CALEB ROBERTS FINANCIAL MANAGEMENT LIMITED

🌳Matureactive

06823280 · ltd · incorporated 2009-02-18

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 Mar 2025

Net worth

—

book net assets

Opportunity

76/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

ALSO REGISTERED FOR

65110Life insurance
65120Non-life insurance
65300Pension funding

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 76/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 4 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

7 officers (4 active, 7 linked, 6 with DOB)

Ownership & PSC

3 active PSC(s) of 4 total, 4 with control declared

Director network

5 connected companies via shared directors

Filing history

59 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

76/100Strong

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.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31
Average employees	800	700

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

filing

• 1 officers

Last 180 days

filings

• 2 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (28 events)Click to expand

2026-03-31
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-03-27
➖
CLEAVES, Robert resigned
director
2026-03-02
📄
change-person-director-company-with-change-date
officers · CH01
2025-10-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-21
📄
resolution
resolution · RESOLUTIONS
2025-05-20
📄
capital-name-of-class-of-shares
capital · SH08
2025-02-27
📄
change-person-director-company-with-change-date
officers · CH01
2024-09-13
📄
capital-allotment-shares
capital · SH01
2024-09-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-08-02
📄
capital-name-of-class-of-shares
capital · SH08
2024-07-30
➕
DAVIES, Gari Wyn appointed
director
2024-06-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-03-19
📄
resolution
resolution · RESOLUTIONS
2019-02-28
📄
resolution
resolution · RESOLUTIONS
2018-09-13
➖
JENNINGS, Mark Anthony resigned
director
2016-07-18
➖
WILLIAMS, Ivor Geoffrey resigned
director
2009-02-18
🏢
Company incorporated
As CALEB ROBERTS FINANCIAL MANAGEMENT LIMITED
2009-02-18
➕
WATSON, Rhian appointed
secretary
2009-02-18
➕
CAMPBELL, Hugh Alistair appointed
director
2009-02-18
➕
WATSON, Rhian appointed
director
2009-02-18
➕
CLEAVES, Robert appointed
director
2009-02-18
➕
JENNINGS, Mark Anthony appointed
director
2009-02-18
➕
WILLIAMS, Ivor Geoffrey appointed
director

Owner dependency

60/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

+Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

43/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondary12+ year tenure: Director in role 17 years.
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

Caleb Roberts Group Limited holds 25-50% — a significant corporate investor but not a controlling parent.

🏛️

Caleb Roberts Group Limited

Corporate parent · holds 25-50% shares

significant stake

⬇

CALEB ROBERTS FINANCIAL MANAGEMENT LIMITED

This company · 06823280

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

Shareholders & ownership

3 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Caleb Roberts Group Limited Corporate entity	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Mrs Rhian Watson Individual · British · DOB 11/1974 · age 52	—	—	sig. influencesignificant influence	06/04/2016
Mr Robert Cleaves Individual · British · DOB 09/1954 · age 72	—	—	sig. influencesignificant influence	06/04/2016

1 historic (ceased) PSC

Mr Mark Anthony Jenningsceased 13/09/2018· significant influence

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 · LD postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
PERSONAL ASSET MANAGEMENT LIMITED→ 04898649 · est 2003	—	—	—	600	22y	81	70y
HAYDN LEWIS FINANCIAL SERVICES LIMITED→ 05010481 · est 2004	—	—	—	7	22y	80	74y
BUILTH WELLS FINANCIAL SERVICES LIMITED→ 04424479 · est 2002	—	—	£-5.6k	—	24y	58	57y
ABCABCABC 123 LIMITED→ 08095412 · est 2012	—	—	£-41.0k	—	14y	57	55y
BUILTH WELLS FINANCIAL PLANNING LIMITED→ 05546024 · est 2005 · no financials extracted	—	—	—	—	20y	—	—
CALEB ROBERTS INSURANCE SERVICES LIMITED→ 01590566 · est 1981 · no financials extracted	—	—	—	—	44y	—	—
DEVELOPMENT SERVICES INTERNATIONAL LIMITED→ 12183572 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
GOTROW LTD→ 10801335 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
HOW MONEY MATTERS LTD→ 14015711 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
LABORDE CAPITAL LIMITED→ 05520373 · est 2005 · no financials extracted	—	—	—	—	20y	—	—
PIKE ZAREMBA LTD.→ 02926110 · est 1994 · no financials extracted	—	—	—	—	31y	—	—
PINKEY'S LIMITED→ 02650624 · est 1991 · no financials extracted	—	—	—	—	34y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

6 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

Incorporated2009-02-18

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Wylcym Place

Knighton

Powys

LD7 1AE

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-03-04

Last: 2026-02-18

Officers (4 active · 3 resigned)

WATSON, Rhian→

secretary · appointed 2009-02-18

View their other companies + combined net worth →

Active

CAMPBELL, Hugh Alistair→

director · ~56y · appointed 2009-02-18

View their other companies + combined net worth →

Active

DAVIES, Gari Wyn→

director · ~37y · appointed 2024-07-30

View their other companies + combined net worth →

Active

WATSON, Rhian→

director · ~52y · appointed 2009-02-18

View their other companies + combined net worth →

Active

CLEAVES, Robert→

director · ~72y · appointed 2009-02-18 · resigned 2026-03-27

Resigned

JENNINGS, Mark Anthony→

director · ~66y · appointed 2009-02-18 · resigned 2018-09-13

Resigned

WILLIAMS, Ivor Geoffrey→

director · ~66y · appointed 2009-02-18 · resigned 2016-07-18

Resigned

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

Recent filings (59 total)

termination-director-company-with-name-termination-date

officers · TM01

2026-03-31

confirmation-statement-with-updates

confirmation-statement · CS01

2026-03-02

change-person-director-company-with-change-date

officers · CH01

2026-03-02

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-10-26

resolution

resolution · RESOLUTIONS

2025-05-21

capital-name-of-class-of-shares

capital · SH08

2025-05-20

confirmation-statement-with-updates

confirmation-statement · CS01

2025-03-04

change-person-director-company-with-change-date

officers · CH01

2025-02-27

capital-allotment-shares

capital · SH01

2024-09-13

appoint-person-director-company-with-name-date

officers · AP01

2024-09-03

capital-name-of-class-of-shares

capital · SH08

2024-08-02

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-06-24

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-02-19

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-07-10

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-02-28