C F BELL FINANCIAL CONSULTANT LTD
Opportunity 67/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (76/100)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 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £-1.8k | — |
| Net assets | £-1.8k | — |
| Average employees | — | 0 |
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
Corporate timeline (19 events)Click to expand
- 2025-07-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-05📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-05📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-01-11📄change-person-director-company-with-change-dateofficers · CH01
- 2024-01-11📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-06-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-08-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-09-12📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-01-27📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-09-25➕BELL, Gail appointeddirector
- 2008-01-25🏢Company incorporatedAs C F BELL FINANCIAL CONSULTANT LTD
- 2008-01-25➕BELL, Gail appointedsecretary
- 2008-01-25➕BELL, Chavez Fernando appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "BELL" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 18 years.
- secondaryStable-but-static management: Company is 18 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high ·Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-02-05
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Chavez Fernando Bell Individual · British · DOB 05/1978 · age 48 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Gail Bell Individual · British · DOB 06/1979 · age 47 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · LS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BONDSURE LIMITED→ 15250101 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BRITOPIA HOLDINGS LIMITED→ 16345148 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BROOKS RAYNER→ 11133852 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| C L FINANCE LIMITED→ 01108021 · est 1973 · no financials extracted | — | — | — | — | 53y | — | — |
| CARTER FINANCIAL SOLUTIONS LTD→ 14593575 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CHOICE FINANCIAL PLANNING LIMITED→ 16913687 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CHRIS SOUTH EQUITY RELEASE SPECIALIST LTD→ 11450617 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CHRISTOPHER HEAP LIMITED→ 17094905 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CLOWES WEALTH MANAGEMENT LIMITED→ 11366990 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CLUB INSURE LIMITED→ 03535054 · est 1998 · no financials extracted | — | — | — | — | 28y | — | — |
| CMC WEALTH LTD→ 11403122 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| COCONITRO LIMITED→ 12192144 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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 (3 active · 0 resigned)
Click a director name to see their full track record across all companies.