CFICO LIMITED
🏛️Establishedactive
13248773 · ltd · incorporated 2021-03-05
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
£4.80M
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Activities of open-ended investment companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
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 (77/100)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
4 officers (4 active, 4 linked, 3 with DOB)
85
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
13 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 · accounting standard not declaredPositive net assets
Net assets £4,797,704
Cash YoY
+2%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£6.1m
↑ 1.8% YoY
Net Worth
£4.8m
↑ 16% YoY
Current Assets
£36m
↑ 6.7% 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 | £31.10M | £30.42M |
| Current assets | £35.76M | £33.50M |
| Cash | £6.08M | £5.97M |
| Debtors | £35.5k | £49.5k |
| Net assets | £4.80M | £4.12M |
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
4
filings
- • 3 persons-with-significant-control
- • 1 confirmation-statement
Last 180 days
4
filings
- • 3 persons-with-significant-control
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (13 events)Click to expand
- 2026-03-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-03-05🏢Company incorporatedAs CFICO LIMITED
- 2021-03-05➕RAY BARTLETT (SOUTH WEST) LIMITED appointedcorporate-secretary
- 2021-03-05➕COWX, John Embleton appointeddirector
- 2021-03-05➕COWX, Patricia Ann appointeddirector
- 2021-03-05➕COWX (JNR), John Embleton appointeddirector
- 2021-03-05📄incorporation-companyincorporation · NEWINC
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 80 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 80 years old. Natural succession window is now.
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
3 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Embleton Cowx (Jnr) Individual · British · DOB 09/1980 · age 46 | 75–100% | — | 75-100% shares | 05/03/2021 |
Mrs Patricia Ann Cowx Individual · British · DOB 01/1949 · age 77 | — | — | sig. influencesignificant influence | 05/03/2021 |
Mr John Embleton Cowx Individual · British · DOB 10/1946 · age 80 | — | — | sig. influencesignificant influence | 05/03/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| CH PROPERTY TRUSTEE JARVIS LIMITED→ 08280023 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| CH PROPERTY TRUSTEE JOHN PARNELL LIMITED→ 07246602 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| CH PROPERTY TRUSTEE JOHNSEN LIMITED→ 10877191 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CH PROPERTY TRUSTEE KABIR LIMITED→ 11387088 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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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
Incorporated2021-03-05
Jurisdictionengland-wales
Primary SIC64304 — Activities of open-ended investment companies
Registered office
52-54 Winchester Street
Salisbury
Wiltshire
SP1 1HG
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-29
Last: 2026-03-15
Officers (4 active · 0 resigned)
RAY BARTLETT (SOUTH WEST) LIMITED→
Activecorporate-secretary · appointed 2021-03-05
View their other companies + combined net worth →
COWX, John Embleton→
Activedirector · ~80y · appointed 2021-03-05
View their other companies + combined net worth →
COWX, Patricia Ann→
Activedirector · ~77y · appointed 2021-03-05
View their other companies + combined net worth →
COWX (JNR), John Embleton→
Activedirector · ~46y · appointed 2021-03-05
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (13 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-07
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-09-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-15
incorporation-company
incorporation · NEWINC
2021-03-05