CLEARBROKING LTD

🌳Matureactive
08024522 · ltd · incorporated 2012-04-10
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 Oct 2024
Net worth
—
book net assets
Opportunity
78/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (63/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 1.5y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Newest facility, 1.5 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 23/100 — clean.

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
11 officers (4 active, 11 linked, 10 with DOB)
88
Ownership & PSC
1 active PSC(s) of 5 total, 5 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
72 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-10-31
Average employees700

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 officers
  • • 1 confirmation-statement
Last 180 days
3
filings
  • • 2 officers
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
  1. 2026-04-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-02-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-03-07
    📍
    move-registers-to-sail-company-with-new-address
    address · AD03
  4. 2025-03-07
    📍
    change-sail-address-company-with-new-address
    address · AD02
  5. 2025-03-06
    ➕
    WHEDDON, James appointed
    director
  6. 2025-03-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2024-12-11
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  8. 2024-12-10
    📄
    resolution
    resolution · RESOLUTIONS
  9. 2024-12-10
    📄
    memorandum-articles
    incorporation · MA
  10. 2024-12-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2024-12-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2024-12-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2024-12-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2024-12-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2024-12-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2024-12-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2024-12-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  18. 2024-12-06
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  19. 2024-12-06
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  20. 2024-12-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  21. 2024-12-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  22. 2024-11-29
    ➕
    ASTLEY, Stephen, Mr appointed
    director
  23. 2024-11-29
    ➕
    MOORE, David Robert appointed
    director
  24. 2024-11-29
    ➕
    PYKE, Matthew Mervyn appointed
    director
  25. 2024-11-29
    ➖
    GIBSON, Ben Michael resigned
    director
  26. 2024-11-29
    ➖
    MCNALLY, Stephen William resigned
    director
  27. 2024-11-29
    ➖
    SMITH, Diane Marie resigned
    director
  28. 2024-11-29
    ➖
    VARLEY, David Richard resigned
    director
  29. 2024-11-29
    🔒
    Charge registered #1
    Lender: Benefact Group PLC
  30. 2024-11-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  31. 2024-11-13
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  32. 2024-11-13
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  33. 2024-11-05
    ➖
    SMITH, Diane Marie resigned
    secretary
  34. 2024-11-05
    ➖
    SMITH, Robert Frederick resigned
    director
  35. 2024-03-01
    ➕
    SMITH, Diane Marie appointed
    secretary
  36. 2022-06-01
    ➕
    MCNALLY, Stephen William appointed
    director
  37. 2022-06-01
    ➕
    VARLEY, David Richard appointed
    director
  38. 2022-05-13
    ➕
    GIBSON, Ben Michael appointed
    director
  39. 2016-04-25
    ➖
    GILMOUR, Mervyn Marshall resigned
    director
  40. 2012-04-10
    🏢
    Company incorporated
    As CLEARBROKING LTD
  41. 2012-04-10
    ➕
    GILMOUR, Mervyn Marshall appointed
    director
  42. 2012-04-10
    ➕
    SMITH, Diane Marie appointed
    director
  43. 2012-04-10
    ➕
    SMITH, Robert Frederick appointed
    director

Owner dependency

55/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

50/100
Moderate signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.

Red flags

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Group structure

Lloyd & Whyte Group Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Lloyd & Whyte Group Ltd
Corporate parent · holds 75-100% shares
ultimate parent
⬇
CLEARBROKING LTD
This company · 08024522

