CONFIDA FM LIMITED
Opportunity 46/100 (watch), bankability 37/100. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: asset disposal / carve-out (35/100). Current lenders should be on monthly review.
Refinance opportunity
4 live charges · 4 lenders · oldest 9.0y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 9.0 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 33/100 — workable, but lender will want more DD.
- · Not currently profitable — coverage conversation is a harder sell.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2023-12-31 |
|---|---|
| Turnover | £2.16M |
| Gross profit | £479.9k |
| Operating profit | £-326.4k |
| Profit before tax | £-331.3k |
| Average employees | 20900 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 signals 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 gazette
- • 1 address
- • 1 gazette
- • 1 address
Corporate timeline (46 events)Click to expand
- 2026-03-10📄gazette-notice-compulsorygazette · GAZ1
- 2026-03-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-05-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-05-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-05-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-05-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-05-08📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2025-04-06➕ATKINSON, Paul David appointeddirector
- 2025-04-06➕BOLTON, Edward John appointeddirector
- 2025-04-06➖EARLEY, Nicholas James resigneddirector
- 2025-04-06➖EMPSON, Raymond William resigneddirector
- 2025-04-03📄legacycapital · SH20
- 2025-04-03⚠️legacyinsolvency · CAP-SS
- 2025-04-03📄resolutionresolution · RESOLUTIONS
- 2025-01-31📄accounts-with-accounts-type-fullaccounts · AA
- 2024-04-22📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-03-25📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-08-31📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-08-31📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-08-31📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-08-31📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-08-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-08-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-08-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-08-31📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2023-08-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-07-31➖COSH, Stephen resigneddirector
- 2023-07-31➕EARLEY, Nicholas James appointeddirector
- 2023-07-31➕EMPSON, Raymond William appointeddirector
- 2023-07-31➖MURRAY, Ian James resigneddirector
- 2023-07-31➖MURRAY MBE, Lorraine resigneddirector
- 2021-04-30➖KWOK, Frances resigneddirector
- 2020-07-30🔓Charge satisfied #2
- 2020-07-27🔒Charge registered #4Lender: Close Invoice Finance Limited, 10 Crown Place, London, EC2A 4FT ("Close")
- 2020-04-14🔒Charge registered #3Lender: Bank of Scotland PLC
- 2019-05-03➕KWOK, Frances appointeddirector
- 2019-04-03🔓Charge satisfied #1
- 2018-06-18🔒Charge registered #2Lender: Bibby Factors Scotland Limited
- 2017-11-10➕COSH, Stephen appointeddirector
- 2017-06-14🔒Charge registered #1Lender: Igf Business Credit Limited
- 2017-05-11➖DEANE, David William resigneddirector
- 2017-05-11➕MURRAY, Ian James appointeddirector
- 2017-05-11➕MURRAY MBE, Lorraine appointeddirector
- 2017-04-07🏢Company incorporatedAs CONFIDA FM LIMITED
- 2017-04-07➕DEANE, David William appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
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
3 high · 1 med ·Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2025-12-31
Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-04-20
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2025-04-03: legacy
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Atlas Fm Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Atlas Fm Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 31/07/2023 |
4 historic (ceased) PSCs
- Mr Stephen Coshceased 31/07/2023· 25-50% shares · 25-50% voting
- Mr Ian James Murrayceased 31/07/2023· 25-50% shares · 25-50% voting · board control
- Mrs Lorraine Murrayceased 31/07/2023· 25-50% shares · 25-50% voting · board control
- Mr David William Deaneceased 11/05/2017· 75-100% shares · 75-100% 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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11 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 (2 active · 7 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Close Invoice Finance , 10 Crown Place, London, EC2A 4FT ("Close") Close Invoice Finance Limited, 10 Crown Place, London, EC2A 4FT ("Close") | A registered charge | — | 27/07/2020 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 14/04/2020 | — | |
| satisfied | Bibby Financial Services Bibby Factors Scotland Limited | A registered charge | — | 18/06/2018 | 30/07/2020 | |
| satisfied | Igf Business Credit Igf Business Credit Limited | A registered charge | — | 14/06/2017 | 03/04/2019 |