CLEVER ADVICE MORTGAGES LIMITED
Opportunity 70/100 (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: Cash flow review and working-capital discipline. Cash down -32% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £77 | £1.5k |
| Current assets | £132.5k | £123.0k |
| Cash | £11.9k | £17.4k |
| Debtors | £120.6k | £105.6k |
| Net assets | £77 | £213 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (22 events)Click to expand
- 2025-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-14✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-13📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-08-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-08-09➖JABBAR, Ali resigneddirector
- 2023-07-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-01-04📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-01-03📄gazette-notice-compulsorygazette · GAZ1
- 2022-12-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-03📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2021-07-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-08📄change-person-director-company-with-change-dateofficers · CH01
- 2020-07-08📄change-person-director-company-with-change-dateofficers · CH01
- 2020-07-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-07-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-07-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-05-25🏢Company incorporatedAs CLEVER ADVICE MORTGAGES LIMITED
- 2018-05-25➕KALAYCI, Ayhan appointeddirector
- 2018-05-25➕JABBAR, Ali appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-11-14: certificate-change-of-name-company
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ayhan Kalayci Individual · British · DOB 02/1980 · age 46 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 25/05/2018 |
1 historic (ceased) PSC
- Mr Ali Jabbarceased 09/08/2023· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (1 active · 1 resigned)
Click a director name to see their full track record across all companies.