AIVER CONTRACTS LIMITED

🌳Matureactive
01922149 · ltd · incorporated 1985-06-13
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
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: Other amusement and recreation activities n.e.c.
Sector: Arts, entertainment & recreation
Investor take
Pursue
Active trading company with a 63-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (80/100, director aged 63). 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

5 live charges · 3 lenders · oldest 31.2y

35/100
too messy

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

  • · Oldest live charge is 31.2 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (57/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
106 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.

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 (32 events)Click to expand
  1. 2025-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-08-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-07-10
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2024-07-10
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-07-10
    🔓
    Charge satisfied #5
  6. 2024-07-10
    🔓
    Charge satisfied #4
  7. 2023-08-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-09-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-09-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2020-09-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-08-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2018-09-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2016-09-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-10-22
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-09-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2014-10-31
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  18. 2011-06-21
    🔒
    Charge registered #5
    Lender: Hsbc Bank PLC
  19. 2010-09-30
    🔒
    Charge registered #4
    Lender: Hsbc Bank PLC
  20. 2010-09-14
    🔓
    Charge satisfied #3
  21. 2005-01-27
    🔓
    Charge satisfied #2
  22. 2005-01-24
    🔒
    Charge registered #3
    Lender: National Westminster Bank PLC
  23. 2002-09-20
    ➕
    GEAR, Jacqueline Elizabeth appointed
    secretary
  24. 2002-09-20
    ➕
    GEAR, David appointed
    director
  25. 2002-09-20
    ➕
    GEAR, Jacqueline Elizabeth appointed
    director
  26. 2002-09-20
    ➖
    DENNIS, Mary Reavey resigned
    secretary
  27. 2002-09-20
    ➖
    DENNIS, Mary Reavey resigned
    director
  28. 2002-09-20
    ➖
    DENNIS, Peter Rowland resigned
    director
  29. 1997-08-28
    🔓
    Charge satisfied #1
  30. 1997-02-27
    🔒
    Charge registered #2
    Lender: Midland Bank PLC
  31. 1995-04-06
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  32. 1985-06-13
    🏢
    Company incorporated
    As AIVER CONTRACTS LIMITED

Owner dependency

84/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 41 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.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr David Gear
Individual · British · DOB 09/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mrs Jacqueline Elizabeth Gear
Individual · British · DOB 04/1963 · age 63
25–50%
25–50%25-50% shares · 25-50% 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

6 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
Incorporated1985-06-13
Jurisdictionengland-wales
Primary SIC93290 — Other amusement and recreation activities n.e.c.

Registered office

Unit 10 Pindar Road
Hoddesdon
Hertfordshire
EN11 0BZ

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-23
Last: 2025-10-09

Officers (3 active · 3 resigned)

GEAR, Jacqueline Elizabeth→
secretary · appointed 2002-09-20
View their other companies + combined net worth →
Active
GEAR, David→
director · ~59y · appointed 2002-09-20
View their other companies + combined net worth →
Active
GEAR, Jacqueline Elizabeth→
director · ~63y · appointed 2002-09-20
View their other companies + combined net worth →
Active
DENNIS, Mary Reavey→
secretary · resigned 2002-09-20
Resigned
DENNIS, Mary Reavey→
director · ~82y · resigned 2002-09-20
Resigned
DENNIS, Peter Rowland→
director · ~84y · resigned 2002-09-20
Resigned

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

Mortgages & charges

5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
satisfied
HSBC
Hsbc Bank PLC
Debenture1 property21/06/201110/07/2024
satisfied
HSBC
Hsbc Bank PLC
Legal mortgage1 property30/09/201010/07/2024
satisfied
National Westminster Bank
National Westminster Bank PLC
Debenture1 property24/01/200514/09/2010
satisfied
Midland Bank
Midland Bank PLC
Fixed and floating charge1 property27/02/199727/01/2005
satisfied
National Westminster Bank
National Westminster Bank PLC
Mortgage debenture1 property06/04/199528/08/1997

Recent filings (106 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-31
mortgage-satisfy-charge-full
mortgage · MR04
2024-07-10
mortgage-satisfy-charge-full
mortgage · MR04
2024-07-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-12
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-28
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-09