DAVLIA FINANCIAL SERVICES LIMITED
🏛️Establishedactive
10958196 · ltd · incorporated 2017-09-12
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 Sept 2025
Net worth
£-21.7k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 77/100 (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, 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
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
20 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
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 102Negative net assets
Liabilities exceed assets by £21,697
Cash YoY
+0%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£5k
~ YoY
Net Worth
-£22k
↓ 84% YoY
Current Assets
£17k
↓ 49% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £-21.7k | £-11.8k |
| Current assets | £16.7k | £32.4k |
| Cash | £5.0k | £5.0k |
| Debtors | £11.7k | £27.4k |
| Net assets | £-21.7k | £-11.8k |
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 accounts
Counts from Companies House filing history.
Corporate timeline (16 events)Click to expand
- 2026-03-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-10-03📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-10-03📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2022-04-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-05-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-09-12🏢Company incorporatedAs DAVLIA FINANCIAL SERVICES LIMITED
- 2017-09-12➕GIBSON, David appointedsecretary
- 2017-09-12➕GIBSON, David appointeddirector
- 2017-09-12➕GIBSON, Julia appointeddirector
- 2017-09-12📄incorporation-companyincorporation · NEWINC
Owner dependency
74/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +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 signalSome 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Julia Gibson Individual · British · DOB 02/1968 · age 58 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/11/2022 |
Mr David Gibson Individual · British · DOB 03/1966 · age 60 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/09/2022 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| CMMB LTD→ 07936299 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| COTTER MORTGAGES LTD→ 14509420 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CRISP CONSULTANTS LIMITED→ 08373911 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| CROISSANT CAPITAL LTD→ 11503405 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| D MILLER HOLDINGS LTD→ 14662185 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| DANIEL GREEN WEALTH MANAGEMENT LIMITED→ 10833872 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| DAVID LEWIS MORTGAGE SERVICES LIMITED→ 12527404 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| DC FINANCE LIMITED→ 16806506 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DDH FINANCIAL SERVICES LTD→ 09989571 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| DDP PARTNERS LIMITED→ 16691138 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DEDHAM VALE FINANCIAL SERVICES LIMITED→ 11942620 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| DEFINASOLVO LTD→ 16355174 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2017-09-12
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Troys Farm
Troys Lane
Faulkbourne
CM8 1SL
United Kingdom
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-09-25
Last: 2025-09-11
Officers (3 active · 0 resigned)
Active
GIBSON, David→
Activedirector · ~60y · appointed 2017-09-12
View their other companies + combined net worth →
GIBSON, Julia→
Activedirector · ~58y · appointed 2017-09-12
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (20 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-20
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-11-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-10-03
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2022-10-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-25