FINANCIA CREDIT VERSATEC-FINTECH (UK) LTD
Opportunity 72/100 (strong), bankability 70/100. Strong seller-intent signal (60/100, director aged 65). 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: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (70/100)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 | 2025-01-31 |
|---|---|
| Total assets | £100 |
| Net assets | £100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Corporate timeline (12 events)Click to expand
- 2025-09-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-08-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-08-01➖FERNANDES, Julian Badenes resigneddirector
- 2025-07-24✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-04-23📄gazette-filings-brought-up-to-dategazette · DISS40
- 2025-04-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-04-15📄gazette-notice-compulsorygazette · GAZ1
- 2024-01-24🏢Company incorporatedAs FINANCIA CREDIT VERSATEC-FINTECH (UK) LTD
- 2024-01-24➕SEGUNDO, Esequiel Lourenco Da Cunha appointeddirector
- 2024-01-24➕FERNANDES, Julian Badenes appointeddirector
- 2024-01-24📄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.
- +Founder age: Director aged approximately 65 — succession pressure is live.
- +Young company: Only 2.5 years old — management layer unlikely to be developed.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-07-24: certificate-change-of-name-company
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Esequiel Lourenco Da Cunha Segundo Individual · Angolan · DOB 01/1961 · age 65 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 24/01/2024 |
1 historic (ceased) PSC
- Mr Julian Badenes Fernandesceased 01/08/2025· 50-75% shares · 50-75% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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9 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.
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Registered office
Filing status
Officers (1 active · 1 resigned)
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