AUTOMOTIVE CARDIFF LTD
Opportunity 75/100 (strong), bankability 80/100. 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: distressed disposal / insolvency (65/100).
Refinance opportunity
1 live charge · oldest 3.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.3 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (71/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-05-31 |
|---|---|
| Total assets | £6.3k |
| Current assets | £75.1k |
| Net assets | £-13.4k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
- • 1 confirmation-statement
- • 1 officers
- • 2 accounts
- • 1 confirmation-statement
- • 1 officers
Corporate timeline (20 events)Click to expand
- 2026-07-03📄accounts-amended-with-accounts-type-micro-entityaccounts · AAMD
- 2026-04-24➖DUDLEY, Susan Lesley resigneddirector
- 2026-04-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-04-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-02-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-04-05🔒Charge registered #1Lender: Dbw Investments (10) Limited
- 2023-02-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-01-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-04-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-05-26🏢Company incorporatedAs AUTOMOTIVE CARDIFF LTD
- 2016-05-26➕DUDLEY, James Christopher appointeddirector
- 2016-05-26➕DUDLEY, Susan Lesley appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- 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
cleanShareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr James Christopher Dudley Individual · British · DOB 03/1983 · age 43 | — | — | sig. influencesignificant influence | 25/05/2017 |
1 historic (ceased) PSC
- Mrs Susan Lesley Dudleyceased 24/04/2026· significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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
Registered office
Filing status
Officers (1 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Dbw Investments (10) Dbw Investments (10) Limited | A registered charge | 2 properties | 05/04/2023 | — |