CLEAR FINANCIAL ADVICE LIMITED

💤Zombieactive
04339620 · ltd · incorporated 2001-12-13
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
£666.3k
book net assets
Opportunity
82/100
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 70-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 18.2y

45/100
under pressure

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

  • · Oldest live charge is 18.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

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
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
9 officers (2 active, 9 linked, 3 with DOB)
77
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
75 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £666,267
Cash YoY
+4%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£461k
↑ 3.7% YoY
Net Worth
£666k
↑ 42% YoY
Current Assets
£513k
↓ 17% YoY
Current Liabilities
—
£0£133k£267k£400k£533k£666kDec 2024Dec 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-12-312024-12-31
Total assets£670.2k£474.8k
Current assets£513.1k£620.9k
Cash£461.4k£444.8k
Debtors£51.6k£176.1k
Net assets£666.3k£470.8k

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
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
  1. 2026-06-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-08-07
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  4. 2024-08-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2024-08-07
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  6. 2024-04-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-01-04
    ➖
    GREENING, Marianne May resigned
    director
  8. 2024-01-04
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2023-11-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2023-10-31
    ➕
    GREENING, Marianne May appointed
    director
  11. 2023-09-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-10-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-03-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2021-02-01
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  15. 2021-02-01
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  16. 2021-01-29
    ➕
    GREENING, Marianne May appointed
    secretary
  17. 2021-01-29
    ➖
    WRIGHT, Nicola Andrea resigned
    secretary
  18. 2020-06-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2019-08-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2018-09-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  21. 2018-09-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  22. 2008-04-04
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  23. 2007-05-09
    ➕
    WRIGHT, Nicola Andrea appointed
    secretary
  24. 2007-05-09
    ➖
    SWANARROW LTD resigned
    corporate-secretary
  25. 2002-12-09
    ➖
    GREENING, Barry John resigned
    secretary
  26. 2002-12-09
    ➕
    SWANARROW LTD appointed
    corporate-secretary
  27. 2002-12-09
    ➖
    CHILDS, Roy resigned
    director
  28. 2002-12-06
    ➕
    GREENING, Barry John appointed
    director
  29. 2002-02-01
    ➕
    GREENING, Barry John appointed
    secretary
  30. 2002-02-01
    ➕
    CHILDS, Roy appointed
    director
  31. 2001-12-13
    🏢
    Company incorporated
    As CLEAR FINANCIAL ADVICE LIMITED
  32. 2001-12-13
    ➕
    M W DOUGLAS & COMPANY LIMITED appointed
    corporate-nominee-secretary
  33. 2001-12-13
    ➖
    M W DOUGLAS & COMPANY LIMITED resigned
    corporate-nominee-secretary
  34. 2001-12-13
    ➕
    DOUGLAS NOMINEES LIMITED appointed
    corporate-nominee-director
  35. 2001-12-13
    ➖
    DOUGLAS NOMINEES LIMITED resigned
    corporate-nominee-director

Owner dependency

100/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 70 — succession pressure is live.

Succession & seller-readiness

100/100
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 70 years old. Natural succession window is now.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • 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

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

Group structure

Soderberg & Partners Holdings Ab holds 25-50% — a significant corporate investor but not a controlling parent.

🏛️
Soderberg & Partners Holdings Ab
Corporate parent · holds 25-50% shares
significant stake
⬇
CLEAR FINANCIAL ADVICE LIMITED
This company · 04339620

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Soderberg & Partners Holdings Ab
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting03/05/2024
Mr Barry John Greening
Individual · British · DOB 08/1956 · age 70
25–50%
25–50%board control25-50% shares · 25-50% voting · board control · firm interest06/04/2016
1 historic (ceased) PSC
  • Mrs Marianne May Greeningceased 03/05/2024· 25-50% shares · 25-50% voting · board control · 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 →

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

8 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
Incorporated2001-12-13
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

1 Brook Court
Blakeney Road
Beckenham
Kent
BR3 1HG

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-12-17
Last: 2025-12-03

Officers (2 active · 7 resigned)

GREENING, Marianne May→
secretary · appointed 2021-01-29
View their other companies + combined net worth →
Active
GREENING, Barry John→
director · ~70y · appointed 2002-12-06
View their other companies + combined net worth →
Active
GREENING, Barry John→
secretary · appointed 2002-02-01 · resigned 2002-12-09
Resigned
WRIGHT, Nicola Andrea→
secretary · appointed 2007-05-09 · resigned 2021-01-29
Resigned
M W DOUGLAS & COMPANY LIMITED→
corporate-nominee-secretary · appointed 2001-12-13 · resigned 2001-12-13
Resigned
SWANARROW LTD→
corporate-secretary · appointed 2002-12-09 · resigned 2007-05-09
Resigned
CHILDS, Roy→
director · ~73y · appointed 2002-02-01 · resigned 2002-12-09
Resigned
GREENING, Marianne May→
director · ~74y · appointed 2023-10-31 · resigned 2024-01-04
Resigned
DOUGLAS NOMINEES LIMITED→
corporate-nominee-director · appointed 2001-12-13 · resigned 2001-12-13
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
Debenture1 property04/04/2008—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (75 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-06-17
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-09
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-08-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-08-07
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-08-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-02
termination-director-company-with-name-termination-date
officers · TM01
2024-01-04
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-06
appoint-person-director-company-with-name-date
officers · AP01
2023-11-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-10
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-17
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-14