C&L FINEFFICIENCY LIMITED
🌿Early-stageactive
14008975 · ltd · incorporated 2022-03-29
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£48.7k
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and acceptable with review structure.
Opportunity 70/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: high (81/100)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
5 connected companies via shared directors
60
Filing history
15 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
60
Adequate — check latest filings for context.
Acquirability
50
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 £48,678
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£49k
↑ 1054% YoY
Current Assets
£70k
↑ 60% 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 | £48.7k | £4.2k |
| Current assets | £69.6k | £43.4k |
| Net assets | £48.7k | £4.2k |
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
3
filings
- • 2 persons-with-significant-control
- • 1 confirmation-statement
Last 180 days
3
filings
- • 2 persons-with-significant-control
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (14 events)Click to expand
- 2026-04-14📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-04-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-12-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-25✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2022-04-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-04-11📄change-person-director-company-with-change-dateofficers · CH01
- 2022-04-11📄change-person-director-company-with-change-dateofficers · CH01
- 2022-03-29🏢Company incorporatedAs C&L FINEFFICIENCY LIMITED
- 2022-03-29➕COX, Clare appointeddirector
- 2022-03-29➕SEYMOUR, Leila appointeddirector
- 2022-03-29📄incorporation-companyincorporation · NEWINC
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
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
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 |
|---|---|---|---|---|
Miss Clare Cox Individual · British · DOB 07/1977 · age 49 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 29/03/2022 |
Miss Leila Seymour Individual · British · DOB 10/2003 · age 23 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 10/02/2025 |
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 · CT postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 97 GROUP LIMITED→ 13156739 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CARROLL & CARROLL LIMITED→ 01610554 · est 1982 · no financials extracted | — | — | — | — | 44y | — | — |
| CHERRY TREE MANAGEMENT CONSULTANTS LTD→ 11811909 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CHRISTCHURCH INVESTMENT MANAGEMENT LIMITED→ 02269971 · est 1988 · no financials extracted | — | — | — | — | 37y | — | — |
| CHRISTIE WEALTH LTD→ 07902299 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| CJ MORTGAGES LTD→ 13587515 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| COSTA INSURANCE SERVICES LIMITED→ 05673635 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| CR SECURITY SOLUTIONS LTD→ 16873135 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CRAVEN STREET FINANCIAL PLANNING LIMITED→ 03852054 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| CRESCENT PEAK LTD→ 16792723 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CT-MORTGAGES LTD→ 13726418 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| D & P FINANCIAL SERVICES LIMITED→ 05452022 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
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
Incorporated2022-03-29
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
C/O Gf & Co
3 Braid Drive
Herne Bay
Kent
CT6 5DZ
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-11
Last: 2026-03-28
Officers (2 active · 0 resigned)
Active
SEYMOUR, Leila→
Activedirector · ~23y · appointed 2022-03-29
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (15 total)
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-04-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-14
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-11
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-15
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-12-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-29
certificate-change-of-name-company
change-of-name · CERTNM
2023-08-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-04-11
change-person-director-company-with-change-date
officers · CH01
2022-04-11
change-person-director-company-with-change-date
officers · CH01
2022-04-11
incorporation-company
incorporation · NEWINC
2022-03-29