FD COMMERCIAL & BRIDGING LTD
🏛️Establishedactive
11671723 · ltd · incorporated 2018-11-12
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 Mar 2025
Net worth
£-30.6k
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 70/100 (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 (65/100).
Data confidence
Overall: high (80/100)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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
56 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £30,569
Cash YoY
+299%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£7k
↑ 299% YoY
Net Worth
-£31k
↑ 1.8% YoY
Current Assets
£29k
↑ 10% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £-28.5k | £-28.6k |
| Current assets | £29.0k | £26.3k |
| Cash | £7.1k | £1.8k |
| Debtors | £21.9k | £24.6k |
| Net assets | £-30.6k | £-31.1k |
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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2025-09-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-17✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-18📄change-person-director-company-with-change-dateofficers · CH01
- 2023-07-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-05-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-05-23📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-04-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-01-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-06-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-06-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-06-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-06-07📄change-person-director-company-with-change-dateofficers · CH01
- 2018-11-12🏢Company incorporatedAs FD COMMERCIAL & BRIDGING LTD
- 2018-11-12➕DAVIDSON, Wesley Paul appointeddirector
- 2018-11-12➕FOX-CLINCH, Sarah Jane appointeddirector
Owner dependency
63/100
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.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Name changed recently
mediumName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-06-17: certificate-change-of-name-company
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Miss Sarah Jane Fox-Clinch Individual · British · DOB 12/1975 · age 51 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 12/11/2018 |
Mr Wesley Paul Davidson Individual · British · DOB 02/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 12/11/2018 |
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 · BS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| EUROPA UNDERWRITING LIMITED→ 03872760 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| EVERYSTEP FINANCIAL LIMITED→ 16512244 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FORWARD THINKING (BRISTOL) LIMITED→ 14589512 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| FYVIE FINANCIAL LTD→ 16082015 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| GLE FINANCE LIMITED→ 07690094 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| GLENTWORTH BATH LIMITED→ 15604371 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| GLOBAL BRIDGING LENDING LIMITED→ 08631592 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| GLOBAL BRIDGING OPERATING LIMITED→ 08631613 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| GOLDEN VALLEY FINANCIAL PLANNING LIMITED→ 12971495 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| GOODWILL FINANCIAL SERVICES LIMITED→ 05728336 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| GOODWILL MONEY LIMITED→ 15022024 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| GOODWIN ACTUARIAL SERVICES LTD→ 08617707 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
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
Incorporated2018-11-12
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
13 Orchard Street
Bristol
BS1 5EH
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-07-16
Last: 2026-07-02
Officers (2 active · 0 resigned)
DAVIDSON, Wesley Paul→
Activedirector · ~46y · appointed 2018-11-12
View their other companies + combined net worth →
FOX-CLINCH, Sarah Jane→
Activedirector · ~51y · appointed 2018-11-12
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (56 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-02
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-24
certificate-change-of-name-company
change-of-name · CERTNM
2025-06-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-20
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-25
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-09-18
change-person-director-company-with-change-date
officers · CH01
2023-09-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-06-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-05-23
change-person-director-company-with-change-date
officers · CH01
2023-05-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-05-23