CLEARDEBT GROUP LIMITED

🌳Matureactive
09926847 · ltd · incorporated 2015-12-22
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 10.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 81-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 81). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 10.2y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 10.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (84/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
13 connected companies via shared directors
84
Filing history
33 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
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
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30

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
0
filings
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2026-03-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-05-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-03-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2024-03-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-03-17
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2022-02-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2021-05-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2020-04-04
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2019-03-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2018-09-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2018-06-26
    ➖
    SHALOM, David Michael resigned
    director
  12. 2018-06-26
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2018-05-15
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  14. 2018-05-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2017-10-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2017-06-13
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2017-06-10
    ➖
    LEE, Simon Christopher resigned
    director
  18. 2017-03-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2016-04-05
    🔒
    Charge registered #1
    Lender: David Emanuel Merton Mond (Money Lender)
  20. 2016-02-12
    ➕
    MOND, Samuel Edward Marcus appointed
    director
  21. 2016-02-12
    ➕
    LEE, Simon Christopher appointed
    director
  22. 2016-02-12
    ➕
    SHALOM, David Michael appointed
    director
  23. 2015-12-22
    🏢
    Company incorporated
    As CLEARDEBT GROUP LIMITED
  24. 2015-12-22
    ➕
    MOND, David Emanuel Merton appointed
    director

Owner dependency

81/100
Critical — business is the founder

The 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 age: Director aged approximately 81 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

71/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr David Emanuel Merton Mond
Individual · British · DOB 11/1945 · age 81
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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 →

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————21y——
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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
Incorporated2015-12-22
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

First Floor 219 Ashley Road
Hale
Altrincham
Cheshire
WA15 9SZ
England

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-01-04
Last: 2025-12-21

Officers (2 active · 2 resigned)

MOND, David Emanuel Merton→
director · ~81y · appointed 2015-12-22
View their other companies + combined net worth →
Active
MOND, Samuel Edward Marcus→
director · ~41y · appointed 2016-02-12
View their other companies + combined net worth →
Active
LEE, Simon Christopher→
director · ~49y · appointed 2016-02-12 · resigned 2017-06-10
Resigned
SHALOM, David Michael→
director · ~59y · appointed 2016-02-12 · resigned 2018-06-26
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
David Emanuel Merton Mond (Money Lender)
A registered charge1 property05/04/2016—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (33 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-05-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-02
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-02-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-02