CROFT RISK MANAGEMENT LIMITED
Opportunity 75/100 (strong), bankability 75/100. 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: distressed disposal / insolvency (65/100).
Data confidence
Overall: medium (75/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £-4.3k | £-4.5k |
| Current assets | £36.6k | £42.2k |
| Cash | £13.2k | £15.4k |
| Debtors | £23.4k | £26.7k |
| Net assets | £-4.3k | £-4.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (20 events)Click to expand
- 2025-12-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-11-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-06-20📄capital-alter-shares-consolidationcapital · SH02
- 2019-05-14📄capital-allotment-sharescapital · SH01
- 2018-12-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-12-05📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-01-19📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2007-01-08➕CROFT, Victoria appointedsecretary
- 2007-01-08➕CROFT, Roger appointeddirector
- 2007-01-03🏢Company incorporatedAs CROFT RISK MANAGEMENT LIMITED
- 2007-01-03➕JPCORS LIMITED appointedcorporate-nominee-secretary
- 2007-01-03➖JPCORS LIMITED resignedcorporate-nominee-secretary
- 2007-01-03➕JPCORD LIMITED appointedcorporate-nominee-director
- 2007-01-03➖JPCORD LIMITED resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "CROFT" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 19 years.
- secondaryStable-but-static management: Company is 19 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
cleanShareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Victoria Croft Individual · British · DOB 10/1975 · age 51 | 75–100% | — | 75-100% shares | 03/01/2017 |
Mr Roger Croft Individual · British · DOB 02/1972 · age 54 | — | — | sig. influencesignificant influence | 03/01/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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
Registered office
Filing status
Officers (2 active · 2 resigned)
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