CLOVERLAIT LIMITED

🌳Matureactive
05649011 · ltd · incorporated 2005-12-08
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 Jan 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: SIC 01410
Sector: Agriculture, forestry & fishing
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 75/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

8 live charges · 3 lenders · oldest 20.3y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 20.3 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (76/100)

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
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
73 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
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£0Jan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-01-312024-01-31
Average employees3400

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
0
filings
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
  1. 2025-10-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-10-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2023-02-28
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2023-02-28
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2023-02-28
    🔓
    Charge satisfied #6
  7. 2023-02-28
    🔓
    Charge satisfied #4
  8. 2022-10-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2022-10-25
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2022-10-25
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2022-10-25
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2022-10-25
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2022-02-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2021-10-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  15. 2021-04-15
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2021-04-09
    🔒
    Charge registered #8
    Lender: Barclays Security Trustee Limited (10825314)
  17. 2021-03-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2021-03-03
    🔒
    Charge registered #7
    Lender: Barclays Security Trustee Limited
  19. 2020-11-24
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  20. 2019-10-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  21. 2019-05-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  22. 2018-09-10
    🔓
    Charge satisfied #5
  23. 2018-09-10
    🔓
    Charge satisfied #3
  24. 2018-09-10
    🔓
    Charge satisfied #2
  25. 2016-12-30
    🔒
    Charge registered #6
    Lender: Barclays Bank PLC
  26. 2016-12-30
    🔒
    Charge registered #5
    Lender: Barclays Bank PLC
  27. 2016-12-30
    🔒
    Charge registered #4
    Lender: Barclays Bank PLC
  28. 2012-03-14
    🔒
    Charge registered #3
    Lender: Barclays Bank PLC
  29. 2008-11-28
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  30. 2006-02-13
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  31. 2005-12-12
    ➕
    KING, Sarah Rosalie Kim appointed
    secretary
  32. 2005-12-12
    ➕
    KING, Benjamin Ashley appointed
    director
  33. 2005-12-12
    ➕
    KING, Sarah Rosalie Kim appointed
    director
  34. 2005-12-08
    🏢
    Company incorporated
    As CLOVERLAIT LIMITED
  35. 2005-12-08
    ➕
    QA REGISTRARS LIMITED appointed
    corporate-nominee-secretary
  36. 2005-12-08
    ➖
    QA REGISTRARS LIMITED resigned
    corporate-nominee-secretary
  37. 2005-12-08
    ➕
    QA NOMINEES LIMITED appointed
    corporate-nominee-director
  38. 2005-12-08
    ➖
    QA NOMINEES LIMITED resigned
    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 21 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

66/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 21 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

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Ben Ashley King
Individual · British · DOB 12/1970 · age 56
25–50%
—25-50% shares08/12/2016
Mrs Sarah Rosalie Kim King
Individual · British · DOB 01/1973 · age 53
25–50%
—25-50% shares08/12/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2005-12-08
Jurisdictionengland-wales
Primary SIC01410 — SIC 01410

Registered office

Manor Farm
Collingbourne Kingston
Marlborough
SN8 3SD
England

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-12-15
Last: 2025-12-01

Officers (3 active · 2 resigned)

KING, Sarah Rosalie Kim→
secretary · appointed 2005-12-12
View their other companies + combined net worth →
Active
KING, Benjamin Ashley→
director · ~56y · appointed 2005-12-12
View their other companies + combined net worth →
Active
KING, Sarah Rosalie Kim→
director · ~53y · appointed 2005-12-12
View their other companies + combined net worth →
Active
QA REGISTRARS LIMITED→
corporate-nominee-secretary · appointed 2005-12-08 · resigned 2005-12-08
Resigned
QA NOMINEES LIMITED→
corporate-nominee-director · appointed 2005-12-08 · resigned 2005-12-08
Resigned

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

Mortgages & charges

8
Total charges
3
Outstanding
1
Active lenders
Status:Lender:8 of 8 shown
TypeProperties
outstanding
Barclays
Barclays Security Trustee Limited (10825314)
A registered charge1 property09/04/2021—
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge2 properties03/03/2021—
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property30/12/201628/02/2023
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property30/12/201610/09/2018
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property30/12/201628/02/2023
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property14/03/201210/09/2018
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property28/11/200810/09/2018
outstanding
Barclays
Barclays Bank PLC
Debenture1 property13/02/2006—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (73 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-10-27
mortgage-satisfy-charge-full
mortgage · MR04
2023-02-28
mortgage-satisfy-charge-full
mortgage · MR04
2023-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-10-31
change-person-director-company-with-change-date
officers · CH01
2022-10-25
change-person-director-company-with-change-date
officers · CH01
2022-10-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-02-14