CLERVAUX TRUST HOLDINGS

🌳Matureactive

03841399 · private-limited-guarant-nsc-limited-exemption · incorporated 1999-09-14

Investment thesis

Looks cheap but ownership + security both unclear — probable value trap.

Why interesting: Headline metrics may be attractive.

Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Nov 2025

Net worth

£2.2k

book net assets

Opportunity

80/100

Exceptional

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Other education n.e.c.

Sector: Education

Investor take

Pursue

Active trading company with a 77-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (63/100, director aged 77). 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

3 live charges · 3 lenders · oldest 17.3y

15/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 17.3 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (73/100)

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

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

22 officers (4 active, 22 linked, 18 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

8 connected companies via shared directors

Filing history

122 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £2,188

Net assets shrinking

Down £1,633 YoY

Cash YoY

-28%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£3k

↓ 28% YoY

Net Worth

£2k

↓ 43% YoY

Current Assets

£4k

↓ 8.2% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-11-25	2024-11-25
Total assets	£2.2k	£3.8k
Current assets	£4.4k	£4.8k
Cash	£2.8k	£3.9k
Debtors	£1.6k	£866
Net assets	£2.2k	£3.8k

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

🔒Filing-note intelligence

2 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

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (60 events)Click to expand

2026-02-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-07
📄
change-person-director-company-with-change-date
officers · CH01
2025-01-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-06-01
➖
CHAYTOR, William Drewett resigned
director
2023-05-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-09
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-25
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2022-03-25
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2022-03-25
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-03-12
➕
MILLETT, Amanda appointed
secretary
2022-03-12
➖
MURRAY, Tina resigned
secretary
2021-08-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-04-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-07-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-02-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-02-28
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-07-01
➕
CHAYTOR-NORRIS, Katharine Elisabeth appointed
director
2016-01-22
➖
CHRISTLEY, Janine resigned
secretary
2016-01-22
➕
MURRAY, Tina appointed
secretary
2016-01-22
➖
CLEMENTS, Ian Keith resigned
director
2016-01-21
➕
STROYAN, James Mark appointed
director
2015-04-24
➕
KIPPAX, Helen Margaret appointed
director
2015-04-24
➖
THEOBALD, Simon David James resigned
director
2014-05-28
➖
BLAYNEY, Jennifer Margaret resigned
director
2014-05-28
➕
CLEMENTS, Ian Keith appointed
director
2014-05-28
➖
KING, Aubrey Peter resigned
director
2014-05-28
➕
THEOBALD, Simon David James appointed
director
2013-05-09
➖
CAINER, Jonathan resigned
director
2013-03-03
➖
MILNE, Reginald Edward resigned
director
2012-03-07
➕
BLAYNEY, Jennifer Margaret appointed
director
2012-03-07
➕
CAINER, Jonathan appointed
director
2012-01-31
➖
MCCOWEN, Carla resigned
director
2012-01-03
➖
KIPPAX, Helen Margaret resigned
director
2011-04-27
🔒
Charge registered #3
Lender: Tridos Bank Nv
2011-03-25
🔒
Charge registered #2
Lender: Triodos Bank Nv
2011-02-21
🔓
Charge satisfied #1
2010-04-15
➕
KIPPAX, Helen Margaret appointed
director
2010-04-15
➕
MCCOWEN, Carla appointed
director
2009-03-25
🔒
Charge registered #1
Lender: Ruskin Mill Educational Trust Limited
2008-11-04
➖
ABBOTT, Stuart Giles resigned
secretary
2008-11-04
➕
CHRISTLEY, Janine appointed
secretary
2008-11-04
➖
CHAYTOR, Karen Lynne Twyford resigned
director
2008-11-04
➖
DENNETT, Anthony Michael resigned
director
2008-11-04
➖
HODGES, John Franklin Chilcott resigned
director
2008-11-04
➕
KING, Aubrey Peter appointed
director
2008-11-04
➕
MILNE, Reginald Edward appointed
director
2008-11-04
➖
ROBSON, Christopher William resigned
director
2008-11-04
➖
TONES, Robert Michael resigned
director

Showing most recent 50 of 60 events

Owner dependency

65/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

+Founder age: Director aged approximately 77 — succession pressure is live.

