A.BILBROUGH & CO.LIMITED

🌳Matureactive

00116377 · ltd · incorporated 1911-06-16

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.

Why now

Window steady · low confidence

Steady and tidy — no seller pressure yet. Approach only if an angle opens.

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Other activities auxiliary to insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 79/100 (strong), bankability 72/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 44.4y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 44.4 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 38/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (57/100)

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

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

27 officers (7 active, 27 linked, 20 with DOB)

Ownership & PSC

2 active PSC(s) of 3 total, 3 with control declared

Director network

2 connected companies via shared directors

Filing history

192 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (66 events)Click to expand

2025-11-21
📄
accounts-with-accounts-type-full
accounts · AA
2025-09-01
📄
capital-cancellation-shares
capital · SH06
2025-09-01
📄
legacy
miscellaneous · ANNOTATION
2025-09-01
📄
capital-return-purchase-own-shares
capital · SH03
2025-08-20
📄
capital-cancellation-shares
capital · SH06
2025-08-12
📄
capital-cancellation-shares
capital · SH06
2025-07-02
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-07-02
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-07-02
📄
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2025-05-28
📄
capital-directors-statement-auditors-report
capital · SH30
2025-05-16
📄
resolution
resolution · RESOLUTIONS
2024-12-02
📄
accounts-with-accounts-type-full
accounts · AA
2024-11-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-11-22
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-11-04
➕
BEAN, James Christopher Lewis appointed
director
2024-11-04
➖
GOOCH, Ian Edward resigned
director
2024-04-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-07
➖
ROBERTS, Stephen resigned
director
2023-11-22
📄
accounts-with-accounts-type-full
accounts · AA
2023-11-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-11-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-10-17
➕
SEDLMEYR, Josef appointed
director
2023-10-17
➖
SEDLMEYR, Josef resigned
director
2023-03-08
📄
capital-return-purchase-own-shares
capital · SH03
2023-02-27
📄
capital-cancellation-shares
capital · SH06
2023-02-15
📄
resolution
resolution · RESOLUTIONS
2023-02-15
📄
memorandum-articles
incorporation · MA
2022-04-19
➕
HAMMAN, Cassie Jacobus appointed
director
2019-10-31
➕
JONES, Anthony Graham appointed
secretary
2019-10-31
➖
OSBORN, Denise Anne resigned
secretary
2016-10-04
➖
JONES, Anthony Graham resigned
secretary
2016-10-04
➕
OSBORN, Denise Anne appointed
secretary
2016-06-02
➖
AVIGDOR, Sharon Joy resigned
secretary
2016-06-02
➕
JONES, Anthony Graham appointed
secretary
2014-03-21
➖
HILL, Michael Dennis Mclean resigned
director
2014-02-20
➕
TOGGWILER, Reto appointed
director
2012-03-09
➖
FERGUSON, Ian Alastair Maitland resigned
director
2010-02-20
➕
BARR, Ian Wylie, Mr. appointed
director
2009-04-03
➖
HINTON, Paul Stuart resigned
director
2008-08-22
➕
AVIGDOR, Sharon Joy appointed
secretary
2008-08-22
➖
LYNCH, Mark Robert resigned
secretary
2008-02-20
➕
PAUL, Iain appointed
director
2008-02-20
➕
ROBERTS, Stephen appointed
director
2007-02-20
➖
JOHNSON, Lance Lewin resigned
director
2006-09-30
➖
SAUL, Thomas James Bycroft resigned
director
2003-02-20
➕
GOOCH, Ian Edward appointed
director
2002-08-31
🔓
Charge satisfied #3
2002-08-31
🔓
Charge satisfied #1
2002-07-24
➖
JONES, Anthony Graham resigned
secretary
2002-07-24
➕
LYNCH, Mark Robert appointed
secretary

Showing most recent 50 of 66 events

Owner dependency

58/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

60/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Iain Paul Individual · British · DOB 12/1973 · age 53	25–50%	25–50%	25-50% shares · 25-50% voting	19/06/2025
Mr Anthony Graham Jones Individual · British · DOB 02/1965 · age 61	25–50%	25–50%	25-50% shares · 25-50% voting	19/06/2025

1 historic (ceased) PSC

London Steamship Owners' Mutual Insurance Association Ltdceased 31/01/2023· 25-50% shares

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 →

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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.

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Company details

Statusactive

Typeltd

Incorporated1911-06-16

Jurisdictionengland-wales

Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

50 Leman Street

London

E1 8HQ

Filing status

Accounts

Next due: 2026-11-20

Last made up to: 2025-02-20

Confirmation statement

Next due: 2027-01-05

Last: 2025-12-22