COTSON REDDISH & COMPANY (INSURANCE BROKERS) LIMITED
🌳Matureactive
01184957 · ltd · incorporated 1974-09-24
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 29.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£278.5k
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 85-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (63/100, director aged 85). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 29.6y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 29.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (79/100)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
4 officers (4 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
94 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £278,544
Cash YoY
+3%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£87k
↑ 2.7% YoY
Net Worth
£279k
↑ 4.7% YoY
Current Assets
£106k
↑ 15% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £278.5k | £266.0k |
| Current assets | £105.9k | £92.2k |
| Cash | £87.5k | £85.2k |
| Net assets | £278.5k | £266.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2026-02-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-02-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-01-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-05-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-05-18🔓Charge satisfied #1
- 2021-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-04-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-05-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 1996-10-18🔒Charge registered #1Lender: Lloyds Bank PLC
- 1994-05-28➕COTSON, Andrew appointeddirector
- 1974-09-24🏢Company incorporatedAs COTSON REDDISH & COMPANY (INSURANCE BROKERS) LIMITED
Owner dependency
98/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Founder name in company name: Company name contains director surname "COTSON" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 85 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
90/100
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 85 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 52 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Cotson Individual · British · DOB 05/1969 · age 57 | 75–100% | — | 75-100% shares | 19/08/2021 |
2 historic (ceased) PSCs
- Mrs Sandra Cotsonceased 19/08/2021· 25-50% shares · 25-50% voting · board control
- Mr Derek Cotsonceased 19/08/2021· 25-50% shares · 25-50% 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 · BD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CORTEX WEALTH MANAGEMENT LTD→ 06977998 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CREDIT AND SURETY BROKERS LIMITED→ 16972077 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CRYPTOMAL LIMITED→ 16170187 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CYBORG FINANCE LIMITED→ 12131863 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| D-CINNAMON INT'L LIMITED→ 14464288 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DALLAS SCOTT DAVEY LTD→ 13619222 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| DALLAS WILDING DREW LTD→ 13128315 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| DARYL SPENCER CONSULTING LTD→ 09543909 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| DAVIS WEALTH MANAGEMENT LIMITED→ 11312603 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| DAY & CO MORTGAGE SERVICES LIMITED→ 12093100 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| DE GROUP ( YORKSHIRE) LIMITED→ 13537251 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| DEAN AND CO MORTGAGES LTD→ 16669909 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated1974-09-24
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
The Old Bank
1 Albert Rd, Saltaire
Shipley
West Yorkshire
BD18 4NR
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-01-29
Last: 2026-01-15
Officers (4 active · 0 resigned)
Active
COTSON, Andrew→
Activedirector · ~57y · appointed 1994-05-28
View their other companies + combined net worth →
Active
Active
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 | Lloyds Banking Group Lloyds Bank PLC | Mortgage deed | 1 property | 18/10/1996 | 18/05/2021 |
Recent filings (94 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-28
confirmation-statement-with-updates
confirmation-statement · CS01
2022-02-21
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-02-21
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-02-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-01-27
mortgage-satisfy-charge-full
mortgage · MR04
2021-05-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-29