INCA FINANCIAL YORK LTD
💤Zombieactive
13630980 · ltd · incorporated 2021-09-20
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
—
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 71/100 (strong), bankability 70/100. 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: 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 (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
25 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
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 |
|---|---|---|
| Average employees | 200 | 200 |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2025-07-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-13📄resolutionresolution · RESOLUTIONS
- 2025-02-13📄memorandum-articlesincorporation · MA
- 2025-02-10📄capital-allotment-sharescapital · SH01
- 2024-08-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-16✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2023-11-16✏️change-of-name-noticechange-of-name · CONNOT
- 2023-05-23📄accounts-amended-with-accounts-type-micro-entityaccounts · AAMD
- 2023-05-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-16✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2023-03-03✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2022-12-16📄memorandum-articlesincorporation · MA
- 2022-12-16📄resolutionresolution · RESOLUTIONS
- 2022-12-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-12-02➖MASON, Laura Jennifer resigneddirector
- 2022-11-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-11-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-11-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-11-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-21📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2021-09-20🏢Company incorporatedAs INCA FINANCIAL YORK LTD
- 2021-09-20➕AIKMAN, John Laidlaw appointeddirector
- 2021-09-20➕MASON, Laura Jennifer appointeddirector
- 2021-09-20📄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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Laidlaw Aikman Individual · British · DOB 01/1990 · age 36 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 20/09/2021 |
1 historic (ceased) PSC
- Mrs Laura Jennifer Masonceased 20/09/2021· 25-50% shares
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 · YO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| FIRST SOVEREIGN PROJECTS LIMITED→ 12591799 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| GROW INVEST LTD→ 13304561 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| GROWTH PARTNER VENTURES LIMITED→ 15581319 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| GW FINANCIAL MANAGEMENT LTD→ 07937117 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| HALLGARTH WEALTH PLANNING (YORKSHIRE) LTD→ 11923820 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| HARPIN FINCO LIMITED→ 14541666 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| HINCHLIFFE FINANCIAL SERVICES LTD→ 13759451 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| HSEINVESTMENTS LIMITED→ 07424370 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| I.T. SPARK LIMITED→ 11285474 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| I24 INVESTMENTS LIMITED→ 16013697 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| IDEAL FINANCIAL OPTIONS LTD→ 09134483 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| INFINITE FINANCIAL LIMITED→ 14011194 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2021-09-20
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
24 Howe End
Kirkbymoorside
York
YO62 6BD
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-03
Last: 2025-09-19
Officers (1 active · 1 resigned)
AIKMAN, John Laidlaw→
Activedirector · ~36y · appointed 2021-09-20
View their other companies + combined net worth →
MASON, Laura Jennifer→
Resigneddirector · ~35y · appointed 2021-09-20 · resigned 2022-12-02
Click a director name to see their full track record across all companies.
Recent filings (25 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-22
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-14
resolution
resolution · RESOLUTIONS
2025-02-13
memorandum-articles
incorporation · MA
2025-02-13
capital-allotment-shares
capital · SH01
2025-02-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-27
certificate-change-of-name-company
change-of-name · CERTNM
2023-11-16
change-of-name-notice
change-of-name · CONNOT
2023-11-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-19
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2023-05-23
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-15
certificate-change-of-name-company
change-of-name · CERTNM
2023-03-16
certificate-change-of-name-company
change-of-name · CERTNM
2023-03-03
memorandum-articles
incorporation · MA
2022-12-16