XCD HR LIMITED

🌳Matureactive
07418327 · ltd · incorporated 2010-10-25
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£-126.2k
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: Business and domestic software development
Sector: Information & communication
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 79/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -64% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 10.6y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 10.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (84/100)

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
11 officers (4 active, 11 linked, 10 with DOB)
88
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
17 connected companies via shared directors
90
Filing history
99 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £126,180
Net assets shrinking
Down £1,569,701 YoY
Cash draining
Cash down 64% YoY
Cash YoY
-64%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£208k
↓ 64% YoY
Net Worth
-£126k
↓ 109% YoY
Current Assets
£1.2m
↓ 7.2% YoY
Current Liabilities
—
-£126k£188k£502k£816k£1.1m£1.4mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£-125.0k£1.45M
Current assets£1.19M£1.29M
Cash£208.0k£577.6k
Debtors£985.0k£708.6k
Net assets£-126.2k£1.44M

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
  1. 2025-12-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-07
    📄
    memorandum-articles
    incorporation · MA
  3. 2025-04-28
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  4. 2025-04-28
    📄
    capital-name-of-class-of-shares
    capital · SH08
  5. 2025-04-28
    📄
    resolution
    resolution · RESOLUTIONS
  6. 2024-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-06-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2024-02-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2023-08-29
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2023-08-29
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2023-08-15
    ➕
    BRAY, Andrew appointed
    director
  12. 2023-08-15
    ➖
    FOWLER, Simon Richard resigned
    director
  13. 2023-08-03
    📄
    second-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP04CS01
  14. 2023-08-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  15. 2023-07-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  16. 2023-03-30
    📄
    change-to-a-person-with-significant-control-without-name-date
    persons-with-significant-control · PSC04
  17. 2023-03-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  18. 2023-03-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2023-03-29
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  20. 2023-03-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  21. 2023-03-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  22. 2023-01-14
    📄
    resolution
    resolution · RESOLUTIONS
  23. 2022-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2022-11-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  25. 2022-10-19
    ➕
    GRESTY, William Robert appointed
    director
  26. 2022-10-19
    ➖
    SNODGRASS, Alex Neville resigned
    director
  27. 2021-09-21
    ➖
    SUTTIE, Robert Boardley resigned
    director
  28. 2021-06-28
    ➖
    KHAN, Mohammed Amjad resigned
    director
  29. 2021-06-03
    🔓
    Charge satisfied #1
  30. 2020-12-10
    ➕
    GIBSON, Paul David appointed
    director
  31. 2020-12-10
    ➕
    SNODGRASS, Alex Neville appointed
    director
  32. 2020-10-13
    ➖
    MITFORD-SLADE, Christopher Neave resigned
    director
  33. 2019-04-12
    ➖
    MITFORD-SLADE, Lucinda Gemma resigned
    secretary
  34. 2018-04-01
    ➕
    FOWLER, Simon Richard appointed
    director
  35. 2018-03-30
    ➖
    BUTT, Mark Richard resigned
    director
  36. 2016-03-04
    ➕
    MITFORD-SLADE, Lucinda Gemma appointed
    secretary
  37. 2016-03-04
    ➕
    BUTT, Mark Richard appointed
    director
  38. 2015-12-31
    ➕
    MURRIA, Vinodka appointed
    director
  39. 2015-10-26
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  40. 2011-09-05
    ➕
    KHAN, Mohammed Amjad appointed
    director
  41. 2011-09-05
    ➕
    SUTTIE, Robert Boardley appointed
    director
  42. 2010-10-25
    🏢
    Company incorporated
    As XCD HR LIMITED
  43. 2010-10-25
    ➕
    MITFORD-SLADE, Christopher Neave appointed
    director

Owner dependency

48/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

55/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Bgf Investment Management Limited (Biml) holds 25-50% — a significant corporate investor but not a controlling parent.

🏛️
Bgf Investment Management Limited (Biml)
Corporate parent
⬇
XCD HR LIMITED
This company · 07418327

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Bgf Investment Management Limited (Biml)
Corporate entity
——sig. influencesignificant influence10/12/2020
1 historic (ceased) PSC
  • Mrs Vinodka Murriaceased 28/06/2021· 25-50% shares · 25-50% voting

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2010-10-25
Jurisdictionengland-wales
Primary SIC62012 — Business and domestic software development

Registered office

Worting House Church Lane
Worting
Basingstoke
Hampshire
RG23 8PY
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-06-04
Last: 2025-05-21

Officers (4 active · 7 resigned)

BRAY, Andrew→
director · ~55y · appointed 2023-08-15
View their other companies + combined net worth →
Active
GIBSON, Paul David→
director · ~62y · appointed 2020-12-10
View their other companies + combined net worth →
Active
GRESTY, William Robert→
director · ~46y · appointed 2022-10-19
View their other companies + combined net worth →
Active
MURRIA, Vinodka→
director · ~64y · appointed 2015-12-31
View their other companies + combined net worth →
Active
MITFORD-SLADE, Lucinda Gemma→
secretary · appointed 2016-03-04 · resigned 2019-04-12
Resigned
BUTT, Mark Richard→
director · ~66y · appointed 2016-03-04 · resigned 2018-03-30
Resigned
FOWLER, Simon Richard→
director · ~56y · appointed 2018-04-01 · resigned 2023-08-15
Resigned
KHAN, Mohammed Amjad→
director · ~45y · appointed 2011-09-05 · resigned 2021-06-28
Resigned
MITFORD-SLADE, Christopher Neave→
director · ~64y · appointed 2010-10-25 · resigned 2020-10-13
Resigned
SNODGRASS, Alex Neville→
director · ~46y · appointed 2020-12-10 · resigned 2022-10-19
Resigned
SUTTIE, Robert Boardley→
director · ~68y · appointed 2011-09-05 · resigned 2021-09-21
Resigned

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
TypeProperties
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge—26/10/201503/06/2021

Recent filings (99 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-13
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-04
memorandum-articles
incorporation · MA
2025-05-07
capital-variation-of-rights-attached-to-shares
capital · SH10
2025-04-28
capital-name-of-class-of-shares
capital · SH08
2025-04-28
resolution
resolution · RESOLUTIONS
2025-04-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-06-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-22
appoint-person-director-company-with-name-date
officers · AP01
2023-08-29
termination-director-company-with-name-termination-date
officers · TM01
2023-08-29
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2023-08-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-08-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-07-28