned 2015-02-02
Resigned
CREEDON, Andrew James→
director · ~64y · appointed 2012-11-16 · resigned 2013-02-26
Resigned
DAVIES, Michael→
director · ~66y · appointed 2012-04-10 · resigned 2014-02-14
Resigned
FERGUSON, Stephen John→
director · ~53y · appointed 2006-10-24 · resigned 2007-04-30
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
NatWest Group
Coutts & Company
A registered charge1 property29/07/2013—
outstanding
Barclays
Barclays Bank PLC
Debenture1 property03/09/2008—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (126 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-29
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-31
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-07-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-30