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C & F FINANCIAL SERVICES LIMITED

💤Zombieactive

11790520 · ltd · incorporated 2019-01-28

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.

Why now

Window steady · high confidence

Thesis has shifted recently — watch for confirmation.

· Lifecycle stage: established → zombie
· Investment thesis: unclassified → zombie_hold
· Deal-killer verdict: clean → complicated
· Hygiene score: 90 → 80

Opportunity decay

drifting distress · 6-months

Drifting toward distress — expect more negotiability in 3–6 months, but also more friction.

· Lifecycle stage drifting downward
· Currently "zombie"

What changed my view

Last 30 days

Picture worsened over the last 30 days — 4 negative signals vs 0 positive.

↓Lifecycle stage: established → zombie
·Investment thesis: unclassified → zombie_hold
↓Deal-killer verdict: clean → complicated
↓Hygiene score: 90 → 80
↓PSC count: 1 → 0

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£19.1k

book net assets

Opportunity

68/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle. Reasonable fundamentals — worth a memo before deciding.

Opportunity 68/100 (strong), bankability 75/100. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: low (47/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

No charge records returned

Directors & officers

No officers data

Ownership & PSC

No PSC data returned

Director network

Network not yet resolved

Filing history

No filing history

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

68/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £19,053

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£19k

↑ 45% YoY

Current Assets

£43k

↑ 36% 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	£21.7k	£13.1k
Current assets	£43.4k	£31.9k
Net assets	£19.1k	£13.1k

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 →

Corporate timeline (1 events)Click to expand

2019-01-28
🏢
Company incorporated
As C & F FINANCIAL SERVICES LIMITED

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

+No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

30/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

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KINGSLAND WEALTH MANAGEMENT LIMITED→ 04414865 · est 2002	—	—	—	2000	24y	81	70y
ORACLE FINANCIAL PLANNING LIMITED→ 06753174 · est 2008	—	—	£108.9k	—	17y	81	65y
ADVICE AND SOLUTIONS LIMITED→ 05287908 · est 2004	—	—	£29.7k	—	21y	80	67y
ALLEN TOMAS & CO FINANCIAL MANAGEMENT LTD.→ 08864562 · est 2014	—	—	£93.6k	—	12y	80	58y
BROWN & SUTHERLAND ASSOCIATES LIMITED→ 05663340 · est 2005	—	—	—	—	20y	80	67y
COMPLIANCE CONSULTANTS (KENT AND ESSEX) LIMITED→ 06053915 · est 2007	—	—	£1	—	19y	80	78y
1ST FINANCIAL GROUP LIMITED→ 04206886 · est 2001	—	—	£100.4k	—	25y	79	61y
GENTOO GENIE LIMITED→ 07083129 · est 2009 · no financials extracted	—	—	—	—	16y	79	63y
TRANSCARE SOLUTIONS LIMITED→ 04069718 · est 2000 · no financials extracted	—	—	—	—	25y	79	59y
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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.

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🔒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.

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Company details

Statusactive

Typeltd

Incorporated2019-01-28

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

2 Westray Close

Hollycarrside

Sunderland

Tyne And Wear

SR2 0TD

England

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-02-10

Last: 2026-01-27