CLEARPATH FINANCE LIMITED

🏛️Establishedactive
NI640658 · ltd · incorporated 2016-09-07
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 Mar 2025
Net worth
£31.2k
book net assets
Opportunity
77/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

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: share sale to pe / searcher (73/100).

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
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
23 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 102
Positive net assets
Net assets £31,203
Net assets shrinking
Down £44,362 YoY
Cash YoY
+68%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£5k
↑ 68% YoY
Net Worth
£31k
↓ 59% YoY
Current Assets
£111k
↓ 43% YoY
Current Liabilities
—
£0£39k£77k£116k£155k£193kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£68.4k£120.4k
Current assets£110.6k£193.2k
Cash£5.0k£2.9k
Debtors£105.6k£190.2k
Net assets£31.2k£75.6k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (16 events)Click to expand
  1. 2025-12-18
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2024-12-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2024-03-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2022-12-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2022-01-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2021-03-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2020-01-02
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2018-12-19
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2018-01-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-01-05
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  11. 2017-09-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2017-05-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2016-09-07
    🏢
    Company incorporated
    As CLEARPATH FINANCE LIMITED
  14. 2016-09-07
    ➕
    DEVINE, Conor appointed
    director
  15. 2016-09-07
    ➕
    GIBBONS, James appointed
    director
  16. 2016-09-07
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

71/100
High — earn-out structure required

Material 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 62 — approaching natural succession window.
  • +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Gdp Partnership Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Gdp Partnership Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
CLEARPATH FINANCE LIMITED
This company · NI640658

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%
NameSharesVoting rightsNature of controlNotified
Gdp Partnership Limited
Corporate entity
75–100%
—75-100% shares · firm interest07/09/2016

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 · BT postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
SEOPA LTD→
NI046322 · est 2003
£34.63M
£25.18M–£44.07M
£32.38M—750023y9051y
WILLIS & COMPANY (INSURANCE BROKERS) LIMITED→
NI032004 · est 1997
£21.84M
£15.89M–£27.80M
——980029y8781y
LODGE FINANCIAL ADVICE LIMITED→
NI045612 · est 2003
£716.5k
£521.1k–£911.9k
——823y8361y
ACKER DEVELOPMENTS LIMITED→
NI028267 · est 1994 · no financials extracted
————32y8360y
CREATION CONSUMER FINANCE LIMITED→
NI032565 · est 1997 · no financials extracted
————28y8367y
CRN FINANCIAL SERVICES LIMITED→
NI018912 · est 1985
——£178.8k—40y8364y
DRUMBEARN LIMITED→
NI054292 · est 2005 · no financials extracted
————21y8360y
GDP PARTNERSHIP LIMITED→
NI605327 · est 2010
——£8.9k—15y8362y
INSURE I LIMITED→
NI072940 · est 2009
——£1.62M—16y8366y
M & D FINANCIAL MANAGEMENT LIMITED→
NI049794 · est 2004
———60022y8360y
MCGRADY FINANCIAL SERVICES LIMITED→
NI032133 · est 1997
——£215.7k—29y8360y
MORTGAGE IQ LIMITED→
NI056126 · est 2005
——£18.4k—20y8358y
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
Incorporated2016-09-07
Jurisdictionnorthern-ireland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

159 Durham Street
Belfast
Antrim
BT12 4GB
Northern Ireland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-20
Last: 2025-09-06

Officers (2 active · 0 resigned)

DEVINE, Conor→
director · ~49y · appointed 2016-09-07
View their other companies + combined net worth →
Active
GIBBONS, James→
director · ~62y · appointed 2016-09-07
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Recent filings (23 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-12-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-03-27
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-22
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-01-31
confirmation-statement-with-updates
confirmation-statement · CS01
2021-09-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-03-23
confirmation-statement-with-updates
confirmation-statement · CS01
2020-11-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-07
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-01-02
confirmation-statement-with-updates
confirmation-statement · CS01
2019-09-09