HARMONY FINANCIAL LIMITED
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: medium (72/100)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 · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 |
|---|---|
| Total assets | £332 |
| Cash | £13.6k |
| Net assets | £332 |
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
- • 2 capital
- • 1 incorporation
- • 1 resolution
Corporate timeline (10 events)Click to expand
- 2026-04-13📄memorandum-articlesincorporation · MA
- 2026-04-13📄resolutionresolution · RESOLUTIONS
- 2026-04-11📄capital-name-of-class-of-sharescapital · SH08
- 2026-04-10📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2025-09-01📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-08-29📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2023-12-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-11-29🏢Company incorporatedAs HARMONY FINANCIAL LIMITED
- 2023-11-29➕PHILP, Thomas James appointeddirector
- 2023-11-29📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Young company: Only 2.7 years old — management layer unlikely to be developed.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Thomas James Philp Individual · British · DOB 05/1988 · age 38 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 29/11/2023 |
1 historic (ceased) PSC
- Miss Sarah Jayne Davisceased 07/12/2023· 25-50% shares · 25-50% voting · board control
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
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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 →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 (1 active · 0 resigned)
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