BACKHOUSE INSURANCE BROKERS LIMITED

🌳Matureactive

00304106 · ltd · incorporated 1935-08-15

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 Jun 2025

Net worth

£1.07M

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Non-life insurance

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 91-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (73/100, director aged 91). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -32% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

3 live charges · oldest 58.7y

45/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 58.7 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (81/100)

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

Lenders & charges

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

Directors & officers

16 officers (6 active, 16 linked, 11 with DOB)

Ownership & PSC

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

Director network

8 connected companies via shared directors

Filing history

130 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

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

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £1,070,456

Cash YoY

-32%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£2.6m

↓ 32% YoY

Net Worth

£1.1m

~ YoY

Current Assets

£4.2m

↓ 33% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-06-30	2024-06-30
Total assets	£1.07M	£1.06M
Current assets	£4.18M	£6.27M
Cash	£2.64M	£3.91M
Debtors	£1.54M	£2.35M
Net assets	£1.07M	£1.06M

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

🔒Filing-note intelligence

2 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

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (47 events)Click to expand

2025-12-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-12
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-09-09
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-09-09
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-07-23
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-23
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-23
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-23
🔓
Charge satisfied #3
2025-07-23
🔓
Charge satisfied #2
2025-07-23
🔓
Charge satisfied #1
2025-07-02
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2025-07-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-07-02
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-07-01
➕
COCKBURN-PRICE, David Charles appointed
secretary
2025-07-01
➕
COCKBURN-PRICE, David Charles appointed
director
2025-07-01
➖
COLLINGE, Susan Louise resigned
secretary
2025-07-01
➖
COLLINGE, Susan Louise resigned
director
2025-01-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-04
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-03-28
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2023-03-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-03-28
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2023-03-15
➕
COLLINGE, Susan Louise appointed
secretary
2023-03-15
➕
COLLINGE, Susan Louise appointed
director
2023-03-15
➖
HANNAH, David resigned
director
2023-03-07
➖
HANNAH, David resigned
secretary
2023-01-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-01
➕
DALZIELL, Ian Warwick appointed
director
2020-04-02
➖
BARNES, Peter Thomas resigned
director
2018-12-05
➕
BACKHOUSE, John Steven William appointed
director
2013-12-31
➖
NOLAN, Robert Alexander resigned
director
2011-01-01
➕
BARDSLEY, Christopher James appointed
director
2008-01-15
➕
HANNAH, David appointed
director
2004-10-24
➕
HANNAH, David appointed
secretary
2004-10-23
➖
LEACH, Peter Charles resigned
secretary
2001-10-05
➖
DENWOOD, Jean resigned
secretary
2001-10-05
➕
LEACH, Peter Charles appointed
secretary
2001-08-24
➖
CHATTERTON, Paul James resigned
director
2001-03-01
➕
BARNES, Peter Thomas appointed
director
1997-07-01
➖
COLLINS, Kenneth George resigned
director
1981-08-18
🔒
Charge registered #3
Lender: Barclays Bank PLC
1972-03-02
🔒
Charge registered #2
Lender: Barclays Bank PLC
1967-09-22
🔒
Charge registered #1
Lender: Barclays Bank PLC
1935-08-15
🏢
Company incorporated
As BACKHOUSE INSURANCE BROKERS LIMITED

Owner dependency

88/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder name in company name: Company name contains director surname "BACKHOUSE" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 91 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

73/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 91 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 15 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

2 med ·

2 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: COLLINGE, Susan Louise resigned 2025-07-01; COLLINGE, Susan Louise resigned 2025-07-01

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.

Group structure

Steven Backhouse Group Of Companies Limited (The) is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Steven Backhouse Group Of Companies Limited (The)

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

BACKHOUSE INSURANCE BROKERS LIMITED

This company · 00304106

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%

Name	Shares	Voting rights	Nature of control	Notified
Steven Backhouse Group Of Companies Limited (The) Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	09/09/2025

1 historic (ceased) PSC

Mrs Shirley Russell Backhouseceased 09/09/2025· 75-100% shares · board control · trust 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

Active · Financial services · BB postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AJ LEGACY INVESTMENTS LIMITED→ 16729457 · est 2025 · no financials extracted	—	—	—	—	—	—	—
APPLEGATE IST LTD→ 14792835 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
ASAF LENDING LTD→ 10331703 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
BACKHOUSE INDEPENDENT FINANCIAL SERVICES LIMITED→ 01140032 · est 1973 · no financials extracted	—	—	—	—	52y	—	—
BALANCE FIX LIMITED→ 16337951 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
BISHOPS FINANCIAL PLANNING LIMITED→ 09500459 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
BLACKLEDGE MORTGAGE SERVICES LIMITED→ 11985670 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
BOWLAND GROUP LIMITED→ 04566167 · est 2002 · no financials extracted	—	—	—	—	23y	—	—
BSAL TRADING LIMITED→ 10717384 · est 2017 · no financials extracted	—	—	—	—	9y	—	—
BURNLEY SAVINGS AND LOANS LIMITED→ 07640762 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
BURNLEY TYRE & BATTERY LIMITED→ 03306657 · est 1997 · no financials extracted	—	—	—	—	29y	—	—
BUSINESS ONE PAGE PLAN LTD→ 08055201 · est 2012 · no financials extracted	—	—	—	—	13y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

7 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

Incorporated1935-08-15

Jurisdictionengland-wales

Primary SIC65120 — Non-life insurance

Registered office

Oakmount House

7-9 Carrside

Nelson

Lancashire

BB9 6RX

England

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2027-05-09

Last: 2026-04-25