BALSA COMMERCIAL FINANCE LIMITED
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. 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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-11-30 | 2024-11-30 |
|---|---|---|
| Total assets | £25.2k | £18.1k |
| Current assets | £83.2k | £71.9k |
| Cash | — | £71.9k |
| Net assets | £2.6k | £18.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
Corporate timeline (9 events)Click to expand
- 2026-03-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-04-22📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2025-02-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-22🏢Company incorporatedAs BALSA COMMERCIAL FINANCE LIMITED
- 2022-11-22➕DARBYSHIRE, Steven appointedsecretary
- 2022-11-22➕DARBYSHIRE, Amanda appointeddirector
- 2022-11-22➕DARBYSHIRE, Steven appointeddirector
- 2022-11-22📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Amanda Darbyshire Individual · British · DOB 11/1982 · age 44 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 22/11/2022 |
Mr Steven Darbyshire Individual · British · DOB 01/1983 · age 43 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 22/11/2022 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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 · M postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ASL MORTGAGES AND PROTECTION LTD→ 12313996 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ASSETUS LIMITED→ 16194923 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ATLANTA INSURANCE INTERMEDIARIES LIMITED→ 00756681 · est 1963 · no financials extracted | — | — | — | — | 63y | — | — |
| AUCTERIS LIMITED→ 16713515 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AZURO MONEY LIMITED→ 15885946 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| B.K.L. INVESTMENTS LIMITED→ 00930605 · est 1968 · no financials extracted | — | — | — | — | 57y | — | — |
| BAMBURGH CAPITAL LIMITED→ 07155076 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| BARLOW IRVIN FINANCIAL SERVICES LTD→ 11391196 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BARRMONA HOLDINGS LTD→ 11909914 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| BARUCH H LTD→ 14124495 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BBA LONDON FINANCE LIMITED→ 14116180 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BBB RESOURCES LTD→ 15401730 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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 →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
Registered office
Filing status
Officers (3 active · 0 resigned)
Click a director name to see their full track record across all companies.