ALPINE INSURANCE SERVICES LIMITED
💤Zombieactive
01999925 · ltd · incorporated 1986-03-14
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£121.2k
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 73/100 (strong), bankability 67/100. 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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
5 live charges · 3 lenders · oldest 40.0y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 40.0 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (70/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
6 officers (1 active, 6 linked, 5 with DOB)
87
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
148 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £121,235
Key financials
1 year extracted from filed iXBRL accountsCash
£118k
Net Worth
£121k
Current Assets
£258k
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 |
|---|---|
| Total assets | £157.6k |
| Current assets | £257.6k |
| Cash | £118.3k |
| Debtors | £139.2k |
| Net assets | £121.2k |
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
4
filings
- • 2 accounts
- • 1 address
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
- 2026-03-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-24📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2025-03-10📄capital-allotment-sharescapital · SH01
- 2025-03-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-25➖LAMKIN, Paul David resigneddirector
- 2024-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-12-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-12-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-12-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-12-12➖PERRY, Alan Michael resigneddirector
- 2022-10-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-31📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2020-12-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-01-24📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2019-12-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-04-01➖PERRY, Teresa Elaine resignedsecretary
- 2019-04-01➖PERRY, Teresa Elaine resigneddirector
- 2019-02-22➕WILKIE, Stephen Rendon appointeddirector
- 2019-02-22➕LAMKIN, Paul David appointeddirector
- 2013-11-26🔓Charge satisfied #5
- 2006-07-01🔓Charge satisfied #3
- 2001-12-12🔓Charge satisfied #4
- 2001-10-02🔒Charge registered #5Lender: The Royal Bank of Scotland PLC
- 1998-09-08🔒Charge registered #4Lender: Midland Bank PLC
- 1991-09-01➖LAMKIN, Paul David resigneddirector
- 1990-11-28🔓Charge satisfied #1
- 1988-10-20🔒Charge registered #3Lender: Midland Bank PLC
- 1986-06-09🔒Charge registered #2Lender: Henry Gover
- 1986-06-09🔒Charge registered #1Lender: Midland Bank PLC
- 1986-03-14🏢Company incorporatedAs ALPINE INSURANCE SERVICES 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
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 40 years old and no new directors in the last 3 years — succession not yet being planned internally.
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
Alpine Insurance Services (Holdings) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Alpine Insurance Services (Holdings) Limited
Corporate parent · holds 75-100% shares
⬇
ALPINE INSURANCE SERVICES LIMITED
This company · 01999925
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Alpine Insurance Services (Holdings) Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 30/06/2016 |
Mr Stephen Rendon Wilkie Individual · British · DOB 09/1970 · age 56 | — | — | board controlboard control | 12/12/2022 |
2 historic (ceased) PSCs
- Mr Alan Michael Perryceased 12/12/2022· board control
- Mrs Teresa Elaine Perryceased 12/12/2022· board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · SS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ADR GROUP LIMITED→ 02876683 · est 1993 · no financials extracted | — | — | — | — | 32y | — | — |
| AIMD INVESTMENT LTD→ 16183406 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ALIGN PROPERTY FINANCE LIMITED→ 15184216 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ALIGNED HORIZONS LTD→ 16051406 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ALLCLAIMS CONSULTANCY LIMITED→ 13271211 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AMA FINANCIAL SERVICES LIMITED→ 13174611 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AMANDA HOLDEN FINANCIAL PLANNING LTD→ 15169915 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AMBER FINANCE LIMITED→ 06423453 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| AMBER WEALTH MANAGEMENT LIMITED→ 16241090 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AMS FINANCIAL SERVICES LIMITED→ 04327107 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| ANABAA LIMITED→ 07890639 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ANCEAN LIMITED→ 14101800 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated1986-03-14
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
213 London Road
Hadleigh
Benfleet
Essex
SS7 2RD
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-16
Last: 2026-03-02
Officers (1 active · 5 resigned)
WILKIE, Stephen Rendon→
Activedirector · ~56y · appointed 2019-02-22
View their other companies + combined net worth →
PERRY, Teresa Elaine→
Resignedsecretary · resigned 2019-04-01
LAMKIN, Paul David→
Resigneddirector · ~66y · appointed 2019-02-22 · resigned 2025-02-25
LAMKIN, Paul David→
Resigneddirector · ~66y · resigned 1991-09-01
PERRY, Alan Michael→
Resigneddirector · ~74y · resigned 2022-12-12
PERRY, Teresa Elaine→
Resigneddirector · ~77y · resigned 2019-04-01
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
1
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 02/10/2001 | 26/11/2013 | |
| satisfied | Midland Bank Midland Bank PLC | Debenture | 1 property | 08/09/1998 | 12/12/2001 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 20/10/1988 | 01/07/2006 | |
| outstanding | Henry Gover | Legal charge | 1 property | 09/06/1986 | — | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 09/06/1986 | 28/11/1990 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (148 total)
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-24
change-account-reference-date-company-previous-extended
accounts · AA01
2025-12-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-10
capital-allotment-shares
capital · SH01
2025-03-10
termination-director-company-with-name-termination-date
officers · TM01
2025-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-02
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-12-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-12-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-12-17
termination-director-company-with-name-termination-date
officers · TM01
2022-12-17