CLEMENTINE FINANCIAL LIMITED
🌳Matureactive
08568406 · ltd · incorporated 2013-06-13
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 Dec 2024
Net worth
£-175.2k
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 73/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (72/100)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
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 3 with DOB)
90
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
56 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Negative net assets
Liabilities exceed assets by £175,203
Key financials
1 year extracted from filed iXBRL accountsCash
£152
Net Worth
-£175k
Current Assets
£33k
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-30 |
|---|---|
| Total assets | £-174.2k |
| Current assets | £32.7k |
| Cash | £152 |
| Debtors | £32.5k |
| Net assets | £-175.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
4 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
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2025-12-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-09-30📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-06-20📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-04-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-12📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2024-08-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-06📄change-person-director-company-with-change-dateofficers · CH01
- 2024-07-23📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-04-24📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-01-29📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-08-03📄change-person-director-company-with-change-dateofficers · CH01
- 2023-08-03📄change-person-director-company-with-change-dateofficers · CH01
- 2023-08-03📄change-person-director-company-with-change-dateofficers · CH01
- 2023-08-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-08-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-08-03📄change-person-director-company-with-change-dateofficers · CH01
- 2023-08-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-08-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-08-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-06-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-05-26➕FROST, Ryan Brook appointeddirector
- 2013-11-20➕DUNN, Stuart Phillip appointeddirector
- 2013-06-13🏢Company incorporatedAs CLEMENTINE FINANCIAL LIMITED
- 2013-06-13➕DUNN, Rebecca Lyn appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
43/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- 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 |
|---|---|---|---|---|
Mrs Rebecca Lyn Dunn Individual · British · DOB 07/1973 · age 53 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mr Stuart Phillip Dunn Individual · British · DOB 09/1975 · age 51 | 25–50% | — | 25-50% shares | 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 · BB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AJ LEGACY INVESTMENTS LIMITED→ 16729457 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BALANCE FIX LIMITED→ 16337951 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BURNLEY SAVINGS AND LOANS LIMITED→ 07640762 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CAPITAL 07 LTD→ 16467141 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CHASE TEMPLETON LIMITED→ 03299980 · est 1997 · no financials extracted | — | — | — | — | 29y | — | — |
| CJF MORTGAGE SERVICES LIMITED→ 16530420 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CLEAR CHARGE CLAIMS LTD→ 16436279 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| COGNISANT INVESTMENT MANAGEMENT LTD→ 11842761 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CORAL FINANCIAL LTD→ 09390126 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| CORT BRADSHAW LIMITED→ 15539008 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| COVER MY BUBBLE LTD→ 11190721 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| CRAIG & ASSOCIATES LIMITED→ 03677351 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
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
Incorporated2013-06-13
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
Unit 27b Mitton Road Business Park, Mitton Road
Whalley
Clitheroe
Lancashire
BB7 9YE
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-30
Confirmation statement
Next due: 2027-03-13
Last: 2026-02-27
Officers (3 active · 0 resigned)
DUNN, Rebecca Lyn→
Activedirector · ~53y · appointed 2013-06-13
View their other companies + combined net worth →
DUNN, Stuart Phillip→
Activedirector · ~51y · appointed 2013-11-20
View their other companies + combined net worth →
FROST, Ryan Brook→
Activedirector · ~39y · appointed 2022-05-26
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (56 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-30
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-09-30
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-06-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-13
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2025-03-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-12
change-person-director-company-with-change-date
officers · CH01
2024-08-06
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-07-23
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-27
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-01-29
change-person-director-company-with-change-date
officers · CH01
2023-08-03
change-person-director-company-with-change-date
officers · CH01
2023-08-03