DUNCAN CLARK (INSURANCE BROKERS) LIMITED
🌳Matureactive
01463306 · ltd · incorporated 1979-11-27
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
—
year to Dec 2024
Net worth
£132.6k
book net assets
Opportunity
81/100
Exceptional
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 78-year-old founder — textbook succession opportunity.
Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 78). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (76/100)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
Confirmed no charges registered
85
Directors & officers
9 officers (4 active, 9 linked, 6 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
115 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £132,576
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£133k
↑ 1.5% YoY
Current Assets
£160k
↓ 1.7% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £132.6k | £130.7k |
| Current assets | £160.2k | £162.9k |
| Net assets | £132.6k | £130.7k |
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
1
filing
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-02-26📄change-person-director-companyofficers · CH01
- 2025-12-08➖CLARK, Robert Edmondston resigneddirector
- 2025-12-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-14📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-10📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-08-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-14📄termination-director-companyofficers · TM01
- 2022-04-05📄capital-cancellation-sharescapital · SH06
- 2022-04-05📄capital-return-purchase-own-sharescapital · SH03
- 2022-03-01➖LAWRENCE, Robert Charles resigneddirector
- 2021-09-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-09-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-04-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-07-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-23📄capital-allotment-sharescapital · SH01
- 2017-01-27➕O'NEILL, Richard Terence appointeddirector
- 2011-04-08➕GARRETT, Peter appointedsecretary
- 2011-04-08➖CLARK, Robert Edmondston resignedsecretary
- 2007-07-01➕WRIGHT, Ken appointeddirector
- 2005-05-20➕CLARK, Robert Edmondston appointedsecretary
- 2005-05-20➖DUNCAN, John Stuart resignedsecretary
- 2005-05-20➖DUNCAN, John Stuart resigneddirector
- 1979-11-27🏢Company incorporatedAs DUNCAN CLARK (INSURANCE BROKERS) LIMITED
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 78 — succession pressure is live.
Succession & seller-readiness
83/100
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 78 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 19 years.
- secondaryStable-but-static management: Company is 47 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Peter Garrett Individual · British · DOB 10/1948 · age 78 | 25–50% | — | 25-50% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| EQUITY SPARK LTD→ 08673809 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
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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
Incorporated1979-11-27
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
Kestrel House
Primett Road
Stevenage
Hertfordshire
SG1 3EE
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-07-31
Last: 2025-07-17
Officers (4 active · 5 resigned)
Active
Active
O'NEILL, Richard Terence→
Activedirector · ~59y · appointed 2017-01-27
View their other companies + combined net worth →
Active
CLARK, Robert Edmondston→
Resignedsecretary · appointed 2005-05-20 · resigned 2011-04-08
DUNCAN, John Stuart→
Resignedsecretary · resigned 2005-05-20
CLARK, Robert Edmondston→
Resigneddirector · ~76y · resigned 2025-12-08
DUNCAN, John Stuart→
Resigneddirector · ~89y · resigned 2005-05-20
LAWRENCE, Robert Charles→
Resigneddirector · ~79y · resigned 2022-03-01
Click a director name to see their full track record across all companies.
Recent filings (115 total)
change-person-director-company
officers · CH01
2026-02-26
termination-director-company-with-name-termination-date
officers · TM01
2025-12-08
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-17
change-person-director-company-with-change-date
officers · CH01
2025-02-14
change-person-director-company-with-change-date
officers · CH01
2025-02-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-12
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-25
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-12
termination-director-company-with-name-termination-date
officers · TM01
2022-08-31
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-04
termination-director-company
officers · TM01
2022-04-14
capital-cancellation-shares
capital · SH06
2022-04-05