APEX FINANCIAL GROUP LTD

💤Zombieactive
14221225 · ltd · incorporated 2022-07-07
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 Jul 2025
Net worth
£-14.6k
book net assets
Opportunity
70/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 70/100 (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
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
19 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
55
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Negative net assets
Liabilities exceed assets by £14,577
Net assets shrinking
Down £18,815 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
-£15k
↓ 444% YoY
Current Assets
£843
↓ 93% YoY
Current Liabilities
-£15k-£9k-£4k£2k£7k£12kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-07-312024-07-31
Total assets£-13.2k£5.7k
Current assets£843£12.4k
Net assets£-14.6k£4.2k

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
1
filing
  • 1 accounts
Last 90 days
1
filing
  • 1 accounts
Last 180 days
1
filing
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
  1. 2026-04-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-08-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2025-07-08
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  4. 2025-07-01
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  5. 2025-03-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2025-02-26
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  7. 2024-12-17
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  8. 2024-10-31
    📍
    default-companies-house-service-address-applied-psc
    address · RP10
  9. 2024-10-31
    📍
    default-companies-house-service-address-applied-officer
    address · RP09
  10. 2024-10-31
    📍
    default-companies-house-registered-office-address-applied
    address · RP05
  11. 2024-09-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2024-08-14
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  13. 2024-06-04
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  14. 2023-10-21
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  15. 2023-09-26
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  16. 2022-07-07
    🏢
    Company incorporated
    As APEX FINANCIAL GROUP LTD
  17. 2022-07-07
    SUDRA, Rishi Dilip appointed
    director
  18. 2022-07-07
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

75/100
High — earn-out structure required

Material 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 signal

Some 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

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Rishi Dilip Sudra
Individual · British · DOB 02/1988 · age 38
75100%
75–100%board control75-100% shares · 75-100% voting · board control07/07/2022

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 →

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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
Incorporated2022-07-07
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

29 Monkswood Avenue
Waltham Abbey
Essex
EN9 1LA

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-07-20
Last: 2025-07-06

Officers (1 active · 0 resigned)

SUDRA, Rishi Dilip
director · ~38y · appointed 2022-07-07
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Recent filings (19 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-27
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-27
gazette-filings-brought-up-to-date
gazette · DISS40
2025-07-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-07
gazette-notice-compulsory
gazette · GAZ1
2025-07-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-11
gazette-filings-brought-up-to-date
gazette · DISS40
2025-02-26
gazette-notice-compulsory
gazette · GAZ1
2024-12-17
default-companies-house-service-address-applied-psc
address · RP10
2024-10-31
default-companies-house-service-address-applied-officer
address · RP09
2024-10-31
default-companies-house-registered-office-address-applied
address · RP05
2024-10-31
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-10
gazette-filings-brought-up-to-date
gazette · DISS40
2024-08-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-13
gazette-notice-compulsory
gazette · GAZ1
2024-06-04