CARDIFF FINANCIAL SERVICES LIMITED
💤Zombieactive
13272147 · ltd · incorporated 2021-03-16
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 Mar 2025
Net worth
£42.1k
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
- 66190Other activities auxiliary to financial services, except insurance and pension funding
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 72/100 (strong), bankability 75/100. 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).
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
19 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
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
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 £42,101
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
£42k
Current Assets
£58k
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 |
|---|---|
| Total assets | £42.1k |
| Current assets | £57.5k |
| Net assets | £42.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-27📄accounts-amended-with-accounts-type-micro-entityaccounts · AAMD
- 2025-01-06📄accounts-amended-with-accounts-type-micro-entityaccounts · AAMD
- 2024-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-03-08📄change-person-director-company-with-change-dateofficers · CH01
- 2023-12-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-01-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-01-15➖MUDGAL, Rimpy resigneddirector
- 2023-01-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-01-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-01-01➕MUDGAL, Rimpy appointeddirector
- 2022-12-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-03-16🏢Company incorporatedAs CARDIFF FINANCIAL SERVICES LIMITED
- 2021-03-16➕MUDGAL, Puneet Kumar appointeddirector
- 2021-03-16📄incorporation-companyincorporation · NEWINC
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
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 |
|---|---|---|---|---|
Mrs Rimpy Mudgal Individual · British · DOB 08/1974 · age 52 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 01/01/2023 |
Mr Puneet Kumar Mudgal Individual · British · DOB 10/1973 · age 53 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 16/03/2021 |
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 · CF postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BONDALEN LTD→ 05156192 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| BROADSHAW LIMITED→ 14316358 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BUSINESS EYE SECURITY SERVICES LTD→ 14451473 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CADENA INVESTMENTS LIMITED→ 15961906 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CAMBRICA WEALTH MANAGEMENT LIMITED→ 16379009 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CAMPBELL MORTGAGE SERVICES LTD→ 14705854 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CANDLESTON FINANCIAL SERVICES LIMITED→ 05172411 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| CARDIFF MORTGAGE CENTRE LTD→ 07811041 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CARLSON WEALTH MANAGEMENT LIMITED→ 09408222 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| CARPE MOMENTUM LIMITED→ 10054031 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| CASCADE FINANCE LIMITED→ 05773652 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| CASCADEWM LTD→ 07069341 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
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
Incorporated2021-03-16
Jurisdictionwales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
33 Monkstone Rise
Rumney
Cardiff
CF3 3LW
Wales
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-26
Last: 2026-01-12
Officers (1 active · 1 resigned)
MUDGAL, Puneet Kumar→
Activedirector · ~53y · appointed 2021-03-16
View their other companies + combined net worth →
MUDGAL, Rimpy→
Resigneddirector · ~52y · appointed 2023-01-01 · resigned 2023-01-15
Click a director name to see their full track record across all companies.
Recent filings (19 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-05
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-31
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2025-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-06
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2025-01-06
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-03-08
change-person-director-company-with-change-date
officers · CH01
2024-03-08
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-30
termination-director-company-with-name-termination-date
officers · TM01
2023-01-29
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-12
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-01-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-12
appoint-person-director-company-with-name-date
officers · AP01
2023-01-12