CALEB ROBERTS FINANCIAL SERVICES LIMITED

🌳Matureactive
01854288 · ltd · incorporated 1984-10-11
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: SIC 99999
Sector: Extraterritorial bodies
Investor take
Pursue
Active trading company with a 72-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (73/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 41.6y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 41.6 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
13 officers (3 active, 13 linked, 11 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
126 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees300300

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
  1. 2025-10-13
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2024-08-08
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  3. 2023-07-25
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  4. 2022-12-04
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  5. 2021-08-31
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  6. 2020-12-29
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  7. 2019-11-28
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  8. 2018-10-16
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  9. 2017-12-21
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  10. 2016-11-16
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  11. 2016-08-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2016-08-08
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  13. 2016-08-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2016-07-18
    ➖
    WILLIAMS, Ivor Geoffrey resigned
    secretary
  15. 2016-07-18
    ➖
    WILLIAMS, Ivor Geoffrey resigned
    director
  16. 2016-03-31
    ➖
    PODD, Clive Woodrooffe resigned
    director
  17. 2015-11-03
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  18. 2015-08-25
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  19. 2006-09-29
    🔓
    Charge satisfied #3
  20. 2006-09-29
    🔓
    Charge satisfied #2
  21. 2001-11-28
    ➕
    CLEAVES, Robert appointed
    director
  22. 2001-08-17
    ➖
    THOMPSON, Gwendoline Joan resigned
    director
  23. 2001-01-31
    ➕
    CAMPBELL, Charles William appointed
    director
  24. 2001-01-31
    ➕
    CAMPBELL, Hugh Alistair appointed
    director
  25. 2001-01-31
    ➖
    DAVIES, Ruth Mary resigned
    secretary
  26. 2001-01-31
    ➕
    WILLIAMS, Ivor Geoffrey appointed
    secretary
  27. 2001-01-31
    ➖
    CAMPBELL, Christopher Paul Tudor resigned
    director
  28. 2001-01-31
    ➖
    DAVIES, Ruth Mary resigned
    director
  29. 2001-01-31
    ➕
    PODD, Clive Woodrooffe appointed
    director
  30. 2001-01-31
    ➕
    THOMPSON, Gwendoline Joan appointed
    director
  31. 2001-01-31
    ➕
    WILLIAMS, Ivor Geoffrey appointed
    director
  32. 1999-07-05
    🔒
    Charge registered #4
    Lender: Midland Bank PLC
  33. 1998-04-07
    🔒
    Charge registered #3
    Lender: National Westminster Bank PLC
  34. 1998-03-13
    ➖
    MILLS, Geraldine resigned
    director
  35. 1995-07-28
    ➖
    EVANS, Michael John resigned
    director
  36. 1995-06-01
    ➕
    MILLS, Geraldine appointed
    director
  37. 1994-01-01
    ➖
    ROBERTS, Sidney Stone resigned
    director
  38. 1992-07-17
    🔒
    Charge registered #2
    Lender: National Westminster Bank PLC
  39. 1992-07-01
    ➕
    EVANS, Michael John appointed
    director
  40. 1992-02-10
    ➕
    ROBERTS, Sidney Stone appointed
    director
  41. 1989-05-22
    🔓
    Charge satisfied #1
  42. 1984-10-30
    🔒
    Charge registered #1
    Lender: Nationwide Building Society Chief Office
  43. 1984-10-11
    🏢
    Company incorporated
    As CALEB ROBERTS FINANCIAL SERVICES LIMITED

Owner dependency

83/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 72 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 42 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

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Caleb Roberts Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Caleb Roberts Group Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
CALEB ROBERTS FINANCIAL SERVICES LIMITED
This company · 01854288

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%
NameSharesVoting rightsNature of controlNotified
Caleb Roberts Group Limited
Corporate entity
75–100%
75–100%75-100% shares · 75-100% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒Advanced scoring suite

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

Statusactive
Typeltd
Incorporated1984-10-11
Jurisdictionengland-wales
Primary SIC99999 — SIC 99999

Registered office

Wylcwm Place
Knighton
Powys
LD7 1AE

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-14
Last: 2025-07-31

Officers (3 active · 10 resigned)

CAMPBELL, Charles William→
director · ~56y · appointed 2001-01-31
View their other companies + combined net worth →
Active
CAMPBELL, Hugh Alistair→
director · ~56y · appointed 2001-01-31
View their other companies + combined net worth →
Active
CLEAVES, Robert→
director · ~72y · appointed 2001-11-28
View their other companies + combined net worth →
Active
DAVIES, Ruth Mary→
secretary · resigned 2001-01-31
Resigned
WILLIAMS, Ivor Geoffrey→
secretary · appointed 2001-01-31 · resigned 2016-07-18
Resigned
CAMPBELL, Christopher Paul Tudor→
director · ~79y · resigned 2001-01-31
Resigned
DAVIES, Ruth Mary→
director · ~82y · resigned 2001-01-31
Resigned
EVANS, Michael John→
director · ~70y · appointed 1992-07-01 · resigned 1995-07-28
Resigned
MILLS, Geraldine→
director · ~74y · appointed 1995-06-01 · resigned 1998-03-13
Resigned
PODD, Clive Woodrooffe→
director · ~72y · appointed 2001-01-31 · resigned 2016-03-31
Resigned
ROBERTS, Sidney Stone→
director · ~73y · appointed 1992-02-10 · resigned 1994-01-01
Resigned
THOMPSON, Gwendoline Joan→
director · ~75y · appointed 2001-01-31 · resigned 2001-08-17
Resigned
WILLIAMS, Ivor Geoffrey→
director · ~66y · appointed 2001-01-31 · resigned 2016-07-18
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

4
Total charges
1
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Midland Bank
Midland Bank PLC
Debenture1 property05/07/1999—
satisfied
National Westminster Bank
National Westminster Bank PLC
Mortgage debenture1 property07/04/199829/09/2006
satisfied
National Westminster Bank
National Westminster Bank PLC
Mortgage debenture1 property17/07/199229/09/2006
satisfied
Nationwide
Nationwide Building Society Chief Office
Legal charge of collateral security1 property30/10/198422/05/1989
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (126 total)

accounts-with-accounts-type-dormant
accounts · AA
2025-10-13
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-12
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-13
accounts-with-accounts-type-dormant
accounts · AA
2024-08-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-03
accounts-with-accounts-type-dormant
accounts · AA
2023-07-25
accounts-with-accounts-type-dormant
accounts · AA
2022-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-18
accounts-with-accounts-type-dormant
accounts · AA
2021-08-31
confirmation-statement-with-updates
confirmation-statement · CS01
2021-08-15
accounts-with-accounts-type-dormant
accounts · AA
2020-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-13
accounts-with-accounts-type-dormant
accounts · AA
2019-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-09-03
accounts-with-accounts-type-dormant
accounts · AA
2018-10-16