CARMONEY LIMITED
🌳Matureactive
SC467274 · ltd · incorporated 2014-01-13
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 74/100 (strong), bankability 85/100. Strong seller-intent signal (68/100, director aged 79). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: 2 insolvency-related filings on record. Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 2.1y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 2.1 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (61/100)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
10 officers (2 active, 10 linked, 8 with DOB)
86
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
19 connected companies via shared directors
90
Filing history
69 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review 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 accounts
Counts from Companies House filing history.
Corporate timeline (44 events)Click to expand
- 2026-01-06📄accounts-with-accounts-type-fullaccounts · AA
- 2025-04-07📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2025-01-06📄accounts-with-accounts-type-fullaccounts · AA
- 2024-12-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-12-12🔓Charge satisfied #1
- 2024-09-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-20➖HOUSTON, Michael resigneddirector
- 2024-05-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-20➕HOUSTON, Michael appointeddirector
- 2024-05-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-05➖MAITH, Claire Elizabeth resigneddirector
- 2024-03-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-04🔒Charge registered #1Lender: Barclays Bank PLC
- 2024-02-23📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-02-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-01-11📄capital-cancellation-sharescapital · SH06
- 2024-01-11📄capital-allotment-sharescapital · SH01
- 2024-01-11📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2024-01-11📄legacycapital · SH20
- 2024-01-11⚠️legacyinsolvency · CAP-SS
- 2024-01-11📄resolutionresolution · RESOLUTIONS
- 2024-01-11📄capital-return-purchase-own-sharescapital · SH03
- 2023-10-18⚠️legacyinsolvency · CAP-SS
- 2023-10-18📄legacycapital · SH20
- 2023-10-17📄capital-allotment-sharescapital · SH01
- 2023-10-17📄capital-allotment-sharescapital · SH01
- 2023-10-17📄memorandum-articlesincorporation · MA
- 2023-10-17📄resolutionresolution · RESOLUTIONS
- 2021-08-13➖BARBER, Christopher Derek resigneddirector
- 2021-08-13➕MAITH, Claire Elizabeth appointeddirector
- 2020-12-16➖MCLELLAN, Colin Wilson resigneddirector
- 2020-12-01➕BARBER, Christopher Derek appointeddirector
- 2020-04-01➕MCLELLAN, Colin Wilson appointeddirector
- 2019-02-08➖REAY, Martin Paul resignedsecretary
- 2019-02-08➖REAY, Martin Paul resigneddirector
- 2018-10-29➕REAY, Martin Paul appointedsecretary
- 2018-10-29➕REAY, Martin Paul appointeddirector
- 2018-09-21➖MAITH, Claire resignedsecretary
- 2018-09-21➖MAITH, Claire resigneddirector
- 2014-01-13🏢Company incorporatedAs CARMONEY LIMITED
- 2014-01-13➕VARDY, Peter Daniel David appointeddirector
- 2014-01-13➕VARDY, Peter, Sir appointeddirector
- 2014-01-13➕MAITH, Claire appointedsecretary
- 2014-01-13➕MAITH, Claire appointeddirector
Owner dependency
81/100
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 age: Director aged approximately 79 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
79/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 12 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 high ·2 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2024-01-11: legacy; 2023-10-18: legacy
Group structure
Peter Vardy Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Peter Vardy Holdings Limited
Corporate parent · holds 75-100% shares
⬇
CARMONEY LIMITED
This company · SC467274
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Peter Vardy Holdings Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 31/12/2023 |
Mr Peter Daniel David Vardy Individual · British · DOB 06/1978 · age 48 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
2 historic (ceased) PSCs
- Sir Peter Vardyceased 01/04/2022· significant influence
- Mrs Claire Elizabeth Maithceased 21/09/2018· significant influence · firm interest
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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|---|---|---|---|---|---|---|---|
| ANNIE DUNCAN LTD.→ SC289895 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ARCHIBALD MACINNES AND COMPANY LIMITED→ SC031316 · est 1956 · no financials extracted | — | — | — | — | 70y | — | — |
| BRADLEY FINANCIAL PLANNING LTD→ SC573878 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CALEDONIA CAPITAL LIMITED→ SC719417 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CJ FINANCIAL MANAGEMENT LIMITED→ SC876542 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CJ JACKSON LTD→ SC880550 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CJS MORTGAGE & PROTECT LTD→ SC875524 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CLYDE FINANCIAL LTD→ SC764315 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CLYDEVALLEY FINANCIAL SOLUTIONS LIMITED→ SC336573 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| COLLINS FINANCIAL LTD.→ SC589497 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| CRAIG JOHNSTON ASSET MANAGEMENT LIMITED→ SC253561 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2014-01-13
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Pioneer House Renshaw Place
Holytown
Motherwell
ML1 4UF
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-22
Last: 2025-09-08
Officers (2 active · 8 resigned)
VARDY, Peter Daniel David→
Activedirector · ~48y · appointed 2014-01-13
View their other companies + combined net worth →
VARDY, Peter, Sir→
Activedirector · ~79y · appointed 2014-01-13
View their other companies + combined net worth →
MAITH, Claire→
Resignedsecretary · appointed 2014-01-13 · resigned 2018-09-21
REAY, Martin Paul→
Resignedsecretary · appointed 2018-10-29 · resigned 2019-02-08
BARBER, Christopher Derek→
Resigneddirector · ~48y · appointed 2020-12-01 · resigned 2021-08-13
HOUSTON, Michael→
Resigneddirector · ~40y · appointed 2024-05-20 · resigned 2024-09-20
MAITH, Claire Elizabeth→
Resigneddirector · ~41y · appointed 2021-08-13 · resigned 2024-05-05
MAITH, Claire→
Resigneddirector · ~41y · appointed 2014-01-13 · resigned 2018-09-21
MCLELLAN, Colin Wilson→
Resigneddirector · ~44y · appointed 2020-04-01 · resigned 2020-12-16
REAY, Martin Paul→
Resigneddirector · ~50y · appointed 2018-10-29 · resigned 2019-02-08
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Barclays Barclays Bank PLC | A registered charge | 1 property | 04/03/2024 | 12/12/2024 |
Recent filings (69 total)
accounts-with-accounts-type-full
accounts · AA
2026-01-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-25
change-account-reference-date-company-previous-extended
accounts · AA01
2025-04-07
accounts-with-accounts-type-full
accounts · AA
2025-01-06
mortgage-satisfy-charge-full
mortgage · MR04
2024-12-12
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-30
termination-director-company-with-name-termination-date
officers · TM01
2024-09-30
appoint-person-director-company-with-name-date
officers · AP01
2024-05-23
termination-director-company-with-name-termination-date
officers · TM01
2024-05-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-12
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-02-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-02-22
capital-cancellation-shares
capital · SH06
2024-01-11
capital-allotment-shares
capital · SH01
2024-01-11
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2024-01-11