CARROLL & CARROLL LIMITED

🌳Matureactive
01610554 · ltd · incorporated 1982-02-01
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
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
£2.82M
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 85-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (78/100, director aged 85). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 42.0y

30/100
under pressure

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

  • · Oldest live charge is 42.0 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (80/100)

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 5 with DOB)
87
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
106 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.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £2,817,227
Net assets shrinking
Down £203,488 YoY
Cash YoY
-20%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£264k
↓ 20% YoY
Net Worth
£2.8m
↓ 6.7% YoY
Current Assets
£415k
↓ 15% YoY
Current Liabilities
—
£0£604k£1.2m£1.8m£2.4m£3.0mDec 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
Total assets£3.47M£3.41M
Current assets£414.9k£490.7k
Cash£263.6k£330.2k
Debtors£151.3k£160.5k
Net assets£2.82M£3.02M

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. 2025-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-09-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2021-12-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2020-12-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2020-04-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2019-08-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2018-09-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2017-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2016-09-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2015-09-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-08-24
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2014-09-26
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2014-09-04
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2012-02-01
    ➕
    CARROLL, Andrew Peter Lyon appointed
    director
  17. 2010-11-18
    🔓
    Charge satisfied #3
  18. 2010-11-18
    🔓
    Charge satisfied #2
  19. 2010-11-18
    🔓
    Charge satisfied #1
  20. 2010-10-01
    ➖
    NORRINGTON, Barry Kent resigned
    director
  21. 2010-01-15
    ➕
    NORRINGTON, Barry Kent appointed
    director
  22. 2010-01-15
    ➖
    SMITH, Andrew George resigned
    director
  23. 2009-01-01
    ➕
    SMITH, Andrew George appointed
    director
  24. 2008-12-31
    ➖
    NORMAN, Philip Alfred resigned
    director
  25. 2004-04-26
    ➕
    NORMAN, Philip Alfred appointed
    director
  26. 1994-04-19
    🔒
    Charge registered #3
    Lender: Lloyds Bank PLC
  27. 1987-02-04
    🔒
    Charge registered #2
    Lender: National Westminster Bank PLC
  28. 1984-08-01
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  29. 1982-02-01
    🏢
    Company incorporated
    As CARROLL & CARROLL LIMITED

Owner dependency

96/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "CARROLL" — strong identity link between founder and business.
  • +Founder age: Director aged approximately 85 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

89/100
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 85 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 14 years.
  • secondaryStable-but-static management: Company is 44 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.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Peter Robert Carroll
Individual · British · DOB 11/1941 · age 85
75–100%
75–100%board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · firm interest22/08/2016

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
Incorporated1982-02-01
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Seaways North Road
Sandwich Bay
Sandwich
CT13 9PJ
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-09-05
Last: 2025-08-22

Officers (3 active · 3 resigned)

CARROLL, Pauline Joan→
secretary
View their other companies + combined net worth →
Active
CARROLL, Andrew Peter Lyon→
director · ~47y · appointed 2012-02-01
View their other companies + combined net worth →
Active
CARROLL, Peter Robert→
director · ~85y
View their other companies + combined net worth →
Active
NORMAN, Philip Alfred→
director · ~80y · appointed 2004-04-26 · resigned 2008-12-31
Resigned
NORRINGTON, Barry Kent→
director · ~82y · appointed 2010-01-15 · resigned 2010-10-01
Resigned
SMITH, Andrew George→
director · ~77y · appointed 2009-01-01 · resigned 2010-01-15
Resigned

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

Mortgages & charges

3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Mortgage1 property19/04/199418/11/2010
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property04/02/198718/11/2010
satisfied
National Westminster Bank
National Westminster Bank PLC
Mortgage1 property01/08/198418/11/2010

Recent filings (106 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-29
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-26
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-28
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-24
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-09-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-08-23