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Clever Adviser Technology Limited

02910523

active
ltd
england wales
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
0/30
Financial
40/40
Risk
  • Loss before tax (-10)
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)

Details

Watergate House, 85 Watergate Street, Chester, CH1 2LF
Incorporated 21/03/1994

Previously known as

Investments Direct Limited · until 16/02/2007

Compliance

Last accounts

31/03/2025

group

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 26/03/2026

Due 09/04/2027

On track

Industry

62090
Other information technology service activities

Officers

Mr Colum Graham Anthony Wilde

director · Since 21/03/1994

INVESTMENT ADVISER

BRITISH · UNITED KINGDOM · Age 68

Also on 5 other boards

Mr Simon Quiligotti

director · Since 20/08/2009

CHARTERED ACCOUNTANT

BRITISH · ENGLAND · Age 67

Also on 9 other boards

Mr Gary Antony Roberts

director · Since 21/08/2009

ACCOUNTANT

BRITISH · WALES · Age 54

Also on 5 other boards

Mr Stephen De Rycke

director · Since 21/08/2009

IT DIRECTOR

BRITISH · UNITED KINGDOM · Age 54

Also on 1 other board

Mr Henry Norman Shirman Phd

director · Since 21/08/2009

DIRECTOR

BRITISH · ENGLAND · Age 80

Also on 9 other boards

Mr Gary Antony Roberts

secretary · Since 21/08/2009

ACCOUNTANT

BRITISH · UNITED KINGDOM · Age 54

Also on 5 other boards

Mrs Nicola Cornish

director · Since 17/05/2012

OPERATIONS DIRECTOR

BRITISH · UNITED KINGDOM · Age 56

Also on 1 other board

Mr George James Cliff

director · Since 25/04/2023

DIRECTOR OF RESEARCH

BRITISH · WALES · Age 34

Also on 1 other board

Mrs Davinia Louise Rogers

director · Since 01/02/2026

BRITISH · ENGLAND · Age 47

Also on 1 other board

Colum Graham Anthony Wilde

director · Since 21/03/1994

British · United Kingdom · Age 68

Simon Quiligotti

director · Since 20/08/2009

British · England · Age 67

Stephen De Rycke

director · Since 21/08/2009

British · United Kingdom · Age 54

Gary Antony Roberts

secretary · Since 21/08/2009

British

Gary Antony Roberts

director · Since 21/08/2009

British · Wales · Age 54

Henry Norman Shirman

director · Since 21/08/2009

British · England · Age 80

Nicola Cornish

director · Since 17/05/2012

British · United Kingdom · Age 56

George James Cliff

director · Since 25/04/2023

British · Wales · Age 34

Davinia Louise Rogers

director · Since 01/02/2026

British · England · Age 47

Former

Swift Incorporations Limited

corporate nominee secretary · Resigned 21/03/1994

David Patrick Pickens

director · Resigned 23/01/1998

Thomas Anthony Mcgrail

secretary · Resigned 29/01/1998

Jacqueline Elizabeth Ann Boyd

secretary · Resigned 28/01/1999

Heather Margaret Swainston

secretary · Resigned 21/08/2009

Frank O'Donnell

director · Resigned 23/09/2010

Patrick Markham Boughton

director · Resigned 25/09/2024

Persons with Significant Control

Mr Colum Graham Anthony Wilde

Significant control

British · United Kingdom · Age 68

Watergate House, 85 Watergate Street, Chester, CH1 2LF

Notified 06/04/2016

Former PSCs

Mr Gary Antony Roberts

Ceased 03/12/2020

Mr Henry Norman Shirman

Ceased 03/12/2020

Mr Stephen De Rycke

Ceased 03/12/2020

Mr Simon Quiligotti

Ceased 03/12/2020

Mrs Nicola Cornish

Ceased 03/12/2020

Change History

statusactive
2026-06-04

Active

typeltd
2026-06-04

Private Limited Company

address line1Watergate House
2026-06-04

WATERGATE HOUSE

post townChester
2026-06-04

CHESTER

officer appointedROBERTS, Gary Antony
2026-06-04
officer appointedCLIFF, George James
2026-06-04
officer appointedCORNISH, Nicola
2026-06-04
officer appointedDE RYCKE, Stephen
2026-06-04
officer appointedQUILIGOTTI, Simon
2026-06-04
officer appointedROBERTS, Gary Antony
2026-06-04
officer appointedROGERS, Davinia Louise
2026-06-04
officer appointedSHIRMAN, Henry Norman
2026-06-04
officer appointedWILDE, Colum Graham Anthony
2026-06-04

CompanyRankvs 84860+ SIC 62090 peers
67

Financial strength98th percentile among SIC peers · 25/25
Employees16th percentile among SIC peers · 2/15
LiquidityCurrent ratio 9.15× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
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How is this score calculated?
Financial strength25/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees2/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity20/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity15/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Risk deductions

Going concern doubt: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Going Concern Doubt

any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the group's and parent company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue. Our responsibilities and the responsibilities of the directors with respect to

Key FinancialsYear ending 31/03/2025

Net Worth

£2.1M

Balance sheet strength

Cash

£1.7M

Cash in the bank

Profit Before Tax

-£554k

Bottom line earnings

Net Current Assets

£1.6M

Working capital

Current Assets

£1.8M

Current Liabilities

£199k

Fixed Assets

£480k

Debtors

£602k

Admin Expenses

£2.5M

Profit After Tax

-£415k

0avg. employees-23

People Costs

Wages & salaries£1.2M

Balance Sheet

Intangible assets£9k
Assets less current liabilities£2.1M
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
20259.15+£985k
20245.78-£429k
20238.86-£280k
20225.88+£894k
20216.58+£439k
20204.52+£33k
20194.42

Derived from filed accounts. Not audited figures.