JAMES TRICKETT & SON (INSURANCES) LIMITED
🌳Matureactive
00587444 · ltd · incorporated 1957-07-17
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 41.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueActive trading company with a 79-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 80/100. Strong seller-intent signal (68/100, director aged 79). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · oldest 41.4y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 41.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 4 with DOB)
80
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
119 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Total assets | — | £740.3k |
| Current assets | — | £314.8k |
| Cash | — | £306.4k |
| Debtors | — | £8.4k |
| Net assets | — | £734.5k |
| Average employees | 11 | — |
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
0
filings
Last 90 days
0
filings
Last 180 days
5
filings
- • 2 officers
- • 2 persons-with-significant-control
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
- 2026-02-04📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-29📄change-person-secretary-company-with-change-dateofficers · CH03
- 2026-01-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-01-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-10📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-15📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-10📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-06-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-10-05📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-09-29📄change-person-director-company-with-change-dateofficers · CH01
- 2023-09-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-29📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-01-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-01-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2016-02-01➕PACKMAN, Janine appointeddirector
- 2012-10-01➕SHADLOCK, Norma Jane appointedsecretary
- 2012-10-01➖REGAN, Diane resignedsecretary
- 2007-02-01🔒Charge registered #3Lender: Barclays Bank PLC
- 2001-04-11➖SHADLOCK, Vera resigneddirector
- 2001-04-05➖SHADLOCK, James William resigneddirector
- 1998-02-20➖CHARLTON, Cynthia resignedsecretary
- 1998-02-20➕REGAN, Diane appointedsecretary
- 1996-11-19➕CHARLTON, Cynthia appointedsecretary
- 1996-11-19➖MAITLAND, Frank resignedsecretary
- 1987-12-03🔒Charge registered #2Lender: Barclays Bank PLC
- 1985-02-19🔒Charge registered #1Lender: Barclays Bank PLC
- 1957-07-17🏢Company incorporatedAs JAMES TRICKETT & SON (INSURANCES) LIMITED
Owner dependency
73/100
High — earn-out structure requiredMaterial 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.
- +Founder age: Director aged approximately 79 — succession pressure is live.
Succession & seller-readiness
81/100
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.
- secondaryStable-but-static management: Company is 69 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Norma Jane Shadlock Individual · English · DOB 10/1955 · age 71 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/09/2016 |
Mr Roger James Shadlock Individual · British · DOB 11/1947 · age 79 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Janine Packman Individual · British · DOB 02/1980 · age 46 | — | — | sig. influencesignificant influence | 10/01/2023 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · BB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| HTS ASSET HOLDINGS LIMITED→ 16281080 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| KNN LIMITED→ 12153128 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| LANCE MASON FS LTD→ 10086628 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| LAURA HIGGINSON FINANCIAL PLANNING LTD→ 14261109 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| LD H&S SECURITY RISK LTD→ 14336558 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| LEDASI→ 16595401 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| LN MORTGAGE SOLUTIONS LTD→ 15820274 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| LSC CAPITAL LIMITED→ 09739557 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| LSC FINANCE LTD→ 08185244 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| LUTSCHG FINANCIAL INVESTMENTS LTD→ 10322960 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| M16 INVESTMENTS LIMITED→ 13254975 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| MACHINERY FINANCE LIMITED→ 07080496 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
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
Incorporated1957-07-17
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
11 Bank Street Rawtenstall
Rossendale
Lancashire
BB4 6QS
England
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2027-01-03
Last: 2025-12-20
Officers (3 active · 5 resigned)
SHADLOCK, Norma Jane→
Activesecretary · appointed 2012-10-01
View their other companies + combined net worth →
PACKMAN, Janine→
Activedirector · ~46y · appointed 2016-02-01
View their other companies + combined net worth →
Active
CHARLTON, Cynthia→
Resignedsecretary · appointed 1996-11-19 · resigned 1998-02-20
MAITLAND, Frank→
Resignedsecretary · resigned 1996-11-19
REGAN, Diane→
Resignedsecretary · appointed 1998-02-20 · resigned 2012-10-01
SHADLOCK, James William→
Resigneddirector · ~117y · resigned 2001-04-05
SHADLOCK, Vera→
Resigneddirector · ~116y · resigned 2001-04-11
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 01/02/2007 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 03/12/1987 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 19/02/1985 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (119 total)
change-person-director-company-with-change-date
officers · CH01
2026-02-04
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-03
change-person-secretary-company-with-change-date
officers · CH03
2026-01-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-10
change-person-director-company-with-change-date
officers · CH01
2025-11-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-15
change-person-director-company-with-change-date
officers · CH01
2025-10-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-08
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-12-10