DIVINE WEALTH MANAGEMENT LIMITED
💤Zombieactive
05021645 · ltd · incorporated 2004-01-21
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 2025
Net worth
£13.5k
book net assets
Opportunity
81/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 70-year-old founder — textbook succession opportunity.
Opportunity 81/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 70). 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 20.5y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 20.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
71 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £13,511
Net assets shrinking
Down £9,972 YoY
Cash YoY
+33%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£38k
↑ 33% YoY
Net Worth
£14k
↓ 42% YoY
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Total assets | £13.5k | £23.5k |
| Current assets | — | £28.6k |
| Cash | £38.2k | £28.6k |
| Net assets | £13.5k | £23.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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 accounts
Last 180 days
4
filings
- • 2 address
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2026-03-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-02-20📍move-registers-to-sail-company-with-new-addressaddress · AD03
- 2026-02-20📍change-sail-address-company-with-new-addressaddress · AD02
- 2025-05-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-02-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-02-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-06-15➖PADIA, Rajnikant Tribhovan Kanji resigneddirector
- 2024-05-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-09-15🔓Charge satisfied #1
- 2023-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2005-11-30🔒Charge registered #1Lender: Hsbc Bank PLC
- 2004-01-22➕PADIA, Mrudula Rajnikant appointedsecretary
- 2004-01-22➕PADIA, Mrudula Rajnikant appointeddirector
- 2004-01-22➖YORK PLACE COMPANY SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2004-01-22➕PADIA, Rajnikant Tribhovan Kanji appointeddirector
- 2004-01-22➖YORK PLACE COMPANY NOMINEES LIMITED resignedcorporate-nominee-director
- 2004-01-21🏢Company incorporatedAs DIVINE WEALTH MANAGEMENT LIMITED
- 2004-01-21➕YORK PLACE COMPANY SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2004-01-21➕YORK PLACE COMPANY NOMINEES LIMITED appointedcorporate-nominee-director
Owner dependency
100/100
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 22 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 70 — succession pressure is live.
Succession & seller-readiness
100/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 70 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 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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
1 lowMultiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Madhu Padia Individual · British · DOB 11/1956 · age 70 | 75–100% | — | 75-100% shares | 21/02/2025 |
1 historic (ceased) PSC
- Mr Rajnikant Tribhovan Padiaceased 21/02/2025· significant influence · firm interest
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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 | — | — |
| DMI VENTURES (UK) LTD→ 16487765 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FIDELIUM FINANCIAL PLANNERS LIMITED→ 09548030 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| FINANCIAL WELLBEING SOLUTIONS LTD→ 11231409 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| GB SOCIAL HOUSING PLC→ 07165018 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| GENERATION ALFA LIMITED→ 08719905 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| GO GLOBAL MARKETS LTD→ 16526662 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GOOD TEDDY HOMES LTD→ 16542712 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GPS BRITANNIA LTD→ 11394225 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| GRANTA CROWN LIMITED→ 16458894 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GREENWOOD EMPLOYEE BENEFITS LTD→ 08496306 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| GRIPCAF CAPITAL LIMITED→ 13465447 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2004-01-21
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
1 Huddleston Way
Sawston
Cambridgeshire
CB22 3SW
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-02-27
Last: 2026-02-13
Officers (2 active · 3 resigned)
PADIA, Mrudula Rajnikant→
Activesecretary · appointed 2004-01-22
View their other companies + combined net worth →
PADIA, Mrudula Rajnikant→
Activedirector · ~70y · appointed 2004-01-22
View their other companies + combined net worth →
YORK PLACE COMPANY SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2004-01-21 · resigned 2004-01-22
PADIA, Rajnikant Tribhovan Kanji→
Resigneddirector · ~74y · appointed 2004-01-22 · resigned 2024-06-15
YORK PLACE COMPANY NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 2004-01-21 · resigned 2004-01-22
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 | HSBC Hsbc Bank PLC | Debenture | 1 property | 30/11/2005 | 15/09/2023 |
Recent filings (71 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-19
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-23
move-registers-to-sail-company-with-new-address
address · AD03
2026-02-20
change-sail-address-company-with-new-address
address · AD02
2026-02-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-07
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-02-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-02-21
termination-director-company-with-name-termination-date
officers · TM01
2025-02-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-23
mortgage-satisfy-charge-full
mortgage · MR04
2023-09-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-13