CALVER INVESTMENTS LTD
🏛️Establishedactive
13178962 · ltd · incorporated 2021-02-04
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
—
year to Sept 2024
Net worth
—
book net assets
Opportunity
78/100
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 78/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 5.4y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.4 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)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
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
3 connected companies via shared directors
54
Filing history
13 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Average employees | 200 | 200 |
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (13 events)Click to expand
- 2025-09-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-06-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-16🔒Charge registered #2Lender: Brown Shipley & Co Limited
- 2022-09-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-22📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-03-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-03-02🔒Charge registered #1Lender: Barclays Bank UK PLC
- 2021-02-04🏢Company incorporatedAs CALVER INVESTMENTS LTD
- 2021-02-04➕CALVER, Nicholas John appointeddirector
- 2021-02-04➕CALVER, Rachel Nina appointeddirector
- 2021-02-04📄incorporation-companyincorporation · NEWINC
Owner dependency
94/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "CALVER" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 5 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- 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 Nicholas John Calver Individual · British · DOB 12/1967 · age 59 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 04/02/2021 |
Mrs Rachel Nina Calver Individual · British · DOB 08/1970 · age 56 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 04/02/2021 |
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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|---|---|---|---|---|---|---|---|
| ATOMIC 42 LTD→ 14183305 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AUDEO FS LIMITED→ 11140398 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BAURENCLY LTD→ 16568735 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BEECHWOOD IFA LTD→ 10307783 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BRANCASTER HOUSE FINANCIAL PLANNING LTD→ 13000271 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BUNN HOLDINGS LIMITED→ 11492090 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| C P WILKINSON FINANCIAL SERVICES LTD→ 08196446 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| CAVAN→ 16862071 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CHADWICKS ENTERPRISE LIMITED→ 09788588 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CHADWICKS INVESTMENT MANAGEMENT LIMITED→ 12052167 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CHADWICKS LIMITED→ 03292960 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| CHARLES-MAYO FINANCIAL ADVISERS LIMITED→ 14783064 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2021-02-04
Jurisdictionengland-wales
Primary SIC64304 — Activities of open-ended investment companies
Registered office
5 The Village, Main Road
Fleggburgh
Great Yarmouth
Norfolk
NR29 3DL
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2027-02-17
Last: 2026-02-03
Officers (2 active · 0 resigned)
CALVER, Nicholas John→
Activedirector · ~59y · appointed 2021-02-04
View their other companies + combined net worth →
CALVER, Rachel Nina→
Activedirector · ~56y · appointed 2021-02-04
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
2
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Brown Shipley & Co Brown Shipley & Co Limited | A registered charge | 1 property | 16/02/2023 | — | |
| outstanding | Barclays Barclays Bank UK PLC | A registered charge | — | 02/03/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (13 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-17
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-24
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-07
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-10
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-23
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-07
change-account-reference-date-company-previous-shortened
accounts · AA01
2022-02-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-03-25
incorporation-company
incorporation · NEWINC
2021-02-04