CLOVER LEAF CARS LIMITED
Opportunity 55/100 (worth a look), bankability 72/100. Strong seller-intent signal (60/100, director aged 59). Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
8 live charges · 5 lenders · oldest 51.1y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 51.1 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Recent activity
Corporate timeline (99 events)Click to expand
- 2021-05-11📄gazette-dissolved-voluntarygazette · GAZ2(A)
- 2021-05-11🏁Company dissolved
- 2020-12-04📄legacyaccounts · PARENT_ACC
- 2020-12-04📄legacyother · GUARANTEE1
- 2020-12-04📄legacyother · AGREEMENT1
- 2020-10-13📄dissolution-voluntary-strike-off-suspendeddissolution · SOAS(A)
- 2020-09-08📄gazette-notice-voluntarygazette · GAZ1(A)
- 2020-08-27📄dissolution-application-strike-off-companydissolution · DS01
- 2020-07-30📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2020-07-30📄legacycapital · SH20
- 2020-07-30⚠️legacyinsolvency · CAP-SS
- 2020-07-30📄resolutionresolution · RESOLUTIONS
- 2019-09-17📄legacyother · GUARANTEE1
- 2019-09-17📄legacyaccounts · PARENT_ACC
- 2019-09-17📄legacyother · AGREEMENT1
- 2019-01-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-01-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-01-01➕MUIR, David John appointeddirector
- 2019-01-01➖BISHOP, Matthew resigneddirector
- 2018-10-17📄legacyother · AGREEMENT1
- 2018-10-07📄legacyother · GUARANTEE1
- 2018-10-07📄legacyaccounts · PARENT_ACC
- 2017-10-26📄legacyother · AGREEMENT1
- 2017-10-17📄legacyaccounts · PARENT_ACC
- 2017-10-17📄legacyother · GUARANTEE1
- 2016-04-01➖BEATTIE, Craig Alan resigneddirector
- 2016-04-01➕BISHOP, Matthew appointeddirector
- 2015-07-09➖HERBERT, Mark Philip resigneddirector
- 2013-04-08➕BEATTIE, Craig Alan appointeddirector
- 2013-01-14➕FINCH, Mark appointedsecretary
- 2013-01-14➕FINCH, Mark Charles appointeddirector
- 2013-01-14➖MACNAMARA, Richard James resignedsecretary
- 2013-01-14➖MACNAMARA, Richard James resigneddirector
- 2010-02-08➕MACNAMARA, Richard James appointedsecretary
- 2010-02-08➖JONES, Alun Morton resigneddirector
- 2010-02-08➕MACNAMARA, Richard James appointeddirector
- 2009-11-27➖WATSON, Deirdre Mary Alison resignedsecretary
- 2009-11-27➕JONES, Alun Morton appointeddirector
- 2009-11-27➖WATSON, Deirdre Mary Alison resigneddirector
- 2007-07-24➕HERBERT, Mark Philip appointeddirector
- 2007-07-24➖HOUSTON, Samuel George resigneddirector
- 2005-10-05🔓Charge satisfied #8
- 2004-07-01➕WATSON, Deirdre Mary Alison appointedsecretary
- 2004-06-30➖MATHESON & CO LIMITED resignedcorporate-secretary
- 2003-12-23🔓Charge satisfied #5
- 2003-06-30➖WILLIAMS, Steven Wyn resigneddirector
- 2001-09-20➕HOUSTON, Samuel George appointeddirector
- 2001-06-30➕WILLIAMS, Steven Wyn appointeddirector
- 2001-06-29➖POTTS, Derek resigneddirector
- 2000-11-01➕WATSON, Deirdre Mary Alison appointeddirector
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.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- secondaryStable-but-static management: Company is 66 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 high · 1 med ·Company has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2021-05-11
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2020-07-30: legacy
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Appleyard Group Limited 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 |
|---|---|---|---|---|
Appleyard Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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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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 (0 active · 30 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Volkswagen Financial Services (UK) Volkswagen Financial Services (UK) Limited | Charge | 1 property | 10/01/1995 | 05/10/2005 | |
| satisfied | Bmw Finance (GB) Bmw Finance (GB) Limited | Debenture | 1 property | 17/09/1992 | 13/07/1996 | |
| satisfied | NatWest Group Coutts & Company | Legal mortgage | 1 property | 22/03/1991 | 18/05/1995 | |
| satisfied | NatWest Group Coutts & Company | Legal mortgage | 1 property | 22/03/1991 | 23/12/2003 | |
| satisfied | NatWest Group Coutts and Company Bankers | Legal mortgage registered pursuant to an order of court dated 2/7/85 | 1 property | 07/11/1985 | 11/05/1995 | |
| satisfied | NatWest Group Coutts & Company | Mortgage debenture | 1 property | 22/02/1985 | 10/05/1995 | |
| satisfied | Alfa Romeo Finance Alfa Romeo Finance Limited | Charge | 1 property | 27/09/1982 | 23/11/1995 | |
| satisfied | NatWest Group Coutts & Company | Mortgage | 1 property | 12/05/1975 | 05/05/1994 |