DIRECT COMMERCIAL PREMIUM FINANCE LIMITED
Opportunity 71/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: low (54/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 accounts
- • 1 accounts
- • 1 accounts
Corporate timeline (5 events)Click to expand
- 2026-07-14📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2026-01-29🏢Company incorporatedAs DIRECT COMMERCIAL PREMIUM FINANCE LIMITED
- 2026-01-29➕CUNNINGHAM, Philip Michael appointeddirector
- 2026-01-29➕GUILFOYLE, Liam James appointeddirector
- 2026-01-29📄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.
- +Young company: Only 0.5 years old — management layer unlikely to be developed.
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
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Philip Michael Cunningham Individual · British · DOB 01/1970 · age 56 | — | — | sig. influencesignificant influence | 29/01/2026 |
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.
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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.
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Registered office
Filing status
Officers (2 active · 0 resigned)
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