CARTER WEALTH MANAGEMENT LTD
🌳Matureactive
08319830 · ltd · incorporated 2012-12-05
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
£932
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 78/100 (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: medium (78/100)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
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
50 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
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £932
Net assets shrinking
Down £2,258 YoY
Cash YoY
+17%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£50k
↑ 17% YoY
Net Worth
£932
↓ 71% YoY
Current Assets
£82k
↑ 5.4% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £30.6k | £9.5k |
| Current assets | £82.4k | £78.2k |
| Cash | £49.7k | £42.6k |
| Debtors | £32.7k | £35.5k |
| Net assets | £932 | £3.2k |
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2025-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-08📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-08📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-08📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-01📄gazette-filings-brought-up-to-dategazette · DISS40
- 2022-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-01📄dissolved-compulsory-strike-off-suspendeddissolution · DISS16(SOAS)
- 2022-03-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-03-08📄gazette-notice-compulsorygazette · GAZ1
- 2021-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2013-01-01➕CARTER, Suzanne appointeddirector
- 2012-12-05🏢Company incorporatedAs CARTER WEALTH MANAGEMENT LTD
- 2012-12-05➕CARTER, Suzanne appointedsecretary
- 2012-12-05➕CARTER, David John appointeddirector
Owner dependency
89/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "CARTER" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 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.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David John Carter Individual · British · DOB 08/1968 · age 58 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Suzanne Carter Individual · British · DOB 03/1972 · age 54 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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 · LS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BONDINSURE LIMITED→ 15249956 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BONDSURE LIMITED→ 15250101 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BRITOPIA HOLDINGS LIMITED→ 16345148 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BROOKS RAYNER→ 11133852 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| C F BELL FINANCIAL CONSULTANT LTD→ 06484010 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| C J VERONIX LIMITED→ 08469447 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| CADS INVESTMENTS→ 08854829 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| CARLEX ESTATES,LIMITED→ 00407586 · est 1946 · no financials extracted | — | — | — | — | 80y | — | — |
| CARTER FINANCIAL SOLUTIONS LTD→ 14593575 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CASH DIRECT (UK) LIMITED→ 04851457 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| CASTLETON PROPERTIES (LEEDS) LTD.→ 12225647 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CATHEDRAL FINANCIAL PLANNING (UK) LTD→ 08993764 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
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
Incorporated2012-12-05
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
The Old Stables 37 Ireland Crescent
Cookridge
Leeds
West Yorkshire
LS16 6SY
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-19
Last: 2025-12-05
Officers (3 active · 0 resigned)
Active
CARTER, David John→
Activedirector · ~58y · appointed 2012-12-05
View their other companies + combined net worth →
CARTER, Suzanne→
Activedirector · ~54y · appointed 2013-01-01
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (50 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-17
change-person-director-company-with-change-date
officers · CH01
2024-02-08
change-person-director-company-with-change-date
officers · CH01
2024-02-08
change-person-secretary-company-with-change-date
officers · CH03
2024-02-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-14
gazette-filings-brought-up-to-date
gazette · DISS40
2022-07-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-30
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2022-04-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-03-25