BROWNLOW WEALTH MANAGEMENT LTD

💤Zombieactive
01311922 · ltd · incorporated 1977-05-02
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 58). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 16.8y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 16.8 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

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
8 officers (2 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
117 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Dec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31

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
0
filings
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2025-09-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2024-09-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2023-09-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2023-01-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-04-12
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2021-11-30
    ➖
    RUDD, Ian Napier resigned
    director
  7. 2021-10-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-07-09
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  9. 2021-07-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2020-12-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-03-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2020-03-27
    🔓
    Charge satisfied #1
  13. 2019-09-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-08-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-12-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2017-12-11
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  17. 2017-10-07
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2009-08-18
    🔒
    Charge registered #1
    Lender: Lloyds Tsb Bank PLC
  19. 2004-10-01
    ➕
    RUDD, James Napier appointed
    director
  20. 2004-02-12
    ➖
    RUDD, James Napier resigned
    director
  21. 2002-11-30
    ➖
    RUDD, Marianne resigned
    director
  22. 1998-07-26
    ➕
    RUDD, James Napier appointed
    director
  23. 1995-02-22
    ➕
    RUDD, James Napier appointed
    secretary
  24. 1995-02-22
    ➖
    RUDD, Ian Napier resigned
    secretary
  25. 1993-10-19
    ➕
    RUDD, Ian Napier appointed
    secretary
  26. 1993-10-19
    ➖
    RUDD, Rosalind resigned
    secretary
  27. 1993-10-19
    ➖
    RUDD, Rosalind resigned
    director
  28. 1993-05-14
    ➕
    RUDD, Marianne appointed
    director
  29. 1977-05-02
    🏢
    Company incorporated
    As BROWNLOW WEALTH MANAGEMENT LTD

Owner dependency

93/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

85/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 49 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr James Napier Rudd
Individual · British · DOB 07/1968 · age 58
50–75%
—50-75% shares03/08/2016

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 →

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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
Incorporated1977-05-02
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Piggeries 1 Widbury Barns
Widbury Hill
Ware
Herts
SG12 7QE
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-11
Last: 2025-09-27

Officers (2 active · 6 resigned)

RUDD, James Napier→
secretary · appointed 1995-02-22
View their other companies + combined net worth →
Active
RUDD, James Napier→
director · ~58y · appointed 2004-10-01
View their other companies + combined net worth →
Active
RUDD, Ian Napier→
secretary · appointed 1993-10-19 · resigned 1995-02-22
Resigned
RUDD, Rosalind→
secretary · resigned 1993-10-19
Resigned
RUDD, Ian Napier→
director · ~84y · resigned 2021-11-30
Resigned
RUDD, James Napier→
director · ~58y · appointed 1998-07-26 · resigned 2004-02-12
Resigned
RUDD, Marianne→
director · ~90y · appointed 1993-05-14 · resigned 2002-11-30
Resigned
RUDD, Rosalind→
director · ~80y · resigned 1993-10-19
Resigned

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
TypeProperties
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Debenture1 property18/08/200927/03/2020

Recent filings (117 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-09-26
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-08
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-09-26
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-27
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-09-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-22
termination-director-company-with-name-termination-date
officers · TM01
2022-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-04
change-account-reference-date-company-previous-extended
accounts · AA01
2021-07-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-07-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-22