CLEARWATER FINANCIAL LIMITED

💤Zombieactive
05437119 · ltd · incorporated 2005-04-27
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 2024
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 70). 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: share sale to pe / searcher (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
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
63 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£0Dec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Average employees400400

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

🔒Filing-note intelligence

4 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
0
filings
Last 90 days
5
filings
  • • 2 persons-with-significant-control
  • • 1 confirmation-statement
  • • 1 officers
Last 180 days
5
filings
  • • 2 persons-with-significant-control
  • • 1 confirmation-statement
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2026-04-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-04-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2026-04-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2026-04-21
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2025-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2024-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-07-11
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2023-07-10
    ➖
    TUCKER, Georgina resigned
    director
  10. 2023-04-18
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2022-09-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-05-01
    ➕
    TUCKER, Georgina appointed
    director
  13. 2021-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2020-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-09-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2018-04-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  18. 2018-04-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2006-04-27
    ➕
    TUCKER, Adam Saville appointed
    director
  20. 2005-04-27
    🏢
    Company incorporated
    As CLEARWATER FINANCIAL LIMITED
  21. 2005-04-27
    ➕
    WYATT, Beverley appointed
    secretary
  22. 2005-04-27
    ➕
    FORM 10 SECRETARIES FD LTD appointed
    corporate-nominee-secretary
  23. 2005-04-27
    ➖
    FORM 10 SECRETARIES FD LTD resigned
    corporate-nominee-secretary
  24. 2005-04-27
    ➕
    FORM 10 DIRECTORS FD LTD appointed
    corporate-nominee-director
  25. 2005-04-27
    ➖
    FORM 10 DIRECTORS FD LTD 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 20 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 20 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 21 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 Adam Saville Tucker
Individual · British · DOB 01/1956 · age 70
50–75%
50–75%50-75% shares · 50-75% voting06/04/2016
Georgina Tucker
Individual · British · DOB 06/1951 · age 75
25–50%
25–50%25-50% shares · 25-50% voting30/04/2017

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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————8y——
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11010356 · est 2017 · no financials extracted
————8y——
KENT SOPER LIFE AND PENSIONS LIMITED→
01675667 · est 1982 · no financials extracted
————43y——
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16185946 · est 2025 · no financials extracted
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LAURA DOBBIN MORTGAGE BROKER LIMITED→
11440954 · est 2018 · no financials extracted
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LEWIS & ROWDEN LIMITED→
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LIFE SETTLEMENT ASSETS PLC→
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LIFETIME WEALTH LTD→
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————9y——
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
Incorporated2005-04-27
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Petitor House
Nicholson Road
Torquay
Devon
TQ2 7TD
United Kingdom

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-05-11
Last: 2026-04-27

Officers (2 active · 3 resigned)

WYATT, Beverley→
secretary · appointed 2005-04-27
View their other companies + combined net worth →
Active
TUCKER, Adam Saville→
director · ~70y · appointed 2006-04-27
View their other companies + combined net worth →
Active
FORM 10 SECRETARIES FD LTD→
corporate-nominee-secretary · appointed 2005-04-27 · resigned 2005-04-27
Resigned
TUCKER, Georgina→
director · ~75y · appointed 2022-05-01 · resigned 2023-07-10
Resigned
FORM 10 DIRECTORS FD LTD→
corporate-nominee-director · appointed 2005-04-27 · resigned 2005-04-27
Resigned

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

Recent filings (63 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-21
change-person-director-company-with-change-date
officers · CH01
2026-04-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-04-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-29
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-27
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-28
termination-director-company-with-name-termination-date
officers · TM01
2023-07-11
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-03
appoint-person-director-company-with-name-date
officers · AP01
2023-04-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-26
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-29