CLARITY FINANCIAL ADVISERS LIMITED
🏛️Establishedactive
13407079 · ltd · incorporated 2021-05-18
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£-7.7k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 77/100 (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: strategic trade sale (73/100).
Data confidence
Overall: medium (76/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
6 officers (3 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
31 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
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
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Negative net assets
Liabilities exceed assets by £7,736
Net assets shrinking
Down £7,836 YoY
Cash YoY
+466%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£566
↑ 466% YoY
Net Worth
-£8k
↓ 7836% YoY
Current Assets
£11k
↑ 10630% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £-7.7k | £100 |
| Current assets | £10.7k | £100 |
| Cash | £566 | £100 |
| Debtors | £10.2k | — |
| Net assets | £-7.7k | £100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 signals 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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-11-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-09-19📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-09-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-01➕GRAYSON, Bradie Lee appointeddirector
- 2024-02-06📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-03-21📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-04-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-03-28➕SWIRLES, Michael Robert appointedsecretary
- 2022-03-28➕SWIRLES, Michael Robert appointeddirector
- 2022-03-28➖RIDOUT, Susan Jane resignedsecretary
- 2022-03-28➖RIDOUT, Susan Jane resigneddirector
- 2022-03-28📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-03-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-03-28📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-03-28📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2022-03-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-07-01➕RIDOUT, Susan Jane appointedsecretary
- 2021-07-01➕RIDOUT, Susan Jane appointeddirector
- 2021-07-01➖SOUTHGATE, Emma Jane resigneddirector
- 2021-07-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-05-18🏢Company incorporatedAs CLARITY FINANCIAL ADVISERS LIMITED
- 2021-05-18➕SOUTHGATE, Emma Jane appointeddirector
Owner dependency
66/100
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.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
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 58. 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 Bradie Lee Grayson Individual · British · DOB 02/1993 · age 33 | 50–75% | 50–75% | board controlsig. influence50-75% shares · 50-75% voting · board control · significant influence · firm interest | 05/11/2024 |
Mr Michael Robert Swirles Individual · British · DOB 10/1968 · age 58 | 25–50% | 25–50% | board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence · firm interest | 22/03/2022 |
2 historic (ceased) PSCs
- Miss Susan Jane Ridoutceased 28/03/2022· 75-100% shares · 75-100% voting · board control
- Miss Emma Jane Southgateceased 01/07/2021· 75-100% shares · 75-100% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
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|---|---|---|---|---|---|---|---|
| CAPITALISED FINANCIAL LIMITED→ 13692368 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CELIA MASON WEALTH MANAGEMENT LTD→ 09707061 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CFBUK SECURED FINANCE LTD→ 16462904 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CHANDLER HOUSE FINANCIAL PLANNING LTD→ 06974724 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CLARET COMMERCIAL LTD→ 17012664 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CLAYDON MORTGAGE SERVICES LIMITED→ 09237025 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| COLIN ROSS FINANCIAL PLANNING LTD→ 11040034 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| COMPOSED ABODES LIMITED→ 15863830 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| COSTA NIGHTS LIMITED→ 14332943 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CREASY CONSULTING LIMITED→ 07961363 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| CTF INVESTMENTS LTD→ 15786800 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CTY REAL TIME TRADING LTD→ 14231721 · est 2022 · 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
Incorporated2021-05-18
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
28d Church Street Church Street
Woodbridge
IP12 1DH
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-07-15
Last: 2026-07-01
Officers (3 active · 3 resigned)
SWIRLES, Michael Robert→
Activesecretary · appointed 2022-03-28
View their other companies + combined net worth →
GRAYSON, Bradie Lee→
Activedirector · ~33y · appointed 2024-09-01
View their other companies + combined net worth →
SWIRLES, Michael Robert→
Activedirector · ~58y · appointed 2022-03-28
View their other companies + combined net worth →
RIDOUT, Susan Jane→
Resignedsecretary · appointed 2021-07-01 · resigned 2022-03-28
RIDOUT, Susan Jane→
Resigneddirector · ~61y · appointed 2021-07-01 · resigned 2022-03-28
SOUTHGATE, Emma Jane→
Resigneddirector · ~52y · appointed 2021-05-18 · resigned 2021-07-01
Click a director name to see their full track record across all companies.
Recent filings (31 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-08
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-11-05
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-02
accounts-with-accounts-type-dormant
accounts · AA
2024-09-19
appoint-person-director-company-with-name-date
officers · AP01
2024-09-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-03
accounts-with-accounts-type-dormant
accounts · AA
2024-02-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-04
change-person-director-company-with-change-date
officers · CH01
2023-03-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-21