8C FINANCIAL SERVICES LTD
Opportunity 76/100 (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: Cash flow review and working-capital discipline. Cash down -32% YoY — forensic review of receivables, stock turns, and creditor days. 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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £45.0k | £69.1k |
| Cash | £46.5k | £68.1k |
| Net assets | £45.0k | £69.1k |
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
Corporate timeline (14 events)Click to expand
- 2025-07-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-07-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-08-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-08-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-06-02🏢Company incorporatedAs 8C FINANCIAL SERVICES LTD
- 2016-06-02➕ROSCROW, Paul appointeddirector
- 2016-06-02📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Paul Roscrow Individual · British · DOB 04/1965 · age 61 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/07/2016 |
Mrs Melanie Roscrow Individual · British · DOB 12/1964 · age 62 | 25–50% | — | 25-50% shares | 01/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · CF postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 7336 LIMITED→ 15141768 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A & H INDEPENDENT FINANCIAL SERVICES LTD→ 03198824 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| A C & J FINANCIAL SERVICES LTD→ 10113380 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| A D ASSET MANAGEMENT LTD→ 11532681 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| A&P FIRE SOLUTIONS LTD→ 16978168 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AA HOLDINGS BRIDGEND LTD→ 15750510 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABBY LEWIS CONSULTING LTD.→ 09125911 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ABOUT LENDING LIMITED→ 13513027 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ABZ ALPHA LTD→ 15330908 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ACURA MORTGAGE & LIFE LTD→ 15796826 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADMIRAL FINANCIAL SERVICES LIMITED→ 10255225 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ADMIRAL GROUP PLC→ 03849958 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
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 · 0 resigned)
Click a director name to see their full track record across all companies.