CLEAR IFA LIMITED

💤Zombieactive

05070654 · ltd · incorporated 2004-03-11

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 Mar 2026

Net worth

£448.8k

book net assets

Opportunity

75/100

Strong

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

What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

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

Lenders & charges

Confirmed no charges registered

Directors & officers

3 officers (1 active, 3 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 3 total, 3 with control declared

Director network

1 connected companies via shared directors

Filing history

64 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £448,795

Cash YoY

+32%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£418k

↑ 32% YoY

Net Worth

£449k

↑ 29% YoY

Current Assets

£503k

↑ 27% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2026-03-31	2025-03-31
Total assets	£468.6k	£370.0k
Current assets	£502.8k	£396.7k
Cash	£418.1k	£317.0k
Debtors	£84.7k	£79.7k
Net assets	£448.8k	£347.2k

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

filings

Last 90 days

filings

• 2 persons-with-significant-control
• 1 confirmation-statement
• 1 accounts

Last 180 days

filings

• 2 persons-with-significant-control
• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (21 events)Click to expand

2026-04-27
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-04-27
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-04-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-10
📄
change-person-director-company-with-change-date
officers · CH01
2021-05-10
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-06-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-05-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-12-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-03-27
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2017-12-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2015-08-14
➖
GRANT, Scott resigned
director
2014-03-17
➖
GRANT, Kaye Denise resigned
secretary
2005-12-30
➕
BULLOCK, Howard Gerald appointed
director
2004-03-11
🏢
Company incorporated
As CLEAR IFA LIMITED
2004-03-11
➕
GRANT, Kaye Denise appointed
secretary
2004-03-11
➕
GRANT, Scott appointed
director

Owner dependency

85/100

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 20 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

75/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 22 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

Name	Shares	Voting rights	Nature of control	Notified
Mr Howard Gerald Bullock Individual · British · DOB 04/1970 · age 56	50–75%	—	50-75% shares	02/03/2026
Mrs Tracy Jane Bullock Individual · British · DOB 01/1975 · age 51	25–50%	—	25-50% shares	01/03/2018

1 historic (ceased) PSC

Mr Howard Gerald Bullockceased 01/03/2026· 75-100% 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 →

Similar companies

Active · Financial services · CM postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BROOM CONSULTANTS EOT LIMITED→ 14667877 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
BURBO LTD→ 16009038 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
CHAMPION'S MORTGAGE SOLUTIONS LIMITED→ 11191721 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
CHARAN MANAGEMENT LIMITED→ 06881191 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
CHARLES MARK FINANCIAL LIMITED→ 10923925 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
CHESTERFIELD FINANCE LIMITED→ 14444288 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
CLARHOS MANAGEMENT COMPANY LIMITED→ 10122973 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
CLARKY LIMITED→ 16830356 · est 2025 · no financials extracted	—	—	—	—	—	—	—
CLASSIC BLOODSTOCK & EQUINE LTD→ 16646166 · est 2025 · no financials extracted	—	—	—	—	—	—	—
CLATTS INVESTMENTS LTD→ 16596504 · est 2025 · no financials extracted	—	—	—	—	—	—	—
CLEAR VIEW FINANCE AND PROTECTION LTD→ 13730881 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
CLEARVIEW MORTGAGE SOLUTIONS LIMITED→ 15400843 · est 2024 · no financials extracted	—	—	—	—	2y	—	—

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

Incorporated2004-03-11

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

9 Downham Road

Ramsden Heath

Billericay

Essex

CM11 1PU

United Kingdom

Filing status

Accounts

Next due: 2027-12-31

Last made up to: 2026-03-31

Confirmation statement

Next due: 2027-03-25

Last: 2026-03-11

Officers (1 active · 2 resigned)

BULLOCK, Howard Gerald→

director · ~56y · appointed 2005-12-30

View their other companies + combined net worth →

Active

GRANT, Kaye Denise→

secretary · appointed 2004-03-11 · resigned 2014-03-17

Resigned

GRANT, Scott→

director · ~52y · appointed 2004-03-11 · resigned 2015-08-14

Resigned

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

Recent filings (64 total)

confirmation-statement-with-updates

confirmation-statement · CS01

2026-04-27

notification-of-a-person-with-significant-control

persons-with-significant-control · PSC01

2026-04-27

cessation-of-a-person-with-significant-control

persons-with-significant-control · PSC07

2026-04-27