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%
NameSharesVoting rightsNature of controlNotified
Lloyd & Whyte Group Ltd
Corporate entity
75–100%
—75-100% shares29/11/2024
4 historic (ceased) PSCs
  • Mr Robert Frederick Smithceased 29/11/2024· 50-75% shares
  • Mrs Diane Marie Smithceased 29/11/2024· 25-50% shares
  • Mrs Diane Marie Smithceased 05/11/2024· 25-50% shares
  • Mr Robert Frederick Smithceased 05/11/2024· 25-50% shares · 25-50% voting · board control · 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 · TA postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
CALLUNA ENTERPRISES LTD→
07887084 · est 2011 · no financials extracted
————14y——
CENTURY WEALTH MANAGEMENT LTD→
15434537 · est 2024 · no financials extracted
————2y——
CHANCERY HOUSE FINANCE LIMITED→
04941731 · est 2003 · no financials extracted
————22y——
CLAIMS CONSORTIUM ADJUSTING LIMITED→
12084763 · est 2019 · no financials extracted
————6y——
CLARK SHAW ASSOCIATES LIMITED→
15118839 · est 2023 · no financials extracted
————2y——
CLEAR THINKING ENTERPRISE LTD→
11616870 · est 2018 · no financials extracted
————7y——
CLP SAFETY & TRAINING LIMITED→
07042776 · est 2009 · no financials extracted
————16y——
COGENT PLANNING LTD→
08703693 · est 2013 · no financials extracted
————12y——
COGENT RESEARCH LTD→
04955082 · est 2003 · no financials extracted
————22y——
COLLIS FINANCIAL SERVICES LIMITED→
08447457 · est 2013 · no financials extracted
————13y——
COMMERCIAL MORTGAGE GROUP LIMITED→
05845229 · est 2006 · no financials extracted
————19y——
CONNECT & PROTECT LIMITED→
06943790 · est 2009 · no financials extracted
————16y——
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
Incorporated2012-04-10
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Affinity House
Bindon Road
Taunton
TA2 6AA
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-10-31
Confirmation statement
Next due: 2027-03-01
Last: 2026-02-15

Officers (4 active · 7 resigned)

ASTLEY, Stephen, Mr →
director · ~67y · appointed 2024-11-29
View their other companies + combined net worth →
Active
MOORE, David Robert→
director · ~60y · appointed 2024-11-29
View their other companies + combined net worth →
Active
PYKE, Matthew Mervyn→
director · ~56y · appointed 2024-11-29
View their other companies + combined net worth →
Active
WHEDDON, James→
director · ~49y · appointed 2025-03-06
View their other companies + combined net worth →
Active
SMITH, Diane Marie→
secretary · appointed 2024-03-01 · resigned 2024-11-05
Resigned
GIBSON, Ben Michael→
director · ~38y · appointed 2022-05-13 · resigned 2024-11-29
Resigned
GILMOUR, Mervyn Marshall→
director · ~64y · appointed 2012-04-10 · resigned 2016-04-25
Resigned
MCNALLY, Stephen William→
director · ~49y · appointed 2022-06-01 · resigned 2024-11-29
Resigned
SMITH, Diane Marie→
director · ~49y · appointed 2012-04-10 · resigned 2024-11-29
Resigned
SMITH, Robert Frederick→
director · ~64y · appointed 2012-04-10 · resigned 2024-11-05
Resigned
VARLEY, David Richard→
director · ~46y · appointed 2022-06-01 · resigned 2024-11-29
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Benefact Group
Benefact Group PLC
A registered charge1 property29/11/2024—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (72 total)

change-person-director-company-with-change-date
officers · CH01
2026-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-25
change-person-director-company-with-change-date
officers · CH01
2026-02-13
move-registers-to-sail-company-with-new-address
address · AD03
2025-03-07
change-sail-address-company-with-new-address
address · AD02
2025-03-07
appoint-person-director-company-with-name-date
officers · AP01
2025-03-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-04
change-account-reference-date-company-current-extended
accounts · AA01
2024-12-11
resolution
resolution · RESOLUTIONS
2024-12-10
memorandum-articles
incorporation · MA
2024-12-10
appoint-person-director-company-with-name-date
officers · AP01
2024-12-09
appoint-person-director-company-with-name-date
officers · AP01
2024-12-09
appoint-person-director-company-with-name-date
officers · AP01
2024-12-06
termination-director-company-with-name-termination-date
officers · TM01
2024-12-06
termination-director-company-with-name-termination-date
officers · TM01
2024-12-06