MONEY TROVE LIMITED

🌳Matureactive
04459189 · ltd · incorporated 2002-06-12
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 Jul 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 66-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 66). 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
10 officers (3 active, 10 linked, 5 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
90 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
80
Strong succession / seller-readiness signals.
Risk profile
85
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£0Jul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-07-312024-07-31
Average employees00

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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
  1. 2025-11-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-12-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-08-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2024-06-15
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  5. 2024-06-14
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  6. 2024-01-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2023-11-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2023-11-22
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2023-07-31
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2023-07-31
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  11. 2023-01-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2021-12-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2021-08-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  14. 2021-08-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2021-08-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2021-08-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2021-04-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2011-08-01
    ➕
    TUTTON, Clive Raymond appointed
    secretary
  19. 2011-08-01
    ➕
    PEARCY-CALDWELL, James Leonard Douglas appointed
    director
  20. 2011-08-01
    ➖
    KENNETT, Jacqueline resigned
    secretary
  21. 2007-10-30
    ➖
    O'DONNELL, Suzi resigned
    director
  22. 2007-10-05
    ➕
    TUTTON, Clive Raymond appointed
    director
  23. 2007-07-23
    ➕
    KENNETT, Jacqueline appointed
    secretary
  24. 2007-07-23
    ➖
    TUTTON, Clive Raymond resigned
    secretary
  25. 2007-07-23
    ➕
    O'DONNELL, Suzi appointed
    director
  26. 2007-07-23
    ➖
    PEARCY CALDWELL, James Leonard resigned
    director
  27. 2007-07-23
    ➖
    TUTTON, Clive Raymond resigned
    director
  28. 2002-06-13
    ➖
    BRIGHTON SECRETARY LIMITED resigned
    corporate-nominee-secretary
  29. 2002-06-13
    ➖
    BRIGHTON DIRECTOR LIMITED resigned
    corporate-nominee-director
  30. 2002-06-12
    🏢
    Company incorporated
    As MONEY TROVE LIMITED
  31. 2002-06-12
    ➕
    TUTTON, Clive Raymond appointed
    secretary
  32. 2002-06-12
    ➕
    BRIGHTON SECRETARY LIMITED appointed
    corporate-nominee-secretary
  33. 2002-06-12
    ➕
    PEARCY CALDWELL, James Leonard appointed
    director
  34. 2002-06-12
    ➕
    TUTTON, Clive Raymond appointed
    director
  35. 2002-06-12
    ➕
    BRIGHTON DIRECTOR LIMITED appointed
    corporate-nominee-director

Owner dependency

83/100
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 19 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 66 — succession pressure is live.

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 66. 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 19 years.
  • secondaryStable-but-static management: Company is 24 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr James Leonard Douglas Pearcy-Caldwell
Individual · British · DOB 11/1966 · age 60
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Clive Raymond Tutton
Individual · British · DOB 04/1960 · age 66
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

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
Incorporated2002-06-12
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

The Barn
41 A Glover Street
Over
Cambridgeshire
CB24 5PQ

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-06-16
Last: 2026-06-02

Officers (3 active · 7 resigned)

TUTTON, Clive Raymond→
secretary · appointed 2011-08-01
View their other companies + combined net worth →
Active
PEARCY-CALDWELL, James Leonard Douglas→
director · ~60y · appointed 2011-08-01
View their other companies + combined net worth →
Active
TUTTON, Clive Raymond→
director · ~66y · appointed 2007-10-05
View their other companies + combined net worth →
Active
KENNETT, Jacqueline→
secretary · appointed 2007-07-23 · resigned 2011-08-01
Resigned
TUTTON, Clive Raymond→
secretary · appointed 2002-06-12 · resigned 2007-07-23
Resigned
BRIGHTON SECRETARY LIMITED→
corporate-nominee-secretary · appointed 2002-06-12 · resigned 2002-06-13
Resigned
O'DONNELL, Suzi→
director · ~51y · appointed 2007-07-23 · resigned 2007-10-30
Resigned
PEARCY CALDWELL, James Leonard→
director · ~60y · appointed 2002-06-12 · resigned 2007-07-23
Resigned
TUTTON, Clive Raymond→
director · ~66y · appointed 2002-06-12 · resigned 2007-07-23
Resigned
BRIGHTON DIRECTOR LIMITED→
corporate-nominee-director · appointed 2002-06-12 · resigned 2002-06-13
Resigned

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

Recent filings (90 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-03
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-12
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-08-21
change-sail-address-company-with-old-address-new-address
address · AD02
2024-06-15
change-sail-address-company-with-old-address-new-address
address · AD02
2024-06-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-07-31
change-person-secretary-company-with-change-date
officers · CH03
2023-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-14