EFINITY FINANCE LIMITED
💤Zombieactive
11210271 · ltd · incorporated 2018-02-16
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 Sept 2024
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 73/100 (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: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 5.2y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (73/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
32 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-09-30 |
|---|---|
| Average employees | 5 |
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
3
filings
- • 2 persons-with-significant-control
- • 1 accounts
Last 180 days
4
filings
- • 2 persons-with-significant-control
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-06-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-06-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-06-04📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2026-01-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-25📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2025-06-26📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-02-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-27📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-28📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-03-06📄gazette-filings-brought-up-to-dategazette · DISS40
- 2024-03-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-27📄gazette-notice-compulsorygazette · GAZ1
- 2023-09-28📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2023-06-28📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-09-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-05🔒Charge registered #1Lender: Atom Bank PLC
- 2020-09-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-16🏢Company incorporatedAs EFINITY FINANCE LIMITED
- 2018-02-16➕HILL, Joshua James appointeddirector
Owner dependency
80/100
Critical — business is the founderThe 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.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
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 |
|---|---|---|---|---|
Mr Joshua James Hill Individual · British · DOB 07/1988 · age 38 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 16/02/2018 |
Mrs Jade Hill Individual · British · DOB 04/1988 · age 38 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 16/02/2018 |
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 →Similar companies
Active · Financial services · WA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CHESHIRE MORTGAGE CENTRE LIMITED→ 12848927 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| COTSWOLD MEADOWS MORTGAGE ADVICE LIMITED→ 14127011 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CPTCO LIMITED→ 09717621 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| DISSOLVE DEBT LIMITED→ 05278758 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| DJT MARKETING LTD→ 13153637 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| DO'C WEALTH MANAGEMENT LIMITED→ 10397330 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| EARNEST ASSETS LTD→ 11173803 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| EDEN CAPITAL PARTNERS LIMITED→ 16463654 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EFINITY PROPERTY HOLDINGS LIMITED→ 12015786 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| EIGHT FINANCE GROUP LIMITED→ 15287592 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ELEVATE FINANCIAL PLANNING LIMITED→ 15131228 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ELEVATE WEALTH AND FINANCIAL PLANNING LTD→ 08039296 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2018-02-16
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
5 Manchester Road
Warrington
Cheshire
WA1 3AB
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2027-03-21
Last: 2026-03-07
Officers (1 active · 0 resigned)
HILL, Joshua James→
Activedirector · ~38y · appointed 2018-02-16
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Atom Bank Atom Bank PLC | A registered charge | — | 05/05/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (32 total)
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-06-09
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-06-09
change-account-reference-date-company-previous-extended
accounts · AA01
2026-06-04
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-27
change-account-reference-date-company-current-shortened
accounts · AA01
2025-09-25
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-06-26
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-07
change-person-director-company-with-change-date
officers · CH01
2025-02-27
change-person-director-company-with-change-date
officers · CH01
2025-02-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-27
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-06-28
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-11
gazette-filings-brought-up-to-date
gazette · DISS40
2024-03-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-05