BROWNHILL INSURANCE GROUP LIMITED
🌳Matureactive
01488763 · ltd · incorporated 1980-04-01
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 32.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueActive trading company with a 61-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 61). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
4 live charges · 2 lenders · oldest 32.3y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 32.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · 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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
11 officers (7 active, 11 linked, 9 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
148 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 30 | 2800 |
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
14
filings
- • 12 officers
- • 1 confirmation-statement
- • 1 address
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
- 2026-03-05📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-05📄change-person-secretary-company-with-change-dateofficers · CH03
- 2026-03-05📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-02📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-27📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-27📄change-person-secretary-company-with-change-dateofficers · CH03
- 2026-02-27📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-02-26📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-26📄change-person-secretary-company-with-change-dateofficers · CH03
- 2026-02-24📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-23📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-24➕JEFFERIES, Ethan James appointeddirector
- 2025-06-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-05📄change-person-director-company-with-change-dateofficers · CH01
- 2023-09-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-08-16➕PATON, James Donald Stuart appointeddirector
- 2020-04-02➖KELSH, Nigel Graham resigneddirector
- 2019-04-01➕HENDERSON, Ben Steven appointeddirector
- 2018-10-25🔓Charge satisfied #3
- 2018-10-25🔓Charge satisfied #2
- 2018-10-10🔓Charge satisfied #1
- 2017-01-01➕TOMMY, Gary Melvyn appointeddirector
- 2014-06-16➕KELSH, Nigel Graham appointeddirector
- 2012-03-30➕HENDERSON, Steven James appointeddirector
- 2012-03-30➖ANDREWS, Kevin resigneddirector
- 2009-06-29🔒Charge registered #4Lender: Gunlegal Limited
- 2005-09-27🔒Charge registered #3Lender: National Westminster Bank PLC
- 2004-03-17🔒Charge registered #2Lender: Gunlegal Limited
- 2003-02-01➕HENDERSON, Steven James appointedsecretary
- 2003-02-01➖BROWNHILL, Ena Roberta resignedsecretary
- 2003-02-01➖BROWNHILL, John Keith resigneddirector
- 1994-02-25🔒Charge registered #1Lender: National Westminster Bank PLC
- 1980-04-01🏢Company incorporatedAs BROWNHILL INSURANCE GROUP LIMITED
Owner dependency
56/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
53/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondary12+ year tenure: Director in role 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Brownhill Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Brownhill Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
BROWNHILL INSURANCE GROUP LIMITED
This company · 01488763
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 |
|---|---|---|---|---|
Brownhill Holdings 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
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|---|---|---|---|---|---|---|---|
| AVIATION FINANCE SOLUTIONS LIMITED→ 08278251 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| BACA LTD→ 10444135 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BHV FINANCIAL SERVICES LIMITED→ 14477559 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BIRCHALL GREGORY LTD→ 13161523 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BLUEBAY SECURITIES LIMITED→ 12127954 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BOXERFS LTD→ 14956525 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BRIGHT STAR INDUSTRIES LIMITED→ 15442767 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| BROLLY UK TECHNOLOGY LIMITED→ 10134039 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BROOKLANDS COMMERCIAL FINANCE LIMITED→ 04980852 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| BSH FINANCIAL LIMITED→ 11895000 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| BUGGY-INV LTD→ 13148893 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BURWOOD SAGE + BROOKRIDGE LTD→ 04162004 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated1980-04-01
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
2nd Floor Kent House
41 East Street
Bromley
Kent
BR1 1QQ
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-02-15
Last: 2026-02-01
Officers (7 active · 4 resigned)
HENDERSON, Steven James→
Activesecretary · appointed 2003-02-01
View their other companies + combined net worth →
HENDERSON, Ben Steven→
Activedirector · ~37y · appointed 2019-04-01
View their other companies + combined net worth →
Active
HENDERSON, Steven James→
Activedirector · ~61y · appointed 2012-03-30
View their other companies + combined net worth →
JEFFERIES, Ethan James→
Activedirector · ~32y · appointed 2025-06-24
View their other companies + combined net worth →
PATON, James Donald Stuart→
Activedirector · ~37y · appointed 2023-08-16
View their other companies + combined net worth →
TOMMY, Gary Melvyn→
Activedirector · ~60y · appointed 2017-01-01
View their other companies + combined net worth →
BROWNHILL, Ena Roberta→
Resignedsecretary · resigned 2003-02-01
ANDREWS, Kevin→
Resigneddirector · ~62y · resigned 2012-03-30
BROWNHILL, John Keith→
Resigneddirector · ~85y · resigned 2003-02-01
KELSH, Nigel Graham→
Resigneddirector · ~81y · appointed 2014-06-16 · resigned 2020-04-02
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
1
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Gunlegal Gunlegal Limited | Rent deposit deed | 1 property | 29/06/2009 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 27/09/2005 | 25/10/2018 | |
| satisfied | Gunlegal Gunlegal Limited | Rent deposit deed | 1 property | 17/03/2004 | 25/10/2018 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 25/02/1994 | 10/10/2018 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (148 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-06
change-person-director-company-with-change-date
officers · CH01
2026-03-05
change-person-secretary-company-with-change-date
officers · CH03
2026-03-05
change-person-director-company-with-change-date
officers · CH01
2026-03-05
change-person-director-company-with-change-date
officers · CH01
2026-03-02
change-person-director-company-with-change-date
officers · CH01
2026-02-27
change-person-secretary-company-with-change-date
officers · CH03
2026-02-27
change-person-director-company-with-change-date
officers · CH01
2026-02-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-27
change-person-director-company-with-change-date
officers · CH01
2026-02-26
change-person-secretary-company-with-change-date
officers · CH03
2026-02-26
change-person-director-company-with-change-date
officers · CH01
2026-02-24
change-person-director-company-with-change-date
officers · CH01
2026-02-23
change-person-director-company-with-change-date
officers · CH01
2026-02-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-01