CORE FINANCE SOLUTIONS LTD

💤Zombieactive
09748178 · ltd · incorporated 2015-08-25
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 Feb 2020
Net worth
£10.1k
book net assets
Opportunity
54/100
Worth a look
🔔
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What this business does
Primary activity: Administration of financial markets
Sector: Financial & insurance
Investor take
Special-situation opportunity
Distressed financial-services with salvageable qualities — special-situations priority.

Opportunity 54/100 (worth a look), bankability 45/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: strategic trade sale (40/100). Current lenders should be on monthly review.

Data confidence

Overall: medium (69/100)

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
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 1 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
35 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
54/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
45
Concerning — overdue filings or status flags present.
Acquirability
50
Some acquirability indicators.
Risk profile
49
Multiple red flags — proceed with caution.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £10,136

Key financials

1 year extracted from filed iXBRL accounts
Cash
£273
Net Worth
£10k
Current Assets
£27k
Current Liabilities

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2020-02-29
Total assets£10.1k
Current assets£26.9k
Cash£273
Debtors£26.6k
Net assets£10.1k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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
0
filings
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2025-08-06
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  2. 2025-07-22
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  3. 2024-12-07
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  4. 2024-12-04
    📄
    dissolved-compulsory-strike-off-suspended
    dissolution · DISS16(SOAS)
  5. 2024-11-26
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  6. 2024-04-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2024-04-29
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2024-04-17
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  9. 2022-12-29
    📄
    dissolved-compulsory-strike-off-suspended
    dissolution · DISS16(SOAS)
  10. 2022-12-13
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  11. 2022-07-22
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  12. 2022-07-14
    📄
    dissolved-compulsory-strike-off-suspended
    dissolution · DISS16(SOAS)
  13. 2022-07-05
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  14. 2022-02-01
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  15. 2022-01-24
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2022-01-13
    📄
    dissolved-compulsory-strike-off-suspended
    dissolution · DISS16(SOAS)
  17. 2022-01-04
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  18. 2021-02-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2020-12-16
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  20. 2020-12-15
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  21. 2015-08-25
    🏢
    Company incorporated
    As CORE FINANCE SOLUTIONS LTD
  22. 2015-08-25
    CARTER, Philip appointed
    secretary
  23. 2015-08-25
    CARTER, Phil appointed
    director

Owner dependency

80/100
Critical — business is the founder

The 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.
  • +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

45/100
Moderate signal

Some 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.

Red flags

2 high ·
Accounts overdue
high

Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.

Evidence: Next due: 2021-11-30

Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2025-05-17

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Philip Anthony Carter
Individual · United Kingdom · DOB 11/1978 · age 48
board controlsig. influenceboard control · significant influence · trust interest · firm interest09/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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05711103 · est 2006 · no financials extracted
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

10 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
Incorporated2015-08-25
Jurisdictionengland-wales
Primary SIC66110 — Administration of financial markets

Registered office

2 Clyde Street
Hilton
Derbyshire
DE65 5ND

Filing status

Accounts
Next due: 2021-11-30OVERDUE
Last made up to: 2020-02-29
Confirmation statement
Next due: 2025-05-17OVERDUE
Last: 2024-05-03

Officers (2 active · 0 resigned)

CARTER, Philip
secretary · appointed 2015-08-25
View their other companies + combined net worth →
Active
CARTER, Phil
director · ~48y · appointed 2015-08-25
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Recent filings (35 total)

gazette-filings-brought-up-to-date
gazette · DISS40
2025-08-06
gazette-notice-compulsory
gazette · GAZ1
2025-07-22
gazette-filings-brought-up-to-date
gazette · DISS40
2024-12-07
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2024-12-04
gazette-notice-compulsory
gazette · GAZ1
2024-11-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-02
change-person-director-company-with-change-date
officers · CH01
2024-04-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-29
gazette-filings-brought-up-to-date
gazette · DISS40
2024-04-17
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2022-12-29
gazette-notice-compulsory
gazette · GAZ1
2022-12-13
gazette-filings-brought-up-to-date
gazette · DISS40
2022-07-22
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2022-07-14