CARAVAN GUARD LIMITED

📈Growthactive

04036555 · ltd · incorporated 2000-07-19

Investment thesis

Growth-phase business — story-led; valuation sensitive to momentum.

Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.

Why risky: Price often leads fundamentals; dependency on founder often high.

🔒Estimated value

—

Upgrade to see

Turnover

£14.98M

year to Mar 2025

Net worth

—

book net assets

Opportunity

81/100

Exceptional

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What this business does

Primary activity: Activities of insurance agents and brokers

Sector: Financial & insurance

Investor take

Pursue

Conservative operator with a 77-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 77). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (88/100).

Data confidence

Overall: medium (79/100)

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

Confirmed no charges registered

Directors & officers

11 officers (6 active, 11 linked, 8 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

105 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →

Opportunity Score

81/100Exceptional

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

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Profitable

Profit before tax £5,646,746

Strong revenue growth

Turnover up 21% YoY

Turnover YoY

+21%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31
Turnover	£14.98M	£12.38M
Profit before tax	£5.65M	£3.99M
Average employees	11400	11500

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

🔒Filing-note intelligence

3 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

filings

• 1 persons-with-significant-control
• 1 officers
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (35 events)Click to expand

2026-02-20
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-02-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-02-08
➖
WILBY, Peter Melvyn resigned
director
2025-12-19
📄
accounts-with-accounts-type-full
accounts · AA
2024-12-24
📄
accounts-with-accounts-type-full
accounts · AA
2024-11-11
📄
change-person-secretary-company-with-change-date
officers · CH03
2024-11-11
📄
change-person-director-company-with-change-date
officers · CH01
2024-11-11
📄
change-person-director-company-with-change-date
officers · CH01
2024-11-11
📄
change-person-director-company-with-change-date
officers · CH01
2024-11-11
📄
change-person-director-company-with-change-date
officers · CH01
2024-11-11
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-11
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-11
📄
change-person-director-company-with-change-date
officers · CH01
2024-11-11
📄
change-person-director-company-with-change-date
officers · CH01
2024-04-08
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-04-08
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-12-21
📄
accounts-with-accounts-type-full
accounts · AA
2022-12-15
📄
accounts-with-accounts-type-full
accounts · AA
2021-12-31
📄
accounts-with-accounts-type-full
accounts · AA
2018-03-12
➕
DOBSON, Graham Lee appointed
secretary
2018-03-12
➖
WILBY, Nora Harriet Margaret resigned
secretary
2008-07-16
➕
MENZIES, Louise Jane Gabriella appointed
director
2008-07-16
➕
WILBY, Ryan Alexander James appointed
director
2003-08-08
➕
CROFTS, Sally Victoria Alexandra appointed
director
2003-08-08
➕
NETTLETON, Christopher Wayne appointed
director
2002-02-15
➖
SMITH, Karen Anne resigned
director
2001-09-11
➕
SMITH, Karen Anne appointed
director
2000-07-19
🏢
Company incorporated
As CARAVAN GUARD LIMITED
2000-07-19
➕
WILBY, Nora Harriet Margaret appointed
director
2000-07-19
➕
GRAEME, Dorothy May appointed
nominee-secretary
2000-07-19
➖
GRAEME, Dorothy May resigned
nominee-secretary
2000-07-19
➕
WILBY, Nora Harriet Margaret appointed
secretary
2000-07-19
➕
GRAEME, Lesley Joyce appointed
nominee-director
2000-07-19
➖
GRAEME, Lesley Joyce resigned
nominee-director
2000-07-19
➕
WILBY, Peter Melvyn appointed
director

Owner dependency

73/100

High — earn-out structure required

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

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 77 — 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 77 years old. Natural succession window is now.
primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 26 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.)

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mrs Nora Harriet Margaret Wilby Individual · British · DOB 03/1949 · age 77	25–50%	25–50%	sig. influence25-50% shares · 25-50% voting · significant influence · trust interest · firm interest	18/07/2016

1 historic (ceased) PSC

Mr Peter Melvyn Wilbyceased 08/02/2026· 25-50% shares · 25-50% voting · board control · significant influence · trust interest · firm interest

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 →

Similar companies

Active · Financial services · HX postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
DNA FINANCIAL SOLUTIONS LIMITED→ 10619493 · est 2017 · no financials extracted	—	—	—	—	9y	—	—
ECKERSLEY PROPERTIES LIMITED→ 16995614 · est 2026 · no financials extracted	—	—	—	—	—	—	—
FIGTREE FINANCIAL LIMITED→ 12612148 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
FIRST RETAIL FINANCE (CHESTER) LTD→ 02964970 · est 1994 · no financials extracted	—	—	—	—	31y	—	—
FORTRESS TRUSTEE SERVICES LIMITED→ 06882625 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
FULL CIRCLE ASSET FINANCE LIMITED→ 09931618 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
GOLDMOON INCORPORATED LTD.→ 08903985 · est 2014 · no financials extracted	—	—	—	—	12y	—	—
HALIFAX FINANCIAL BROKERS LIMITED→ 02367078 · est 1989 · no financials extracted	—	—	—	—	37y	—	—
HALIFAX GENERAL INSURANCE SERVICES LIMITED→ 02791889 · est 1993 · no financials extracted	—	—	—	—	33y	—	—
HANDS ON CJLH LTD→ 15895351 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
HBOS INVESTMENT FUND MANAGERS LIMITED→ 00941082 · est 1968 · no financials extracted	—	—	—	—	57y	—	—
HOMES TO OWN MORTGAGES LTD→ 10807525 · est 2017 · no financials extracted	—	—	—	—	8y	—	—

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

Incorporated2000-07-19

Jurisdictionengland-wales

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Caravan Guard Ltd

New Road

Halifax

West Yorkshire

HX1 2JZ

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-08-11

Last: 2025-07-28