CLAIMS CARE CONSULTANTS LTD
🌳Matureactive
10130788 · ltd · incorporated 2016-04-18
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£10.2k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
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: share sale to pe / searcher (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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
29 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
75
Strong succession / seller-readiness signals.
Risk profile
82
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 £10,210
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£10k
↑ 7.2% YoY
Current Assets
£24k
↓ 18% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £11.4k | £9.5k |
| Current assets | £24.2k | £29.5k |
| Net assets | £10.2k | £9.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
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 (20 events)Click to expand
- 2025-12-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-08-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-04-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-04-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-06-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-23📄capital-allotment-sharescapital · SH01
- 2023-10-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-22📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-08-20📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-04-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-11-18➕CLEMENTSON, Tracy appointeddirector
- 2020-11-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-01-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-01-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-04📄change-person-director-company-with-change-dateofficers · CH01
- 2018-05-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2016-04-18🏢Company incorporatedAs CLAIMS CARE CONSULTANTS LTD
- 2016-04-18➕CLEMENTSON, Michael Kevin appointeddirector
Owner dependency
79/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
61/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- 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
1 lowMultiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Michael Kevin Clementson Individual · British · DOB 04/1963 · age 63 | — | 75–100% | board control75-100% voting · board control | 18/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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
Incorporated2016-04-18
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
14 Tribune Drive
Houghton
Carlisle
CA3 0LE
England
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-05-01
Last: 2026-04-17
Officers (2 active · 0 resigned)
CLEMENTSON, Michael Kevin→
Activedirector · ~63y · appointed 2016-04-18
View their other companies + combined net worth →
CLEMENTSON, Tracy→
Activedirector · ~61y · appointed 2020-11-18
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (29 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-11
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-08-11
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-11
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-04-22
change-person-director-company-with-change-date
officers · CH01
2025-04-19
change-person-director-company-with-change-date
officers · CH01
2025-04-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-19
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-21
capital-allotment-shares
capital · SH01
2024-04-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-17
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-09
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-17
accounts-with-accounts-type-dormant
accounts · AA
2022-09-22
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-19