5XM FINANCE AND CONSULTING LTD

💤Zombieactive
10500371 · ltd · incorporated 2016-11-28
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 Nov 2024
Net worth
book net assets
Opportunity
76/100
Strong
🔔
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What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 76/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 65). 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: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
28 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities
£0£0£0£0£0£0Nov 2023Nov 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-11-302023-11-30

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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
1
filing
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
  1. 2025-10-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-08-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-02-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2024-02-08
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2024-02-08
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2023-08-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-08-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-08-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-11-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-10-04
    📄
    resolution
    resolution · RESOLUTIONS
  11. 2019-08-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-01-31
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2019-01-31
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  14. 2018-10-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2018-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2017-12-04
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2016-11-28
    🏢
    Company incorporated
    As 5XM FINANCE AND CONSULTING LTD
  18. 2016-11-28
    HALAMA, Mark Antoni appointed
    director

Owner dependency

95/100
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.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

65/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Mark Antoni Halama
Individual · British · DOB 12/1961 · age 65
75100%
75–100%board control75-100% shares · 75-100% voting · board control28/11/2016

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

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2016-11-28
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.

Registered office

9 Corbets Tey Road
Upminster
Essex
RM14 2AP
England

Filing status

Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-12-11
Last: 2025-11-27

Officers (1 active · 0 resigned)

HALAMA, Mark Antoni
director · ~65y · appointed 2016-11-28
View their other companies + combined net worth →
Active

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

Recent filings (28 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-02-08
change-person-director-company-with-change-date
officers · CH01
2024-02-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-02-08
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-31
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-31
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-25
confirmation-statement-with-updates
confirmation-statement · CS01
2020-12-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-30