CLOVER AND CO. LIMITED

💤Zombieactive
08003519 · ltd · incorporated 2012-03-23
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 Oct 2024
Net worth
£-305
book net assets
Opportunity
65/100
Strong
🔔
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What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 65/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: high (80/100)

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

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
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
41 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
65/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Negative net assets
Liabilities exceed assets by £305
Cash YoY
+0%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£20k
~ YoY
Net Worth
-£305
~ YoY
Current Assets
£20k
~ YoY
Current Liabilities
-£305£4k£8k£12k£16k£20kOct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-10-312023-10-31
Total assets£-305£-305
Current assets£19.5k£19.5k
Cash£19.5k£19.5k
Net assets£-305£-305

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
2
filings
  • 1 gazette
  • 1 dissolution
Last 180 days
2
filings
  • 1 gazette
  • 1 dissolution
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2026-06-09
    📄
    gazette-notice-voluntary
    gazette · GAZ1(A)
  2. 2026-05-29
    📄
    dissolution-application-strike-off-company
    dissolution · DS01
  3. 2025-03-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-07-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-06-24
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  6. 2023-06-23
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2023-06-13
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  8. 2023-03-03
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  9. 2023-02-16
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  10. 2023-02-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2023-02-16
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2023-02-08
    PARRETT, Graeme John appointed
    director
  13. 2023-02-08
    CLOVER, Sonya Louise resigned
    director
  14. 2022-11-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2021-12-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2020-11-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2020-01-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2018-12-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2018-06-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2012-03-23
    🏢
    Company incorporated
    As CLOVER AND CO. LIMITED
  21. 2012-03-23
    CLOVER, Sonya Louise appointed
    director

Owner dependency

75/100
High — earn-out structure required

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

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

45/100
Moderate signal

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

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

1 high ·
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-04-06

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Graeme John Parrett
Individual · British · DOB 01/1976 · age 50
75100%
75–100%board control75-100% shares · 75-100% voting · board control08/02/2023
1 historic (ceased) PSC
  • Miss Sonya Louise Cloverceased 08/02/2023· 75-100% shares · 75-100% voting · board control

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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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
Incorporated2012-03-23
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

18 High Road
Layer De La Haye
Colchester
CO2 0DS

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-04-06OVERDUE
Last: 2025-03-23

Officers (1 active · 1 resigned)

PARRETT, Graeme John
director · ~50y · appointed 2023-02-08
View their other companies + combined net worth →
Active
CLOVER, Sonya Louise
director · ~61y · appointed 2012-03-23 · resigned 2023-02-08
Resigned

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

Recent filings (41 total)

gazette-notice-voluntary
gazette · GAZ1(A)
2026-06-09
dissolution-application-strike-off-company
dissolution · DS01
2026-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-08
gazette-filings-brought-up-to-date
gazette · DISS40
2023-06-24
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-23
appoint-person-director-company-with-name-date
officers · AP01
2023-06-23
gazette-notice-compulsory
gazette · GAZ1
2023-06-13
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-03-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-02-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-02-16
termination-director-company-with-name-termination-date
officers · TM01
2023-02-16
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-09