CLEAR FINANCIAL SOLUTIONS (MIDLANDS) LTD
🌳Matureactive
07081690 · ltd · incorporated 2009-11-19
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£761.7k
book net assets
Opportunity
81/100
Exceptional
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
ALSO REGISTERED FOR
- 66290Other activities auxiliary to insurance and pension funding
- 66300Fund management activities
Investor take
PursueStrong opportunity: asset-holding vehicle with exceptional profile and bankable structure.
Opportunity 81/100 (exceptional), 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, 3 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
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
42 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £761,668
Cash YoY
+100%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£375k
↑ 100% YoY
Net Worth
£762k
↑ 52% YoY
Current Assets
£473k
↑ 147% YoY
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 |
|---|---|---|
| Total assets | £761.7k | £501.4k |
| Current assets | £473.4k | £191.6k |
| Cash | £375.2k | £187.7k |
| Debtors | £98.3k | £3.9k |
| Net assets | £761.7k | £501.4k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 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
0
filings
Last 180 days
3
filings
- • 3 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2026-01-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-01-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-01-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-01-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-05📄memorandum-articlesincorporation · MA
- 2025-12-05📄resolutionresolution · RESOLUTIONS
- 2025-12-03📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-12-01➕STOKES, Jessica Hope appointeddirector
- 2024-11-25📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-06-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-09-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-09-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-08-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-09-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-09-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-06-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2011-02-14➕TAYLOR, Clare Louise appointeddirector
- 2009-11-19🏢Company incorporatedAs CLEAR FINANCIAL SOLUTIONS (MIDLANDS) LTD
- 2009-11-19➕TAYLOR, Richard Charles appointeddirector
Owner dependency
76/100
High — earn-out structure requiredMaterial 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.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
53/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Clear Fs Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Clear Fs Holdings Ltd
Corporate parent · holds 75-100% shares · board control
⬇
CLEAR FINANCIAL SOLUTIONS (MIDLANDS) LTD
This company · 07081690
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Clear Fs Holdings Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 21/11/2025 |
2 historic (ceased) PSCs
- Mr Richard Charles Taylorceased 21/11/2025· 25-50% shares · 25-50% voting · board control · significant influence · firm interest
- Mrs Clare Louise Taylorceased 21/11/2025· 25-50% shares · 25-50% voting · board control · significant influence · firm interest
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 · DE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CHAMBERS SMITH FINANCIAL PLANNING LTD→ 06674780 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| CHATSWORTH CONSULTANCY LIMITED→ 10200568 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CHRIS SIMONS WEALTH MANAGEMENT LTD→ 13313076 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| COGENT FINANCIAL SOLUTIONS LTD→ 12693406 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| COLESHILL MORTGAGE SERVICES LIMITED→ 05711103 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| COMFORT RESIDENTIAL AND COMMERCIAL FINANCE LTD→ 14421032 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CONVEQUITY LTD→ 12093463 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CORE FINANCE SOLUTIONS LTD→ 09748178 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CORNERSTONE INVESTMENTS (JR) LIMITED→ 15495207 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| CPB FINANCIAL SERVICES LIMITED→ 14352406 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CREST LTD→ 05961182 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| CROICK CALEDONIAN LIMITED→ 04787832 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
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
Incorporated2009-11-19
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
195 Sandbed Lane
Belper
DE56 0SL
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-30
Last: 2025-08-16
Officers (3 active · 0 resigned)
STOKES, Jessica Hope→
Activedirector · ~32y · appointed 2025-12-01
View their other companies + combined net worth →
TAYLOR, Clare Louise→
Activedirector · ~58y · appointed 2011-02-14
View their other companies + combined net worth →
TAYLOR, Richard Charles→
Activedirector · ~59y · appointed 2009-11-19
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (42 total)
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-01-20
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-01-20
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-01-20
appoint-person-director-company-with-name-date
officers · AP01
2026-01-07
memorandum-articles
incorporation · MA
2025-12-05
resolution
resolution · RESOLUTIONS
2025-12-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-16
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-31
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-06-28
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-17
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-28