CLEAR FINANCIAL (MIDLANDS) LTD

💤Zombieactive
10637280 · ltd · incorporated 2017-02-24
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
—
book net assets
Opportunity
72/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 72/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (77/100)

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
4 officers (2 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
25 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
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£0Mar 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2026-03-312025-03-31
Average employees100100

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
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2026-04-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-07-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-11-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-10-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-12-14
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2022-11-25
    ➖
    DUNCAN, Jennifer Clare resigned
    director
  7. 2022-11-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-12-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-07-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2021-07-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2020-12-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2019-07-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-05-07
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  14. 2019-04-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2019-03-31
    ➖
    MANAVI, Nasan resigned
    director
  16. 2018-11-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2017-05-11
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  18. 2017-02-24
    🏢
    Company incorporated
    As CLEAR FINANCIAL (MIDLANDS) LTD
  19. 2017-02-24
    ➕
    DUNCAN, Dean Martin Oliver appointed
    secretary
  20. 2017-02-24
    ➕
    DUNCAN, Dean Martin Oliver appointed
    director
  21. 2017-02-24
    ➕
    DUNCAN, Jennifer Clare appointed
    director
  22. 2017-02-24
    ➕
    MANAVI, Nasan appointed
    director
  23. 2017-02-24
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

75/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

45/100
Moderate signal

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

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

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
NameSharesVoting rightsNature of controlNotified
Mr Dean Martin Oliver Duncan
Individual · British · DOB 06/1979 · age 47
50–75%
50–75%50-75% shares · 50-75% voting24/02/2017
1 historic (ceased) PSC
  • Mr Nasan Manaviceased 30/04/2019· 25-50% shares · 25-50% voting

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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———————
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———————
CAUSON BUSINESS FINANCE LIMITED→
15888072 · est 2024 · no financials extracted
————1y——
CHARLESWORTH FINANCIAL PLANNING LIMITED→
04662532 · est 2003 · no financials extracted
————23y——
CHODY LIMITED→
06557955 · est 2008 · no financials extracted
————18y——
CITY AND COMMERCIAL LTD→
02814889 · est 1993 · no financials extracted
————32y——
CLAREMONT FINANCIAL PLANNING LIMITED→
03794947 · est 1999 · no financials extracted
————26y——
CLARK FINANCE LTD→
13224940 · est 2021 · no financials extracted
————5y——
CLEAR FINANCIAL (LEICESTER) LTD→
11826936 · est 2019 · no financials extracted
————7y——
CLEAR SKY FINANCIAL CONSULTING LIMITED→
07153389 · est 2010 · no financials extracted
————16y——
CLEAR SKY MORTGAGE SOLUTIONS LTD→
09699641 · est 2015 · no financials extracted
————10y——
CLOISTERS FINANCIAL MANAGEMENT LIMITED→
04968965 · est 2003 · no financials extracted
————22y——
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
Incorporated2017-02-24
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Westgate House
Royland Road
Loughborough
Leicestershire
LE11 2EH
United Kingdom

Filing status

Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-03-14
Last: 2026-02-28

Officers (2 active · 2 resigned)

DUNCAN, Dean Martin Oliver→
secretary · appointed 2017-02-24
View their other companies + combined net worth →
Active
DUNCAN, Dean Martin Oliver→
director · ~47y · appointed 2017-02-24
View their other companies + combined net worth →
Active
DUNCAN, Jennifer Clare→
director · ~43y · appointed 2017-02-24 · resigned 2022-11-25
Resigned
MANAVI, Nasan→
director · ~44y · appointed 2017-02-24 · resigned 2019-03-31
Resigned

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

Recent filings (25 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-10
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-05
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-03
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-02
termination-director-company-with-name-termination-date
officers · TM01
2022-12-14
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-01
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-17
change-person-director-company-with-change-date
officers · CH01
2021-07-09
change-person-director-company-with-change-date
officers · CH01
2021-07-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-19