ACORN INSURANCE AND FINANCIAL SERVICES LIMITED

🌳Matureactive

01636368 · ltd · incorporated 1982-05-18

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.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

74/100

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 74/100 (strong), bankability 57/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

6 live charges · 6 lenders · oldest 37.9y

35/100

too messy

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

· Oldest live charge is 37.9 years old — likely at or near maturity.
· 6 lenders named — inter-creditor friction likely.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (58/100)

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

No iXBRL financials extracted

Lenders & charges

6 charges (6/6 with lender, 6/6 with type)

Directors & officers

14 officers (6 active, 14 linked, 8 with DOB)

Ownership & PSC

1 active PSC(s) of 4 total, 4 with control declared

Director network

8 connected companies via shared directors

Filing history

144 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

74/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (47 events)Click to expand

2026-03-03
📄
replacement-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP01CS01
2025-07-31
📄
accounts-with-accounts-type-full
accounts · AA
2024-05-23
📄
accounts-with-accounts-type-full
accounts · AA
2023-08-23
📄
accounts-with-accounts-type-full
accounts · AA
2023-02-01
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-01-31
🔒
Charge registered #6
Lender: Lloyds Bank PLC
2022-09-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-08-23
➕
LLOYD, Michael Samuel appointed
director
2022-08-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-07-30
➖
KEATING, Alan Peter resigned
director
2022-07-13
📄
accounts-with-accounts-type-full
accounts · AA
2021-12-13
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-11-25
🔒
Charge registered #5
Lender: Hsbc Bank PLC
2021-08-09
📄
accounts-with-accounts-type-full
accounts · AA
2020-12-21
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-12-18
🔒
Charge registered #4
Lender: Lloyds Bank PLC (As Security Agent for the Secured Parties (as Defined in the Instrument))
2020-11-19
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-11-19
🔓
Charge satisfied #2
2020-09-23
📄
accounts-with-accounts-type-full
accounts · AA
2020-08-24
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-08-14
➖
PROBERT, Dawn resigned
director
2020-04-07
📄
change-person-director-company-with-change-date
officers · CH01
2020-04-07
📄
change-person-director-company-with-change-date
officers · CH01
2019-11-21
📄
memorandum-articles
incorporation · MA
2019-11-21
📄
resolution
resolution · RESOLUTIONS
2019-11-15
➕
TYRRELL, Kyle Gavin John Patrick appointed
director
2019-11-15
➕
PROBERT, Dawn appointed
director
2019-11-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2018-08-01
🔒
Charge registered #3
Lender: Investec Bank PLC (As Security Agent for the Secured Parties (as Defined in the Instrument)).
2017-09-14
➕
KEATING, Daniel appointed
director
2016-05-18
🔒
Charge registered #2
Lender: Investec Bank PLC as Security Trustee
2016-02-19
🔓
Charge satisfied #1
2014-02-17
➕
MCLACHLAN, Nicola Kate appointed
secretary
2014-02-17
➖
STEVENSON, Nicholas John resigned
secretary
2011-10-03
➕
GOWING, Martin Richard appointed
director
2004-07-01
➕
MCLACHLAN, Nicola Kate appointed
director
2002-04-22
➕
STEVENSON, Nicholas John appointed
secretary
2002-04-22
➖
WEST, Susan Maureen resigned
secretary
2002-04-22
➖
WEST, Keith resigned
director
1997-01-01
➕
KEATING, Alan Peter appointed
director
1995-02-15
➕
WEST, Susan Maureen appointed
secretary
1995-02-14
➖
MCMULLEN, Mark Anthony resigned
secretary
1994-03-01
➖
KEATING, Alan Peter resigned
secretary
1993-06-01
➕
KEATING, Alan Peter appointed
secretary
1992-09-05
➖
WEST, Maria Theresa Johanna resigned
secretary
1988-06-27
🔒
Charge registered #1
Lender: Yorkshire Bank PLC
1982-05-18
🏢
Company incorporated
As ACORN INSURANCE AND FINANCIAL SERVICES LIMITED

Owner dependency

50/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.

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 22 years. Very long tenure is a classic succession signal.
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.

Group structure

Granite Underwriting Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Granite Underwriting Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

ACORN INSURANCE AND FINANCIAL SERVICES LIMITED

This company · 01636368

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
Granite Underwriting Limited Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	06/04/2016

3 historic (ceased) PSCs

Granite Underwriting Limitedceased 06/04/2016· 75-100% shares · 75-100% voting · board control
Correlation Two Holdings Limitedceased 06/04/2016· 25-50% shares · 25-50% voting
Marlin Investments Limitedceased 06/04/2016· 50-75% shares · 50-75% voting · board control

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.

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Company details

Statusactive

Typeltd

Incorporated1982-05-18

Jurisdictionengland-wales

Primary SIC65120 — Non-life insurance

Registered office

98 Liverpool Road Formby

Liverpool

Merseyside

L37 6BS

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-08-21

Last: 2025-08-07