DC FINANCIAL SERVICES LIMITED
💤Zombieactive
10004401 · ltd · incorporated 2016-02-15
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 2025
Net worth
£-26.0k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
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 (76/100)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
3 officers (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
37 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 105 (micro)Negative net assets
Liabilities exceed assets by £25,963
Net assets shrinking
Down £26,000 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£26k
↓ 70270% YoY
Current Assets
£7k
↓ 85% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £-24.8k | £11.2k |
| Current assets | £7.1k | £47.4k |
| Net assets | £-26.0k | £37 |
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 officers
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2026-01-26📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-07-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-08-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-12-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-22📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-11-11📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2021-01-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-04-01➕WOODHAMS, Joanna appointedsecretary
- 2019-12-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-04-27📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2017-03-31➖WOODHAMS, Joanna May resigneddirector
- 2017-02-01➕WOODHAMS, Joanna May appointeddirector
- 2016-02-15🏢Company incorporatedAs DC FINANCIAL SERVICES LIMITED
- 2016-02-15➕CLOUGH, Daniel 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 Daniel Clough Individual · British · DOB 01/1984 · age 42 | 75–100% | — | 75-100% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| CLEAR GLASS HOLDING LTD→ 17123478 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| COUNTRYWIDE EQUITY RELEASE LIMITED→ 12827585 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CROWN WEALTH MANAGEMENT LIMITED→ 05957611 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| CROWNE FINANCIAL SOLUTIONS LTD→ 14234027 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CWD INVESTMENTS LTD→ 14569796 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| DAVID TOLSON PARTNERSHIP EOT LIMITED→ 16709890 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DIGITAL BULL TRADING LIMITED→ 15685580 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| DOLPHIN FINANCIAL ADVICE LIMITED→ 06389359 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| DOMINION FINANCE LIMITED→ 02704712 · est 1992 · no financials extracted | — | — | — | — | 34y | — | — |
| DOMMARCIA SMITH LTD→ 09240716 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| DRAPER GLOBAL LTD→ 16470142 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DREAM FINANCE UK LTD→ 15340772 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2016-02-15
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
30 Tudor Road
Southport
PR8 2RY
England
Filing status
Accounts
Next due: 2026-12-29
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-06
Last: 2025-10-23
Officers (2 active · 1 resigned)
Active
CLOUGH, Daniel→
Activedirector · ~42y · appointed 2016-02-15
View their other companies + combined net worth →
WOODHAMS, Joanna May→
Resigneddirector · ~43y · appointed 2017-02-01 · resigned 2017-03-31
Click a director name to see their full track record across all companies.
Recent filings (37 total)
change-person-director-company-with-change-date
officers · CH01
2026-01-26
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-08-28
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-24
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-09
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-14
change-account-reference-date-company-previous-shortened
accounts · AA01
2021-12-22
confirmation-statement-with-updates
confirmation-statement · CS01
2021-11-11
appoint-person-secretary-company-with-name-date
officers · AP03
2021-11-11