FINANCIAL MINEFIELD LTD
💤Zombieactive
05073455 · ltd · incorporated 2004-03-15
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 Mar 2025
Net worth
£4.6k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 17.2y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 17.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (1 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
74 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
85
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 £4,559
Cash YoY
+65%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£14k
↑ 65% YoY
Net Worth
£5k
↑ 7.7% YoY
Current Assets
£28k
↓ 1.2% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £50.2k | £65.1k |
| Current assets | £28.0k | £28.3k |
| Cash | £13.7k | £8.3k |
| Debtors | £14.3k | £20.1k |
| Net assets | £4.6k | £4.2k |
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 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-11-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-05-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-13📄change-person-director-company-with-change-dateofficers · CH01
- 2020-07-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-11-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-08-18🔓Charge satisfied #1
- 2018-06-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-07-12📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2016-07-12📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-07-08➖SPENCER, Neil resignedsecretary
- 2011-08-17➖SPENCER, Neil resigneddirector
- 2009-04-24🔒Charge registered #1Lender: Lloyds Tsb Bank PLC
- 2004-03-15🏢Company incorporatedAs FINANCIAL MINEFIELD LTD
- 2004-03-15➕DOLPHIN, Paul Joseph appointeddirector
- 2004-03-15➕SPENCER, Neil appointedsecretary
- 2004-03-15➕@UKPLC CLIENT SECRETARY LTD appointedcorporate-nominee-secretary
- 2004-03-15➖@UKPLC CLIENT SECRETARY LTD resignedcorporate-nominee-secretary
- 2004-03-15➕SPENCER, Neil appointeddirector
- 2004-03-15➕@UKPLC CLIENT DIRECTOR LTD appointedcorporate-nominee-director
- 2004-03-15➖@UKPLC CLIENT DIRECTOR LTD resignedcorporate-nominee-director
Owner dependency
85/100
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.
Succession & seller-readiness
75/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- 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
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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Paul Joseph Dolphin Individual · British · DOB 05/1978 · age 48 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 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 · PR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ENTERPRISE VENTURES GROUP LIMITED→ 04161494 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
| EP GEN LTD→ 16876561 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EQUITY RELEASE 4 US LIMITED→ 14190455 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| F. BERRY (LEYLAND) LIMITED→ 01075421 · est 1972 · no financials extracted | — | — | — | — | 53y | — | — |
| FAIR MORTGAGE ADVICE LTD→ 15878115 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| FIRE ASSESSORS (NW) LTD→ 15123247 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| FIRE INVESTMENTS LTD→ 14335614 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| FIRST CLASS FINANCE LIMITED→ 09811414 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| FLG MORTGAGES LTD→ 15148451 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| FOINAVEN ASSET MANAGEMENT LTD→ 05015645 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| FORE FINANCIAL PLANNING LTD→ 16024269 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| FORTITUDE FINANCIAL PLANNING LIMITED→ 04450290 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
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
Incorporated2004-03-15
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
Black Bull House 353-355 Station Road
Bamber Bridge
Preston
Lancashire
PR5 6EE
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-05-04
Last: 2026-04-20
Officers (1 active · 4 resigned)
DOLPHIN, Paul Joseph→
Activedirector · ~48y · appointed 2004-03-15
View their other companies + combined net worth →
SPENCER, Neil→
Resignedsecretary · appointed 2004-03-15 · resigned 2016-07-08
@UKPLC CLIENT SECRETARY LTD→
Resignedcorporate-nominee-secretary · appointed 2004-03-15 · resigned 2004-03-15
SPENCER, Neil→
Resigneddirector · ~51y · appointed 2004-03-15 · resigned 2011-08-17
@UKPLC CLIENT DIRECTOR LTD→
Resignedcorporate-nominee-director · appointed 2004-03-15 · resigned 2004-03-15
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 Lloyds Tsb Bank PLC | Mortgage | 1 property | 24/04/2009 | 18/08/2018 |
Recent filings (74 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-06
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-07
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-03
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-01-25
confirmation-statement-with-updates
confirmation-statement · CS01
2021-05-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-16
change-person-director-company-with-change-date
officers · CH01
2020-07-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-07-13