CLARUS LIVING (MIDLANDS) LIMITED
🏛️Establishedactive
13148213 · ltd · incorporated 2021-01-20
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
£51.7k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Construction of domestic buildings
Sector: Construction
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 78/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -79% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
3 live charges · oldest 5.2y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
5 officers (5 active, 5 linked, 5 with DOB)
90
Ownership & PSC
4 active PSC(s) of 4 total, 4 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
19 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
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
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 £51,723
Net assets shrinking
Down £3,145 YoY
Cash draining
Cash down 79% YoY
Cash YoY
-79%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£3k
↓ 79% YoY
Net Worth
£52k
↓ 5.7% YoY
Current Assets
£197k
↑ 14% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Total assets | £51.7k | £54.9k |
| Current assets | £197.3k | £173.5k |
| Cash | £2.7k | £12.5k |
| Debtors | £5.0k | £535 |
| Net assets | £51.7k | £54.9k |
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
2
filings
- • 1 confirmation-statement
- • 1 officers
Last 180 days
3
filings
- • 1 confirmation-statement
- • 1 officers
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2026-04-14📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-27📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2022-10-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-17🔒Charge registered #3Lender: Trustees of the Wareham Family Ssas
- 2021-11-05📄resolutionresolution · RESOLUTIONS
- 2021-11-05📄memorandum-articlesincorporation · MA
- 2021-11-05📄capital-allotment-sharescapital · SH01
- 2021-11-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-10-14➕MARTIN, Simon Neil appointeddirector
- 2021-05-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-20🔒Charge registered #2Lender: Trustees of the Wareham Family Ssas
- 2021-03-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-03-19🔒Charge registered #1Lender: Trustees of the Wareham Family Ssas
- 2021-01-20🏢Company incorporatedAs CLARUS LIVING (MIDLANDS) LIMITED
- 2021-01-20➕CHAPMAN, Clair appointeddirector
- 2021-01-20➕CHAPMAN, Paul Robert appointeddirector
- 2021-01-20➕WAREHAM, Claire Kathryn appointeddirector
- 2021-01-20➕WAREHAM, Paul Anthony appointeddirector
- 2021-01-20📄incorporation-companyincorporation · NEWINC
Owner dependency
56/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
40/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
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
4 active beneficial owners · fragmented| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Clair Chapman Individual · British · DOB 06/1971 · age 55 | — | — | board controlboard control | 20/01/2021 |
Mr Paul Robert Chapman Individual · British · DOB 12/1969 · age 57 | — | — | board controlboard control | 20/01/2021 |
Mrs Claire Kathryn Wareham Individual · British · DOB 03/1968 · age 58 | — | — | board controlboard control | 20/01/2021 |
Mr Paul Anthony Wareham Individual · British · DOB 02/1965 · age 61 | — | — | board controlboard control | 20/01/2021 |
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
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|---|---|---|---|---|---|---|---|
| 24HOURS RAPID RESPONSE PLUMBER LIMITED→ 16858145 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 3 CORE SPARKIES LTD→ 16921184 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 4D MAINTENANCE SERVICES LIMITED→ 05001507 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| 5555 LTD→ 15144897 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 5D PROJECTS DESIGN AND BUILD LTD→ 14731662 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| A1 BUILDERS UK LIMITED→ 12123454 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| A1 FLOORING SERVICES LIMITED→ 11610778 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AAM INSTALLATIONS LIMITED→ 11529608 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AB CONSTRUCTION U.K LTD→ 14328530 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ABACUS APARTMENTS LTD→ 12099122 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ABACUS ELECTRIC LIMITED→ 11360285 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ABACUS PROPERTY CONSTRUCT LTD→ 15772649 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2021-01-20
Jurisdictionengland-wales
Primary SIC41202 — Construction of domestic buildings
Registered office
The Mills
Canal Street
Derby
Derbyshire
DE1 2RJ
England
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-02-02
Last: 2026-01-19
Officers (5 active · 0 resigned)
CHAPMAN, Clair→
Activedirector · ~55y · appointed 2021-01-20
View their other companies + combined net worth →
CHAPMAN, Paul Robert→
Activedirector · ~57y · appointed 2021-01-20
View their other companies + combined net worth →
MARTIN, Simon Neil→
Activedirector · ~56y · appointed 2021-10-14
View their other companies + combined net worth →
WAREHAM, Claire Kathryn→
Activedirector · ~58y · appointed 2021-01-20
View their other companies + combined net worth →
WAREHAM, Paul Anthony→
Activedirector · ~61y · appointed 2021-01-20
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Trustees of the Wareham Family Ssas | A registered charge | 1 property | 17/03/2022 | — | |
| outstanding | Trustees of the Wareham Family Ssas | A registered charge | 1 property | 20/05/2021 | — | |
| outstanding | Trustees of the Wareham Family Ssas | A registered charge | 1 property | 19/03/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (19 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-14
change-person-director-company-with-change-date
officers · CH01
2026-04-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-15
change-account-reference-date-company-previous-extended
accounts · AA01
2023-04-27
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-24
resolution
resolution · RESOLUTIONS
2021-11-05
memorandum-articles
incorporation · MA
2021-11-05
capital-allotment-shares
capital · SH01
2021-11-05