ANDREW COPELAND (INSURANCE CONSULTANTS) LIMITED

🌳Matureactive
01325898 · ltd · incorporated 1977-08-17
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 25.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£420.3k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 75-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 70/100. Strong seller-intent signal (63/100, director aged 75). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

5 live charges · oldest 25.7y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 25.7 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
9 officers (6 active, 9 linked, 8 with DOB)
88
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
125 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 101
Positive net assets
Net assets £420,310
Net assets shrinking
Down £13,624 YoY
Cash YoY
-4%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£279k
↓ 3.6% YoY
Net Worth
£420k
↓ 3.1% YoY
Current Assets
£530k
↑ 23% YoY
Current Liabilities
—
£0£106k£212k£318k£424k£530kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 101
Metric2024-12-312023-12-31
Total assets£420.3k£433.9k
Current assets£530.3k£431.4k
Cash£279.1k£289.5k
Debtors£251.2k£141.8k
Net assets£420.3k£433.9k

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 (31 events)Click to expand
  1. 2025-09-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2020-09-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-09-11
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2020-09-11
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  9. 2020-09-11
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2020-09-01
    ➕
    COPELAND, Donna Marilyn appointed
    director
  11. 2020-08-27
    ➖
    COPELAND, Andrew Robert resigned
    director
  12. 2019-09-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-06-21
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2018-09-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-08-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2018-08-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2018-08-10
    🔒
    Charge registered #5
    Lender: Barclays Bank PLC
  18. 2018-08-10
    🔒
    Charge registered #4
    Lender: Barclays Bank PLC
  19. 2017-12-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  20. 2017-12-14
    🔒
    Charge registered #3
    Lender: Barclays Bank PLC
  21. 2017-09-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2017-04-12
    ➕
    COPELAND, Andres James appointed
    director
  23. 2017-04-12
    ➕
    THOMAS, Sam appointed
    director
  24. 2016-06-20
    ➖
    FUDGER, Alex Robert resigned
    director
  25. 2002-01-02
    ➕
    FUDGER, Alex Robert appointed
    director
  26. 2000-09-05
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  27. 2000-08-24
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  28. 2000-08-18
    ➕
    THOMAS, Roy Harvey appointed
    director
  29. 1997-12-31
    ➖
    O'SULLIVAN, Paul Anthony resigned
    director
  30. 1993-06-04
    ➕
    O'SULLIVAN, Paul Anthony appointed
    director
  31. 1977-08-17
    🏢
    Company incorporated
    As ANDREW COPELAND (INSURANCE CONSULTANTS) LIMITED

Owner dependency

88/100
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
  • -5 active directors: Broader management team in place — suggests transferable governance.
  • +Founder name in company name: Company name contains director surname "COPELAND" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 75 — 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 candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 26 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

1 low
5 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Roy Harvey Thomas
Individual · British · DOB 02/1951 · age 75
——sig. influencesignificant influence30/06/2016
Mr Peter John Anson
Individual · British · DOB 01/1955 · age 71
——sig. influencesignificant influence30/06/2016
1 historic (ceased) PSC
  • Mr Andrew Robert Copelandceased 27/08/2020· significant influence

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

8 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
Incorporated1977-08-17
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

224 High Street
Beckenham
Kent
BR3 1EN
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-07-25
Last: 2025-07-11

Officers (6 active · 3 resigned)

ANSON, Peter John→
secretary
View their other companies + combined net worth →
Active
ANSON, Peter John→
director · ~71y
View their other companies + combined net worth →
Active
COPELAND, Andres James→
director · ~38y · appointed 2017-04-12
View their other companies + combined net worth →
Active
COPELAND, Donna Marilyn→
director · ~65y · appointed 2020-09-01
View their other companies + combined net worth →
Active
THOMAS, Roy Harvey→
director · ~75y · appointed 2000-08-18
View their other companies + combined net worth →
Active
THOMAS, Sam→
director · ~44y · appointed 2017-04-12
View their other companies + combined net worth →
Active
COPELAND, Andrew Robert→
director · ~75y · resigned 2020-08-27
Resigned
FUDGER, Alex Robert→
director · ~51y · appointed 2002-01-02 · resigned 2016-06-20
Resigned
O'SULLIVAN, Paul Anthony→
director · ~71y · appointed 1993-06-04 · resigned 1997-12-31
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

5
Total charges
5
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
Barclays
Barclays Bank PLC
A registered charge1 property10/08/2018—
outstanding
Barclays
Barclays Bank PLC
A registered charge1 property10/08/2018—
outstanding
Barclays
Barclays Bank PLC
A registered charge—14/12/2017—
outstanding
Barclays
Barclays Bank PLC
Legal charge1 property05/09/2000—
outstanding
Barclays
Barclays Bank PLC
Debenture1 property24/08/2000—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (125 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-17
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-30
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-17
appoint-person-director-company-with-name-date
officers · AP01
2020-09-11
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2020-09-11
termination-director-company-with-name-termination-date
officers · TM01
2020-09-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-16