DMI HOME FINANCE LIMITED
💤Zombieactive
08699817 · ltd · incorporated 2013-09-20
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 2026
Net worth
£125.5k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 74/100 (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: strategic trade sale (65/100).
Data confidence
Overall: medium (79/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
50 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £125,506
Cash YoY
+48%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£136k
↑ 48% YoY
Net Worth
£126k
↑ 63% YoY
Current Assets
£139k
↑ 41% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2026-03-31 | 2025-03-31 |
|---|---|---|
| Total assets | £125.9k | £77.1k |
| Current assets | £138.9k | £98.2k |
| Cash | £135.7k | £92.0k |
| Debtors | £3.1k | £6.2k |
| Net assets | £125.5k | £76.9k |
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
2
filings
- • 1 accounts
- • 1 resolution
Last 180 days
5
filings
- • 2 confirmation-statement
- • 1 accounts
- • 1 resolution
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2026-05-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-04-11📄resolutionresolution · RESOLUTIONS
- 2026-03-27📄capital-allotment-sharescapital · SH01
- 2025-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-05📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-09-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-09-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-08-30➖PHILPOT, Geoffrey James resigneddirector
- 2024-05-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-05-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-08-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-05-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-01-23📄capital-allotment-sharescapital · SH01
- 2016-05-31➕GRAY, Wayne appointeddirector
- 2013-09-20🏢Company incorporatedAs DMI HOME FINANCE LIMITED
- 2013-09-20➕PHILPOT, Geoffrey James appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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 Wayne David Gray Individual · British · DOB 12/1987 · age 39 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/08/2024 |
2 historic (ceased) PSCs
- Mrs Sara Jean Philpotceased 30/08/2024· 25-50% shares · 25-50% voting · board control
- Mr Geoffrey James Philpotceased 30/08/2024· 25-50% shares · 25-50% voting · board control
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 · SN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BURSARY ADMINISTRATION LIMITED→ 06780777 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| CBFP UK LTD→ 14222982 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CDR RISK SERVICES LIMITED→ 17047867 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CEDRUS CAPITAL LTD→ 13787105 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CONFEDERATION MORTGAGE SERVICES LIMITED→ 01827371 · est 1984 · no financials extracted | — | — | — | — | 41y | — | — |
| CONSULTIO SLASH CONSULTIUS LTD→ 15954224 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| DANECROFT CONSULTANTS LIMITED→ 03753159 · est 1999 · no financials extracted | — | — | — | — | 27y | — | — |
| DEVIZES CYBER INVESTMENTS LIMITED→ 14067615 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DOCTORS HILL LTD→ 15131903 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| EBAZEKA LTD→ 15455496 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ELLIOTT YORK ASSOCIATES LIMITED→ 04626712 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| EMMA PECK WEALTH MANAGEMENT LTD→ 11658197 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2013-09-20
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
7/8 Avon Reach Monkton Hill
Chippenham
Wiltshire
SN15 1EE
United Kingdom
Filing status
Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-04-10
Last: 2026-03-27
Officers (1 active · 1 resigned)
Active
PHILPOT, Geoffrey James→
Resigneddirector · ~77y · appointed 2013-09-20 · resigned 2024-08-30
Click a director name to see their full track record across all companies.
Recent filings (50 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-15
resolution
resolution · RESOLUTIONS
2026-04-11
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-27
capital-allotment-shares
capital · SH01
2026-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-30
change-person-director-company-with-change-date
officers · CH01
2025-02-05
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-04
termination-director-company-with-name-termination-date
officers · TM01
2024-09-05
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-09-05
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-09-05
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-09-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-08-03