DAVID CLARK FINANCIAL SOLUTIONS LIMITED

🏛️Establishedactive
10279504 · ltd · incorporated 2016-07-14
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£-360
book net assets
Opportunity
76/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66190Other activities auxiliary to financial services, except insurance and pension funding
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

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. Most likely exit: strategic trade sale (73/100).

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, 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
4 officers (3 active, 4 linked, 2 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
26 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
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 £360
Net assets shrinking
Down £5,109 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
-£360
↓ 108% YoY
Current Assets
£16k
↓ 28% YoY
Current Liabilities
—
-£360£4k£9k£13k£18k£23kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-07-312024-07-31
Total assets£15.1k£17.0k
Current assets£16.3k£22.6k
Net assets£-360£4.7k

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 (19 events)Click to expand
  1. 2026-04-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-04-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-04-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-02-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-03-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2019-11-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-04-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2017-10-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-10-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2017-10-01
    ➕
    CLARK, Diana Carole appointed
    director
  12. 2017-07-18
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  13. 2017-06-12
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  14. 2017-06-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2017-01-01
    ➕
    CLARK, Diana Carole appointed
    secretary
  16. 2017-01-01
    ➖
    SCOTT, David Thomas resigned
    secretary
  17. 2016-07-14
    🏢
    Company incorporated
    As DAVID CLARK FINANCIAL SOLUTIONS LIMITED
  18. 2016-07-14
    ➕
    CLARK, David appointed
    director
  19. 2016-07-14
    ➕
    SCOTT, David Thomas appointed
    secretary

Owner dependency

89/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "CLARK" — strong identity link between founder and business.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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
Mrs Diana Carole Clark
Individual · British · DOB 01/1969 · age 57
25–50%
—25-50% shares14/07/2016
David Clark
Individual · British · DOB 04/1966 · age 60
25–50%
—25-50% shares14/07/2016

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

Similar companies

Active · Financial services · DL postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
ADVANCED MORTGAGE SOLUTIONS NORTH EAST LIMITED→
13421800 · est 2021 · no financials extracted
————4y——
B. PORTWOOD & COMPANY LIMITED→
00785468 · est 1963 · no financials extracted
————62y——
BANNATYNE FINANCE LIMITED→
12318009 · est 2019 · no financials extracted
————6y——
CANNIE INVESTMENTS LIMITED→
13044020 · est 2020 · no financials extracted
————5y——
CARDIFF MONEY LIMITED→
12182786 · est 2019 · no financials extracted
————6y——
CASTLE SAFETY & RISK SERVICES LTD→
10773479 · est 2017 · no financials extracted
————8y——
CHR INVESTMENT SOLUTIONS LIMITED→
15587140 · est 2024 · no financials extracted
————2y——
CLAIRE HOGG MORTGAGES & PROTECTION LIMITED→
11826805 · est 2019 · no financials extracted
————7y——
CT COMMERCIAL FINANCE LTD→
09330401 · est 2014 · no financials extracted
————11y——
CWA MAWER INSURANCE BROKERS LTD→
15472591 · est 2024 · no financials extracted
————2y——
DECEBAL FINANCE LTD→
16104180 · est 2024 · no financials extracted
————1y——
DENHAM & BURD WEALTH MANAGEMENT LIMITED→
12644469 · est 2020 · no financials extracted
————5y——
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2016-07-14
Jurisdictionengland-wales
Primary SIC65110 — Life insurance

Registered office

9 Stirling Grove
Darlington
County Durham
DL1 3TZ

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-03-21
Last: 2026-03-07

Officers (3 active · 1 resigned)

CLARK, Diana Carole→
secretary · appointed 2017-01-01
View their other companies + combined net worth →
Active
CLARK, David→
director · ~60y · appointed 2016-07-14
View their other companies + combined net worth →
Active
CLARK, Diana Carole→
director · ~57y · appointed 2017-10-01
View their other companies + combined net worth →
Active
SCOTT, David Thomas→
secretary · appointed 2016-07-14 · resigned 2017-01-01
Resigned

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

Recent filings (26 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-09
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-18
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-08
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-25
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-11
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-07
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-15
accounts-with-accounts-type-micro-entity
accounts · AA
2022-02-10
confirmation-statement-with-updates
confirmation-statement · CS01
2021-04-29
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-29
confirmation-statement-with-updates
confirmation-statement · CS01
2020-03-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-26
accounts-with-accounts-type-micro-entity
accounts · AA
2019-04-16