CALIBER FINANCIAL ASSOCIATES LIMITED

🌳Matureactive
04163971 · ltd · incorporated 2001-02-20
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
80/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 64-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (78/100)

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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
9 officers (3 active, 9 linked, 5 with DOB)
81
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
89 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
90
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

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
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
  1. 2025-10-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-04-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-03-31
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  4. 2025-03-31
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2025-03-31
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2025-03-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2025-03-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2025-03-27
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  9. 2025-03-27
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2024-09-14
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2023-10-03
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2022-07-05
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2021-07-12
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2020-06-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  15. 2019-12-20
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  16. 2019-12-20
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  17. 2019-07-04
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  18. 2019-01-28
    ➕
    MCANENEY, Patrick Joseph appointed
    director
  19. 2019-01-06
    ➖
    YATES, Roger Frederick resigned
    director
  20. 2016-07-01
    ➕
    NORMAN, Andrew David appointed
    secretary
  21. 2016-07-01
    ➖
    CHAPMAN, Geoffrey resigned
    secretary
  22. 2016-07-01
    ➖
    ARMSTRONG, Deborah Suzanne resigned
    director
  23. 2016-07-01
    ➖
    CHAPMAN, Geoffrey resigned
    director
  24. 2011-06-01
    ➕
    NORMAN, Andrew David appointed
    director
  25. 2008-04-06
    ➕
    ARMSTRONG, Deborah Suzanne appointed
    director
  26. 2001-03-05
    ➕
    CHAPMAN, Geoffrey appointed
    secretary
  27. 2001-03-05
    ➕
    CHAPMAN, Geoffrey appointed
    director
  28. 2001-03-05
    ➕
    YATES, Roger Frederick appointed
    director
  29. 2001-02-22
    ➖
    BRIGHTON SECRETARY LIMITED resigned
    corporate-nominee-secretary
  30. 2001-02-22
    ➖
    BRIGHTON DIRECTOR LIMITED resigned
    corporate-nominee-director
  31. 2001-02-20
    🏢
    Company incorporated
    As CALIBER FINANCIAL ASSOCIATES LIMITED
  32. 2001-02-20
    ➕
    BRIGHTON SECRETARY LIMITED appointed
    corporate-nominee-secretary
  33. 2001-02-20
    ➕
    BRIGHTON DIRECTOR LIMITED appointed
    corporate-nominee-director

Owner dependency

76/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

79/100
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 64. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 15 years.
  • secondaryStable-but-static management: Company is 25 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 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mrs Jane Marie Yates
Individual · British · DOB 02/1955 · age 71
25–50%
—25-50% shares10/12/2019
1 historic (ceased) PSC
  • Mr Roger Frederick Yatesceased 10/12/2019· 25-50% shares

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
Incorporated2001-02-20
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

First Floor, 5 Doolittle Yard
Froghall Road
Ampthill
Bedfordshire
MK45 2NW
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-06
Last: 2026-02-20

Officers (3 active · 6 resigned)

NORMAN, Andrew David→
secretary · appointed 2016-07-01
View their other companies + combined net worth →
Active
MCANENEY, Patrick Joseph→
director · ~44y · appointed 2019-01-28
View their other companies + combined net worth →
Active
NORMAN, Andrew David→
director · ~64y · appointed 2011-06-01
View their other companies + combined net worth →
Active
CHAPMAN, Geoffrey→
secretary · appointed 2001-03-05 · resigned 2016-07-01
Resigned
BRIGHTON SECRETARY LIMITED→
corporate-nominee-secretary · appointed 2001-02-20 · resigned 2001-02-22
Resigned
ARMSTRONG, Deborah Suzanne→
director · ~56y · appointed 2008-04-06 · resigned 2016-07-01
Resigned
CHAPMAN, Geoffrey→
director · ~77y · appointed 2001-03-05 · resigned 2016-07-01
Resigned
YATES, Roger Frederick→
director · ~78y · appointed 2001-03-05 · resigned 2019-01-06
Resigned
BRIGHTON DIRECTOR LIMITED→
corporate-nominee-director · appointed 2001-02-20 · resigned 2001-02-22
Resigned

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

Recent filings (89 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-10-22
change-person-director-company-with-change-date
officers · CH01
2025-04-01
change-person-secretary-company-with-change-date
officers · CH03
2025-03-31
change-person-director-company-with-change-date
officers · CH01
2025-03-31
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-31
change-person-director-company-with-change-date
officers · CH01
2025-03-28
change-person-director-company-with-change-date
officers · CH01
2025-03-27
change-person-secretary-company-with-change-date
officers · CH03
2025-03-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-09-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-10-03
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-20