FENECH MILLER HOLDINGS LTD
Opportunity 71/100 (strong), bankability 75/100. 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: distressed disposal / insolvency (65/100).
Refinance opportunity
2 live charges · oldest 0.2y
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.2 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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 · FRS 105 (micro)Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 |
|---|---|
| Total assets | £-36.3k |
| Current assets | £5.7k |
| Net assets | £-37.3k |
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 mortgage
- • 2 mortgage
Corporate timeline (13 events)Click to expand
- 2026-02-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-16🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2026-02-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-12🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2025-06-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-18➖FENECH, Katrin, Dr resigneddirector
- 2024-10-17📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2023-10-16✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2023-10-09🏢Company incorporatedAs FENECH MILLER HOLDINGS LTD
- 2023-10-09➕MILLER, Zak appointeddirector
- 2023-10-09➕FENECH, Katrin, Dr appointeddirector
- 2023-10-09📄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 name in company name: Company name contains director surname "MILLER" — strong identity link between founder and business.
- +Young company: Only 2.6 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Zak Miller Individual · British · DOB 05/1996 · age 30 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 09/10/2023 |
Dr Katrin Fenech Individual · German · DOB 12/1964 · age 62 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 09/10/2023 |
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.
Available from the Pro tier upwards.
See pricing →Company details
Registered office
Filing status
Officers (1 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 16/02/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 12/02/2026 | — |