S.MERRICK HILL (COMMERCIAL) LIMITED
🌳Matureactive
00937032 · ltd · incorporated 1968-08-09
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
72/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 72/100 (strong), bankability 77/100. 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 (50/100).
🏦
Refinance opportunity
8 live charges · 3 lenders · oldest 46.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 46.2 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 (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
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
19 officers (4 active, 19 linked, 15 with DOB)
86
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
22 connected companies via shared directors
90
Filing history
192 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
5
filings
- • 2 accounts
- • 2 other
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (70 events)Click to expand
- 2025-12-22📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-12-22📄legacyaccounts · PARENT_ACC
- 2025-12-22📄legacyother · AGREEMENT2
- 2025-12-22📄legacyother · GUARANTEE2
- 2025-03-05📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2025-03-03📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2025-01-10📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-01-10📄legacyaccounts · PARENT_ACC
- 2025-01-10📄legacyother · GUARANTEE2
- 2024-09-25📄legacyother · AGREEMENT2
- 2024-08-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-08-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-08-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-08-12➖MULLEY, Timothy John resigneddirector
- 2024-08-12➖ORGAN, Robert Charles William resigneddirector
- 2024-08-12➖THOMSON, Robin Cameron resigneddirector
- 2024-05-20📍change-sail-address-company-with-new-addressaddress · AD02
- 2024-04-13📄resolutionresolution · RESOLUTIONS
- 2024-04-13📄memorandum-articlesincorporation · MA
- 2024-04-13📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2024-04-13📄capital-name-of-class-of-sharescapital · SH08
- 2024-04-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-09📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-04-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-03-28➕SHOOSMITHS SECRETARIES LIMITED appointedcorporate-secretary
- 2024-03-28➕CLARK, Sean appointeddirector
- 2024-03-28➕HANNAN, Edward George Fitzgerald appointeddirector
- 2024-03-28➕LALLEY, Graeme Neal appointeddirector
- 2024-03-28➖DEATH, Truan James resignedsecretary
- 2024-03-28➖BLIGH, Daniel Joseph resigneddirector
- 2024-03-28➖NOTTINGHAM, Edward resigneddirector
- 2024-03-28➕ORGAN, Robert Charles William appointeddirector
- 2024-03-28➖STANNARD, Gary Michael resigneddirector
- 2024-03-28➕THOMSON, Robin Cameron appointeddirector
- 2023-08-24🔓Charge satisfied #8
- 2023-08-24🔓Charge satisfied #7
- 2023-08-24🔓Charge satisfied #3
- 2021-04-01➖MILLS, Stuart resigneddirector
- 2018-10-16➖LONG, Timothy Jonathan Adam resigneddirector
- 2012-04-16➕DEATH, Truan James appointedsecretary
- 2012-04-16➖MCKAY, Simon Ian William resignedsecretary
- 2012-04-16➖MCKAY, Simon Ian William resigneddirector
- 2011-08-31➕BLIGH, Daniel Joseph appointeddirector
- 2008-04-01➕NOTTINGHAM, Edward appointeddirector
- 2007-04-27➖EAGLEN, Andrew James resignedsecretary
- 2007-04-27➕MCKAY, Simon Ian William appointedsecretary
- 2007-04-27➖EAGLEN, Andrew James resigneddirector
- 2007-04-27➖LEEDER, David Anthony resigneddirector
Showing most recent 50 of 70 events
Owner dependency
50/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Scrutton Bland Insurance Brokers Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Scrutton Bland Insurance Brokers Limited
Corporate parent · holds 75-100% shares · board control
⬇
S.MERRICK HILL (COMMERCIAL) LIMITED
This company · 00937032
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 |
|---|---|---|---|---|
Scrutton Bland Insurance Brokers Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/10/2019 |
1 historic (ceased) PSC
- Scrutton Bland Financial Services Ltdceased 01/10/2019· 75-100% shares · 75-100% voting · board control
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 · IP postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 19TH HOLE INVESTMENTS LTD→ 16811939 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 24 MORTGAGE & FINANCIAL SERVICES LIMITED→ 16051755 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 4P PROPERTIES LTD→ 14746896 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AHP WEALTH MANAGEMENT LIMITED→ 05679346 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| ALL IN ONE FINANCE & PROPERTY LTD→ 16273521 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ALPHA INDEX LAB LIMITED→ 16081122 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ALPHABET CAPITAL LTD→ 09987840 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| AMAZONICA GROUP LTD→ 16401464 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AMPHIUS LIMITED→ 05596948 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ANDREW MILLS FINANCIAL SERVICES LIMITED→ 08929852 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ANDREW PENSION PLAN TRUSTEE LIMITED→ 15985925 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANI M HOLDINGS LTD→ 15399513 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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.
