CALEB ROBERTS INSURANCE SERVICES LIMITED

🌳Matureactive
01590566 · ltd · incorporated 1981-10-12
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 Mar 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 75/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (50/100).

🏦

Refinance opportunity

8 live charges · 4 lenders · oldest 40.6y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 40.6 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — 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
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
16 officers (3 active, 16 linked, 14 with DOB)
88
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
134 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
77
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£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees72006600

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 (54 events)Click to expand
  1. 2025-10-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-08-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-07-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-06-16
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2023-05-24
    ➖
    FOX, Jeanette Rosemary resigned
    director
  6. 2022-12-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-08-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-12-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-11-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-10-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-05-29
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2017-12-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-12-20
    ➖
    OAKLEY, Robert Eric resigned
    director
  14. 2017-11-17
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2017-08-15
    ➕
    BROCK, Andrew James appointed
    director
  16. 2016-11-15
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2016-09-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2016-08-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  19. 2016-07-18
    ➖
    WILLIAMS, Ivor Geoffrey resigned
    secretary
  20. 2016-07-18
    ➖
    WILLIAMS, Ivor Geoffrey resigned
    director
  21. 2016-05-01
    ➕
    FOX, Jeanette Rosemary appointed
    director
  22. 2016-03-31
    ➖
    PODD, Clive Woodrooffe resigned
    director
  23. 2014-01-30
    🔒
    Charge registered #8
    Lender: Barclays Bank PLC
  24. 2010-11-01
    ➕
    OAKLEY, Robert Eric appointed
    director
  25. 2010-10-08
    ➖
    CLEAVES, Robert resigned
    director
  26. 2001-11-28
    ➕
    CLEAVES, Robert appointed
    director
  27. 2001-10-17
    🔓
    Charge satisfied #7
  28. 2001-10-17
    🔓
    Charge satisfied #3
  29. 2001-10-17
    🔓
    Charge satisfied #2
  30. 2001-08-17
    ➖
    THOMPSON, Gwendoline Joan resigned
    director
  31. 2001-04-30
    🔒
    Charge registered #7
    Lender: Hsbc Bank PLC
  32. 2001-01-31
    ➕
    CAMPBELL, Charles William appointed
    director
  33. 2001-01-31
    ➕
    CAMPBELL, Hugh Alistair appointed
    director
  34. 2001-01-31
    ➖
    DAVIES, Ruth Mary resigned
    secretary
  35. 2001-01-31
    ➕
    WILLIAMS, Ivor Geoffrey appointed
    secretary
  36. 2001-01-31
    ➖
    CAMPBELL, Christopher Paul Tudor resigned
    director
  37. 2001-01-31
    ➖
    DAVIES, Ruth Mary resigned
    director
  38. 2001-01-31
    ➕
    PODD, Clive Woodrooffe appointed
    director
  39. 2001-01-31
    ➕
    THOMPSON, Gwendoline Joan appointed
    director
  40. 2001-01-31
    ➕
    WILLIAMS, Ivor Geoffrey appointed
    director
  41. 1999-07-05
    🔒
    Charge registered #6
    Lender: Midland Bank PLC
  42. 1999-07-05
    🔒
    Charge registered #5
    Lender: Midland Bank PLC
  43. 1999-07-05
    🔒
    Charge registered #4
    Lender: Midland Bank PLC
  44. 1998-12-31
    ➖
    DAVIES, Andrew George resigned
    director
  45. 1995-07-28
    ➖
    EVANS, Michael John resigned
    director
  46. 1995-01-01
    ➕
    DAVIES, Andrew George appointed
    director
  47. 1994-04-07
    🔒
    Charge registered #3
    Lender: National Westminster Bank PLC
  48. 1994-01-01
    ➖
    ROBERTS, Sidney Stone resigned
    director
  49. 1993-01-01
    ➕
    EVANS, Michael John appointed
    director
  50. 1993-01-01
    ➕
    ROBERTS, Sidney Stone appointed
    director
Showing most recent 50 of 54 events

Owner dependency

68/100
High — earn-out structure required

Material 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 25 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

60/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 45 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 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Caleb Roberts Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Caleb Roberts Group Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
CALEB ROBERTS INSURANCE SERVICES LIMITED
This company · 01590566

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%
NameSharesVoting rightsNature of controlNotified
Caleb Roberts Group Limited
Corporate entity
75–100%
75–100%75-100% shares · 75-100% voting06/04/2016

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 →

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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
Incorporated1981-10-12
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance

Registered office

Wylcwm Place
Knighton
Powys
LD7 1AE

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-14
Last: 2025-07-31

Officers (3 active · 13 resigned)

BROCK, Andrew James→
director · ~57y · appointed 2017-08-15
View their other companies + combined net worth →
Active
CAMPBELL, Charles William→
director · ~56y · appointed 2001-01-31
View their other companies + combined net worth →
Active
CAMPBELL, Hugh Alistair→
director · ~56y · appointed 2001-01-31
View their other companies + combined net worth →
Active
DAVIES, Ruth Mary→
secretary · resigned 2001-01-31
Resigned
WILLIAMS, Ivor Geoffrey→
secretary · appointed 2001-01-31 · resigned 2016-07-18
Resigned
CAMPBELL, Christopher Paul Tudor→
director · ~79y · resigned 2001-01-31
Resigned
CLEAVES, Robert→
director · ~72y · appointed 2001-11-28 · resigned 2010-10-08
Resigned
DAVIES, Andrew George→
director · ~66y · appointed 1995-01-01 · resigned 1998-12-31
Resigned
DAVIES, Ruth Mary→
director · ~82y · resigned 2001-01-31
Resigned
EVANS, Michael John→
director · ~70y · appointed 1993-01-01 · resigned 1995-07-28
Resigned
FOX, Jeanette Rosemary→
director · ~62y · appointed 2016-05-01 · resigned 2023-05-24
Resigned
OAKLEY, Robert Eric→
director · ~71y · appointed 2010-11-01 · resigned 2017-12-20
Resigned
PODD, Clive Woodrooffe→
director · ~72y · appointed 2001-01-31 · resigned 2016-03-31
Resigned
ROBERTS, Sidney Stone→
director · ~73y · appointed 1993-01-01 · resigned 1994-01-01
Resigned
THOMPSON, Gwendoline Joan→
director · ~75y · appointed 2001-01-31 · resigned 2001-08-17
Resigned
WILLIAMS, Ivor Geoffrey→
director · ~66y · appointed 2001-01-31 · resigned 2016-07-18
Resigned

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

Mortgages & charges

8
Total charges
4
Outstanding
2
Active lenders
Status:Lender:8 of 8 shown
TypeProperties
outstanding
Barclays
Barclays Bank PLC
A registered charge1 property30/01/2014—
satisfied
HSBC
Hsbc Bank PLC
Legal mortgage1 property30/04/200117/10/2001
outstanding
Midland Bank
Midland Bank PLC
Legal mortgage1 property05/07/1999—
outstanding
Midland Bank
Midland Bank PLC
Legal mortgage1 property05/07/1999—
outstanding
Midland Bank
Midland Bank PLC
Debenture1 property05/07/1999—
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property07/04/199417/10/2001
satisfied
National Westminster Bank
National Westminster Bank PLC
Mortgage debenture1 property19/11/198817/10/2001
satisfied
Barclays
Barclays Bank PLC
Debenture1 property06/12/198522/05/1989
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (134 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-13
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-12
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-25
termination-director-company-with-name-termination-date
officers · TM01
2023-06-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-09-03