DAVIES FINANCE LIMITED
💤Zombieactive
07069826 · ltd · incorporated 2009-11-08
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 Sept 2025
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 77/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 12.8y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 12.8 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (73/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
53 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.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-09-30 |
|---|---|
| Average employees | 1 |
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
0
filings
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2026-04-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-14📄resolutionresolution · RESOLUTIONS
- 2025-11-12📄capital-allotment-sharescapital · SH01
- 2025-10-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-25🔒Charge registered #3Lender: Cynergy Business Finance Limited
- 2025-09-11📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-07-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-17🔓Charge satisfied #2
- 2025-05-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-30📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2018-05-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2013-11-14🔒Charge registered #2Lender: Aldermore Bank PLC
- 2013-10-04🔒Charge registered #1Lender: Hitachi Capital (UK) PLC
- 2009-11-08🏢Company incorporatedAs DAVIES FINANCE LIMITED
- 2009-11-08➕DAVIES, David Gareth appointeddirector
- 2009-11-08➕KAHAN, Barbara appointeddirector
- 2009-11-08➖KAHAN, Barbara resigneddirector
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.
- +Founder name in company name: Company name contains director surname "DAVIES" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
68/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 17 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 David Gareth Davies Individual · British · DOB 03/1971 · age 55 | 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 · CW postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BACK OFFICE SUPPORT SERVICES LIMITED→ 03600810 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| BLUE SKY NINE LIMITED→ 15935424 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| C S FINANCIAL PLANNING LIMITED→ 07060621 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| COMBINED MORTGAGE AND PROTECTION ADVICE LTD→ 14996212 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CRUSADER UNINSURED LOSS RECOVERY SERVICE LIMITED→ 02919599 · est 1994 · no financials extracted | — | — | — | — | 32y | — | — |
| CT INTERNATIONAL LTD→ 10374714 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| D & S HELM LTD→ 15011094 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| DAVID JONES WEALTH MANAGEMENT LIMITED→ 16252057 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| DAYINSURE HOLDCO LIMITED→ 13147414 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| DEEL WORLD INTERNATIONAL GLOBAL PAYROLL HOLDINGS LIMITED→ 15068175 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| DEEL WORLD INTERNATIONAL GLOBAL PAYROLL UK LIMITED→ 15159291 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| DIRECT WEALTH MANAGEMENT LIMITED→ 10376509 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2009-11-08
Jurisdictionengland-wales
Primary SIC64910 — Financial leasing
Registered office
31 Wellington Road
Nantwich
CW5 7ED
England
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-02-19
Last: 2026-02-05
Officers (1 active · 1 resigned)
DAVIES, David Gareth→
Activedirector · ~55y · appointed 2009-11-08
View their other companies + combined net worth →
KAHAN, Barbara→
Resigneddirector · ~95y · appointed 2009-11-08 · resigned 2009-11-08
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
2
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Cynergy Business Finance Cynergy Business Finance Limited | A registered charge | 1 property | 25/09/2025 | — | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 14/11/2013 | 17/07/2025 | |
| outstanding | Hitachi Capital (UK) Hitachi Capital (UK) PLC | A registered charge | 1 property | 04/10/2013 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (53 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-13
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-05
resolution
resolution · RESOLUTIONS
2025-11-14
capital-allotment-shares
capital · SH01
2025-11-12
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-01
change-account-reference-date-company-current-extended
accounts · AA01
2025-09-11
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-29