U K INSURANCE LIMITED

🌳Matureactive

01179980 · ltd · incorporated 1974-08-06

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

80/100

Exceptional

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What this business does

Primary activity: Non-life insurance

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 79-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 77/100. Strong seller-intent signal (73/100, director aged 79). 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 21.8y

35/100

too messy

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

· Oldest live charge is 21.8 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 (58/100)

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

97 officers (12 active, 97 linked, 91 with DOB)

Ownership & PSC

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

Director network

4 connected companies via shared directors

Filing history

407 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

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

filing

• 1 officers

Last 90 days

filings

• 1 officers
• 1 confirmation-statement
• 1 mortgage

Last 180 days

filings

• 7 miscellaneous
• 2 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (203 events)Click to expand

2026-06-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-06-23
➕
CLUBE, Joanne Elizabeth appointed
director
2026-06-09
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-06-09
🔓
Charge satisfied #3
2026-06-08
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2026-04-21
📄
accounts-with-accounts-type-full
accounts · AA
2026-04-08
📄
legacy
miscellaneous · ANNOTATION
2026-04-08
📄
legacy
miscellaneous · ANNOTATION
2026-04-08
📄
legacy
miscellaneous · ANNOTATION
2026-04-08
📄
legacy
miscellaneous · ANNOTATION
2026-04-08
📄
legacy
miscellaneous · ANNOTATION
2026-04-08
📄
legacy
miscellaneous · ANNOTATION
2026-04-08
📄
legacy
miscellaneous · ANNOTATION
2026-03-19
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-03-09
➖
POND, Stephen Forder resigned
director
2025-12-30
📄
legacy
miscellaneous · RP01SH01
2025-12-23
📄
capital-allotment-shares
capital · SH01
2025-11-25
📄
auditors-resignation-company
auditors · AUD
2025-11-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-10
➕
ADAMSON, Jane Elizabeth appointed
director
2025-07-30
📄
change-corporate-secretary-company-with-change-date
officers · CH04
2025-07-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-07-03
➕
AVIVA COMPANY SECRETARIAL SERVICES LIMITED appointed
corporate-secretary
2025-07-03
➖
CLIFTON, Roger Cheston resigned
secretary
2025-07-01
➕
ARONSON, Rees appointed
director
2025-07-01
➕
CLARK, Chris appointed
director
2025-07-01
➕
CLARK, Ian appointed
director
2025-07-01
➕
FRY, Fiona appointed
director
2025-07-01
➕
HARIA, Deepak appointed
director
2025-07-01
➕
JONES, Charlotte Claire appointed
director
2025-07-01
➕
NESTARES, Cristina appointed
director
2025-07-01
➕
SCOTT, Wesley appointed
director
2025-07-01
➕
STORAH, Jason Philip appointed
director
2025-07-01
➖
CORRIGAN, Tracy Joan resigned
director
2025-07-01
➖
GRAY, Danuta resigned
director
2025-07-01
➖
GREGORY, Mark Julian, Mr resigned
director
2025-07-01
➖
HAGH, Carol resigned
director
2025-07-01
➖
JOSEPH, Adrian Christopher resigned
director
2025-07-01
➖
LEWIS, Mark Peter resigned
director
2025-07-01
➖
MCBAIN, Fiona Catherine resigned
director
2025-07-01
➖
NEAVE, David Stanley resigned
director
2025-07-01
➕
POND, Stephen Forder appointed
director
2025-07-01
➖
POOLE, Jane Carmel resigned
director
2025-07-01
➖
STEWART, Gregor Ninian resigned
director

Showing most recent 50 of 203 events

Owner dependency

63/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-11 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 79 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

60/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Direct Line Insurance Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Direct Line Insurance Group Limited

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

ultimate parent

⬇

U K INSURANCE LIMITED

This company · 01179980

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
Direct Line Insurance Group Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	06/04/2016

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 · LS postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
CHRIS SOUTH EQUITY RELEASE SPECIALIST LTD→ 11450617 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
CREATIVE FINANCIAL SERVICES LTD→ 15538710 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
CROSSFADER INVESTMENTS LTD→ 12984841 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
CRYSTAL COVER LEEDS LTD→ 09170042 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
CUMBERLAND INVESTMENTS LIMITED→ 10427412 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
CYSTAR INSURANCE SERVICES LIMITED→ 05118839 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
D C G FINANCIAL PLANNING SOLUTIONS LTD→ 09355519 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
DANSHO LTD→ 10381020 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
DAVID JOY→ 07068505 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
DAVID ROBERTS INVESTMENTS LIMITED→ 04604515 · est 2002 · no financials extracted	—	—	—	—	23y	—	—
DBA WEALTH MANAGEMENT LTD→ 06612806 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
DEAN SYKES HOLDINGS LIMITED→ 11087102 · est 2017 · no financials extracted	—	—	—	—	8y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated1974-08-06

Jurisdictionengland-wales

Primary SIC65120 — Non-life insurance

Registered office

The Wharf

Neville Street

Leeds

LS1 4AZ

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2027-06-13

Last: 2026-05-30