See pricing →Company details
Statusactive
Typeltd
Incorporated1968-08-09
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
Chancery House
Victoria Road
Diss
Norfolk
IP22 4HZ
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-12
Last: 2025-12-29
Officers (4 active · 15 resigned)
SHOOSMITHS SECRETARIES LIMITED→
Activecorporate-secretary · appointed 2024-03-28
View their other companies + combined net worth →
Active
HANNAN, Edward George Fitzgerald→
Activedirector · ~48y · appointed 2024-03-28
View their other companies + combined net worth →
LALLEY, Graeme Neal→
Activedirector · ~46y · appointed 2024-03-28
View their other companies + combined net worth →
DEATH, Truan James→
Resignedsecretary · appointed 2012-04-16 · resigned 2024-03-28
EAGLEN, Andrew James→
Resignedsecretary · resigned 2007-04-27
MCKAY, Simon Ian William→
Resignedsecretary · appointed 2007-04-27 · resigned 2012-04-16
BLIGH, Daniel Joseph→
Resigneddirector · ~46y · appointed 2011-08-31 · resigned 2024-03-28
BURRELL, John William→
Resigneddirector · ~91y · resigned 2002-02-22
EAGLEN, Andrew James→
Resigneddirector · ~82y · resigned 2007-04-27
LEEDER, David Anthony→
Resigneddirector · ~78y · resigned 2007-04-27
LONG, Timothy Jonathan Adam→
Resigneddirector · ~63y · appointed 2006-05-24 · resigned 2018-10-16
MCKAY, Simon Ian William→
Resigneddirector · ~74y · appointed 2006-05-24 · resigned 2012-04-16
MILLS, Stuart→
Resigneddirector · ~54y · appointed 2006-05-24 · resigned 2021-04-01
MULLEY, Timothy John→
Resigneddirector · ~57y · appointed 2004-10-28 · resigned 2024-08-12
NOTTINGHAM, Edward→
Resigneddirector · ~55y · appointed 2008-04-01 · resigned 2024-03-28
ORGAN, Robert Charles William→
Resigneddirector · ~57y · appointed 2024-03-28 · resigned 2024-08-12
STANNARD, Gary Michael→
Resigneddirector · ~64y · appointed 1997-03-27 · resigned 2024-03-28
THOMSON, Robin Cameron→
Resigneddirector · ~57y · appointed 2024-03-28 · resigned 2024-08-12
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
0
Outstanding
0
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 23/04/2007 | 24/08/2023 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 26/11/1990 | 24/08/2023 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 13/12/1989 | 26/05/2006 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 29/08/1986 | 26/05/2006 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 01/12/1983 | 14/06/2006 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 01/12/1983 | 24/08/2023 | |
| satisfied | Norwich General Trust | Legal charge | 1 property | 25/11/1983 | 26/05/2006 | |
| satisfied | Midland Bank Midland Bank PLC | Mortgage | 2 properties | 10/03/1980 | 26/05/2006 |
Recent filings (192 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-29
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-12-22
legacy
accounts · PARENT_ACC
2025-12-22
legacy
other · AGREEMENT2
2025-12-22
legacy
other · GUARANTEE2
2025-12-22
change-sail-address-company-with-old-address-new-address
address · AD02
2025-03-05
change-corporate-secretary-company-with-change-date
officers · CH04
2025-03-03
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-01-10
legacy
accounts · PARENT_ACC
2025-01-10
legacy
other · GUARANTEE2
2025-01-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-02
legacy
other · AGREEMENT2
2024-09-25
termination-director-company-with-name-termination-date
officers · TM01
2024-08-14
termination-director-company-with-name-termination-date
officers · TM01
2024-08-14
termination-director-company-with-name-termination-date
officers · TM01
2024-08-14