C A FINANCIAL SERVICES LTD

💤Zombieactive
10149085 · ltd · incorporated 2016-04-27
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 Apr 2026
Net worth
—
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66190Other activities auxiliary to financial services, except insurance and pension funding
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (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: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (78/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 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
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
27 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
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
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Apr 2025Apr 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-04-302025-04-30
Average employees4000

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
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2026-06-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-09-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2025-01-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-09-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-06-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-02-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2022-01-03
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  8. 2021-10-31
    📄
    capital-allotment-shares
    capital · SH01
  9. 2021-06-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2021-01-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2020-12-31
    ➖
    ATKINS, Andrea Clare resigned
    director
  12. 2020-08-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-09-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2019-05-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2019-05-22
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2019-02-14
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  17. 2017-05-04
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  18. 2016-04-27
    🏢
    Company incorporated
    As C A FINANCIAL SERVICES LTD
  19. 2016-04-27
    ➕
    ATKINS, Craig Richard appointed
    director
  20. 2016-04-27
    ➕
    ATKINS, Andrea Clare appointed
    director

Owner dependency

83/100
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.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

60/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • 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

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

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Craig Richard Atkins
Individual · British · DOB 05/1968 · age 58
50–75%
—50-75% shares27/04/2016
Mrs Andrea Clare Atkins
Individual · British · DOB 08/1967 · age 59
25–50%
—25-50% shares27/04/2016

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

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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
Incorporated2016-04-27
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

74 West End
Kemsing
Sevenoaks
Kent
TN15 6QE
England

Filing status

Accounts
Next due: 2028-01-31
Last made up to: 2026-04-30
Confirmation statement
Next due: 2027-04-13
Last: 2026-03-30

Officers (1 active · 1 resigned)

ATKINS, Craig Richard→
director · ~58y · appointed 2016-04-27
View their other companies + combined net worth →
Active
ATKINS, Andrea Clare→
director · ~59y · appointed 2016-04-27 · resigned 2020-12-31
Resigned

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

Recent filings (27 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-06-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-23
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-31
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-24
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-06
change-person-director-company-with-change-date
officers · CH01
2022-02-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-01-03
capital-allotment-shares
capital · SH01
2021-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-21
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-21