CLARIDGES FINANCE LIMITED
🏛️Establishedactive
11159434 · ltd · incorporated 2018-01-19
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 8.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£2.49M
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
2 live charges · oldest 8.1y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 8.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (75/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
42 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
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
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £2,485,190
Key financials
1 year extracted from filed iXBRL accountsCash
£221k
Net Worth
£2.5m
Current Assets
£11m
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 |
|---|---|
| Total assets | £2.49M |
| Current assets | £10.72M |
| Cash | £220.7k |
| Debtors | £10.50M |
| Net assets | £2.49M |
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 confirmation-statement
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-02-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-26📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2024-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-27📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-03-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-08📄accounts-amended-with-made-up-dateaccounts · AAMD
- 2023-12-22📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-09-26📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-03-22📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-12-22📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-09-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-10-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-10-19📄change-person-director-company-with-change-dateofficers · CH01
- 2020-10-19📄change-person-director-company-with-change-dateofficers · CH01
- 2020-10-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-10-16📄change-person-director-company-with-change-dateofficers · CH01
- 2020-10-16📄change-person-director-company-with-change-dateofficers · CH01
- 2020-10-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-06-22🔒Charge registered #2Lender: Willow Bay Investments Limited
- 2018-06-15🔒Charge registered #1Lender: Willow Bay Investments Limited
- 2018-01-19🏢Company incorporatedAs CLARIDGES FINANCE LIMITED
- 2018-01-19➕DAVIS, Andrew appointeddirector
- 2018-01-19➕SHULMAN, James Bradley appointeddirector
Owner dependency
63/100
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.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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 Andrew Davis Individual · British · DOB 08/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 19/01/2018 |
Mr James Bradley Shulman Individual · British · DOB 10/1971 · age 55 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 19/01/2018 |
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 · EN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CARR MITCHELL LIMITED→ 06913493 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CONANCE LIMITED→ 01966411 · est 1985 · no financials extracted | — | — | — | — | 40y | — | — |
| CORAL BRIDGING LIMITED→ 12939911 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CORMEL2 LTD→ 14289424 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CVS PROPERTIES LTD→ 09646575 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| DATA INFOTEC LIMITED→ 04972499 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| DAVID BENNETT LIMITED→ 14511967 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DEBLO CAPITAL LIMITED→ 12537728 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| DEBWIN HOLDINGS→ 13688271 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| DEENFS WILLS & PROBATE LTD→ 10946041 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| DEF WEALTH SOLUTIONS LIMITED→ 07972823 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| DESTINY CAPITAL MANAGEMENT LTD→ 12298450 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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
Incorporated2018-01-19
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
42 Lytton Road
Barnet
Hertfordshire
EN5 5BY
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-05
Last: 2026-02-19
Officers (2 active · 0 resigned)
DAVIS, Andrew→
Activedirector · ~53y · appointed 2018-01-19
View their other companies + combined net worth →
SHULMAN, James Bradley→
Activedirector · ~55y · appointed 2018-01-19
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Willow Bay Investments Willow Bay Investments Limited | A registered charge | — | 22/06/2018 | — | |
| outstanding | Willow Bay Investments Willow Bay Investments Limited | A registered charge | — | 15/06/2018 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (42 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-30
change-account-reference-date-company-previous-extended
accounts · AA01
2025-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-24
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-09-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-19
accounts-amended-with-made-up-date
accounts · AAMD
2024-02-08
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-12-22
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-09-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-03-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-20
change-account-reference-date-company-previous-shortened
accounts · AA01
2022-12-22