CARMEL MIDCO 1 LIMITED
🏛️Establishedactive
13118252 · ltd · incorporated 2021-01-06
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 5.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Activities of open-ended investment companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 79/100 (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 (73/100).
🏦
Refinance opportunity
1 live charge · oldest 5.4y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (59/100)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
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 6 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
27 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
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
- 2025-09-23📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-09-23📄legacyaccounts · PARENT_ACC
- 2025-09-23📄legacyother · GUARANTEE2
- 2025-09-23📄legacyother · AGREEMENT2
- 2024-09-09📄accounts-with-accounts-type-fullaccounts · AA
- 2023-09-29📄accounts-with-accounts-type-fullaccounts · AA
- 2022-09-28📄accounts-with-accounts-type-fullaccounts · AA
- 2022-01-27📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-08-17📄memorandum-articlesincorporation · MA
- 2021-05-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-02-10➖CRITCHLEY, Robert Andrew resigneddirector
- 2021-02-10📄resolutionresolution · RESOLUTIONS
- 2021-02-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-02-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-02-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-01-29➖SHANGHAVI, Amar resigneddirector
- 2021-01-29➖WALLIS, Ian Scott resigneddirector
- 2021-01-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-01-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-01-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-01-27📄capital-allotment-sharescapital · SH01
- 2021-01-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-01-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-01-22➕ADAMS, Richard Albert Henry appointeddirector
- 2021-01-22➕CONNOR, Clem appointeddirector
- 2021-01-22➕JONES, Richard appointeddirector
- 2021-01-22➕CRITCHLEY, Robert Andrew appointeddirector
- 2021-01-22🔒Charge registered #1Lender: Mml UK Advisor LLP as Security Agent
- 2021-01-06🏢Company incorporatedAs CARMEL MIDCO 1 LIMITED
- 2021-01-06➕SHANGHAVI, Amar appointeddirector
- 2021-01-06➕WALLIS, Ian Scott appointeddirector
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Carmel Topco Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Carmel Topco Limited
Corporate parent · holds 75-100% shares · board control
⬇
CARMEL MIDCO 1 LIMITED
This company · 13118252
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Carmel Topco Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/01/2021 |
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 · BS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CAPEL COURT LIMITED→ 02686967 · est 1992 · no financials extracted | — | — | — | — | 34y | — | — |
| CAPITAL EQUIPMENT FINANCE LTD→ 09264050 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| CARDIFF UNIVERSITY PENSION FUND TRUSTEE LIMITED→ 16886100 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CASTLE LOANS LTD→ 08760575 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| CASTLEBRIDGE RX SPV LTD→ 14649117 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CASTLEMEAD INSURANCE BROKERS LIMITED→ 02104126 · est 1987 · no financials extracted | — | — | — | — | 39y | — | — |
| CEDAR WEALTH MANAGEMENT LIMITED→ 05648512 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| CENTERSQUARE INVESTMENT ADVISORS UK LTD→ 13987655 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CENTIVA CAPITAL UK LTD→ 12306117 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CENTRAL ASSET FINANCE LIMITED→ 06061892 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| CENTRAL LIMITED→ 03030869 · est 1995 · no financials extracted | — | — | — | — | 31y | — | — |
| CENTURION WEALTH MANAGEMENT LIMITED→ 07001057 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
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
Incorporated2021-01-06
Jurisdictionengland-wales
Primary SIC64304 — Activities of open-ended investment companies
Registered office
Western House Broad Lane
Yate
Bristol
BS37 7LD
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-01-19
Last: 2026-01-05
Officers (3 active · 3 resigned)
ADAMS, Richard Albert Henry→
Activedirector · ~47y · appointed 2021-01-22
View their other companies + combined net worth →
CONNOR, Clem→
Activedirector · ~45y · appointed 2021-01-22
View their other companies + combined net worth →
JONES, Richard→
Activedirector · ~66y · appointed 2021-01-22
View their other companies + combined net worth →
CRITCHLEY, Robert Andrew→
Resigneddirector · ~53y · appointed 2021-01-22 · resigned 2021-02-10
SHANGHAVI, Amar→
Resigneddirector · ~35y · appointed 2021-01-06 · resigned 2021-01-29
WALLIS, Ian Scott→
Resigneddirector · ~56y · appointed 2021-01-06 · resigned 2021-01-29
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Mml UK Advisor as Security Agent Mml UK Advisor LLP as Security Agent | A registered charge | — | 22/01/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (27 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-06
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-09-23
legacy
accounts · PARENT_ACC
2025-09-23
legacy
other · GUARANTEE2
2025-09-23
legacy
other · AGREEMENT2
2025-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-10
accounts-with-accounts-type-full
accounts · AA
2024-09-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-08
accounts-with-accounts-type-full
accounts · AA
2023-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-17
accounts-with-accounts-type-full
accounts · AA
2022-09-28
change-account-reference-date-company-previous-shortened
accounts · AA01
2022-01-27
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-07
memorandum-articles
incorporation · MA
2021-08-17
termination-director-company-with-name-termination-date
officers · TM01
2021-05-26