Succession & seller-readiness

75/100

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 77 years old. Natural succession window is now.
secondaryStable-but-static management: Company is 27 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

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

🔒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 →

Similar companies

Active · Education & training · YO postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BIZENKO SOCIAL ENTERPRISE LIMITED→ 09032627 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
BRAYTON HEADSTART PRESCHOOL LTD→ 13883056 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
BRITISH AND INTERNATIONAL GOLF GREENKEEPERS ASSOCIATION LIMITED→ 06911065 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
CAELEDRO CONSULTING LTD→ 13109343 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
CIE INTERNATIONAL EDUCATION GROUP LIMITED→ 03131867 · est 1995 · no financials extracted	—	—	—	—	30y	—	—
CLASSROOM COMPUTING LTD→ 13374994 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
CLIFTON MOOR PRE-SCHOOL→ 07266807 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
COACH PW CONSULTING LIMITED→ 14555810 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
COAST AND VALE LEARNING TRUST→ 10265276 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
COAST TUITION COMMUNITY LTD→ 13056498 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
COAST TUITION LTD→ 12153750 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
COGNITIO SERVICES LIMITED→ 13723337 · est 2021 · no financials extracted	—	—	—	—	4y	—	—

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

Typeprivate-limited-guarant-nsc-limited-exemption

Incorporated1999-09-14

Jurisdictionengland-wales

Primary SIC85590 — Other education n.e.c.

Registered office

Heritage House Murton Way

Osbaldwick

York

YO19 5UW

England

Filing status

Accounts

Next due: 2027-08-25

Last made up to: 2025-11-25

Confirmation statement

Next due: 2026-09-28

Last: 2025-09-14

Officers (4 active · 18 resigned)

MILLETT, Amanda→

secretary · appointed 2022-03-12

View their other companies + combined net worth →

Active

CHAYTOR-NORRIS, Katharine Elisabeth→

director · ~56y · appointed 2016-07-01

View their other companies + combined net worth →

Active

KIPPAX, Helen Margaret→

director · ~77y · appointed 2015-04-24

View their other companies + combined net worth →

Active

STROYAN, James Mark→

director · ~57y · appointed 2016-01-21

View their other companies + combined net worth →

Active

ABBOTT, Stuart Giles→

secretary · appointed 1999-09-14 · resigned 2008-11-04

Resigned

CHRISTLEY, Janine→

secretary · appointed 2008-11-04 · resigned 2016-01-22

Resigned

MURRAY, Tina→

secretary · appointed 2016-01-22 · resigned 2022-03-12

Resigned

BLAYNEY, Jennifer Margaret→

director · ~80y · appointed 2012-03-07 · resigned 2014-05-28

Resigned

CAINER, Jonathan→

director · ~69y · appointed 2012-03-07 · resigned 2013-05-09

Resigned

CHAYTOR, Karen Lynne Twyford→

director · ~76y · appointed 1999-09-14 · resigned 2008-11-04

Resigned

CHAYTOR, William Drewett→

director · ~89y · appointed 1999-09-14 · resigned 2023-06-01

Resigned

CLEMENTS, Ian Keith→

director · ~77y · appointed 2014-05-28 · resigned 2016-01-22

Resigned

DENNETT, Anthony Michael→

director · ~81y · appointed 2005-11-08 · resigned 2008-11-04

Resigned

HODGES, John Franklin Chilcott→

director · ~80y · appointed 2005-11-08 · resigned 2008-11-04

Resigned

KING, Aubrey Peter→

director · ~85y · appointed 2008-11-04 · resigned 2014-05-28

Resigned

KIPPAX, Helen Margaret→

director · ~77y · appointed 2010-04-15 · resigned 2012-01-03

Resigned

MCCOWEN, Carla→

director · ~86y · appointed 2010-04-15 · resigned 2012-01-31

Resigned

MILNE, Reginald Edward→

director · ~76y · appointed 2008-11-04 · resigned 2013-03-03

Resigned

ROBSON, Christopher William→

director · ~90y · appointed 1999-09-14 · resigned 2008-11-04

Resigned

SMITH, Dela, Dame→

director · ~74y · appointed 1999-09-14 · resigned 2006-12-14

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:3 of 3 shown

		Type	Properties
outstanding	Tridos Bank Nv	Legal mortgage	1 property	27/04/2011	—
outstanding	Triodos Bank Nv	Legal mortgage	1 property	25/03/2011	—
satisfied	Ruskin Mill Educational Trust Ruskin Mill Educational Trust Limited	Legal charge	1 property	25/03/2009	21/02/2011

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (122 total)

accounts-with-accounts-type-total-exemption-full

accounts · AA

2026-02-11

change-person-director-company-with-change-date

officers · CH01

2025-10-07

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-09-15

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-01-29

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-10-10

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-05-27

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-09-25

termination-director-company-with-name-termination-date

officers · TM01

2023-07-06

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-05-16

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-10-10

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-08-09

appoint-person-secretary-company-with-name-date

officers · AP03

2022-03-25

termination-secretary-company-with-name-termination-date

officers · TM02

2022-03-25

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2022-03-25

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-09-24