BLUE SHIELD INSURANCE SERVICES LIMITED
🌳Matureactive
01164376 · ltd · incorporated 1974-03-25
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 44.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueActive trading company with a 67-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (63/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 44.5y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 44.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
8 officers (4 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
102 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 · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 800 | 900 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
0
filings
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-11-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-28📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-10-28📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-10-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-01-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-01-01➕GARRARD, Ellen appointeddirector
- 2024-01-01➕JAMES, Paul appointeddirector
- 2023-12-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-17➖GARRARD, William George resigneddirector
- 2023-10-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-12-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-08-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-08-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2009-07-30➕ALLEN, Lorraine Jayne appointedsecretary
- 2009-07-30➖GARRARD, Jennifer Helen resignedsecretary
- 2004-08-07🔓Charge satisfied #1
- 1999-04-01➕GARRARD, Jennifer Helen appointedsecretary
- 1999-04-01➖GARRARD, Joan Mary resignedsecretary
- 1995-03-31➖GARRARD, Joan Mary resigneddirector
- 1982-01-20🔒Charge registered #1Lender: Midland Bank LTD
- 1974-03-25🏢Company incorporatedAs BLUE SHIELD INSURANCE SERVICES 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
- +Founder age: Director aged approximately 67 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Boyd Stuart Garrard Individual · British · DOB 07/1959 · age 67 | 75–100% | — | 75-100% shares | 06/04/2016 |
2 historic (ceased) PSCs
- Mrs Joan Mary Garrardceased 08/07/2025· 25-50% shares
- Mr William George Garrardceased 08/07/2025· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
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|---|---|---|---|---|---|---|---|
| 97 GROUP LIMITED→ 13156739 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BRADNAM WEALTH MANAGEMENT (UK) LIMITED→ 07470266 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| BRIDGES INSURANCE BROKERS LIMITED→ 01066829 · est 1972 · no financials extracted | — | — | — | — | 53y | — | — |
| BRIX MORTGAGES LIMITED→ 16848589 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BROADSTAIRS COMPANY SECRETARIES LIMITED→ 08474849 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| C.S TRADING SOLUTIONS LTD→ 16658642 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| C&L FINEFFICIENCY LIMITED→ 14008975 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CANTERBURY CAPITAL LIMITED→ 07984823 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| CANTERBURY WEALTH MANAGEMENT LIMITED→ 12968605 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CARROLL & CARROLL LIMITED→ 01610554 · est 1982 · no financials extracted | — | — | — | — | 44y | — | — |
| CARROLL INSURANCE AND PROPERTIES LIMITED→ 07543586 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| CASEY JAMES MORTGAGES LTD→ 15814144 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated1974-03-25
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
7 Prospect Rd.
Hythe
Kent
CT21 5NS
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-29
Last: 2025-10-15
Officers (4 active · 4 resigned)
ALLEN, Lorraine Jayne→
Activesecretary · appointed 2009-07-30
View their other companies + combined net worth →
Active
GARRARD, Ellen→
Activedirector · ~63y · appointed 2024-01-01
View their other companies + combined net worth →
Active
GARRARD, Jennifer Helen→
Resignedsecretary · appointed 1999-04-01 · resigned 2009-07-30
GARRARD, Joan Mary→
Resignedsecretary · resigned 1999-04-01
GARRARD, Joan Mary→
Resigneddirector · ~93y · resigned 1995-03-31
GARRARD, William George→
Resigneddirector · ~102y · resigned 2023-10-17
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Midland Bank Midland Bank LTD | Legal charge | 1 property | 20/01/1982 | 07/08/2004 |
Recent filings (102 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-03
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-10-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-10-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-14
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-04
appoint-person-director-company-with-name-date
officers · AP01
2024-01-25
appoint-person-director-company-with-name-date
officers · AP01
2024-01-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-06
termination-director-company-with-name-termination-date
officers · TM01
2023-10-17
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-13
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-25