INSURANCE FIRST BROKERS LTD
🌳Matureactive
02169477 · ltd · incorporated 1987-09-28
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 12.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with exceptional profile and bankable structure.
Opportunity 82/100 (exceptional), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 12.1y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 12.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 20/100 — clean.
Data confidence
Overall: medium (61/100)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
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
23 officers (3 active, 23 linked, 18 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
18 connected companies via shared directors
90
Filing history
177 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
3
filings
- • 2 officers
- • 1 address
Last 180 days
8
filings
- • 2 officers
- • 1 address
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (64 events)Click to expand
- 2026-04-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-03-25📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-25📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-08📄resolutionresolution · RESOLUTIONS
- 2026-01-08📄memorandum-articlesincorporation · MA
- 2025-12-27📄statement-of-companys-objectschange-of-constitution · CC04
- 2025-12-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-19🔒Charge registered #2Lender: Aether Financial Services UK Limited as Security Trustee for the Secured Parties (As Defined in the Instrument)
- 2025-10-21➕PRAKASH, Mayank appointeddirector
- 2025-10-21➖EMBLEY, Simon David resigneddirector
- 2025-10-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-10-04📄accounts-with-accounts-type-smallaccounts · AA
- 2024-12-31📄accounts-with-accounts-type-smallaccounts · AA
- 2024-06-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-04-26📄accounts-with-accounts-type-smallaccounts · AA
- 2024-04-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-03-20➕GIBSON, Jeremy Paul appointeddirector
- 2023-01-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-01-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-01-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-01-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-01-16📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-01-12➖FITZGERALD, Sapna Bedi resignedsecretary
- 2023-01-12➖BISSET, Peter resigneddirector
- 2023-01-12➖DEEKS, Andrew William resigneddirector
- 2023-01-12➕EMBLEY, Simon David appointeddirector
- 2022-09-30📄accounts-with-accounts-type-smallaccounts · AA
- 2022-03-17📄change-person-director-company-with-change-dateofficers · CH01
- 2022-01-19➖PARTRIDGE, Stephen James resigneddirector
- 2021-12-16➖ROUND, Jonathan Pearson resigneddirector
- 2021-09-20➕BISSET, Peter appointeddirector
- 2021-09-20➕DEEKS, Andrew William appointeddirector
- 2021-09-01➖BUCK, Helen Elizabeth resigneddirector
- 2021-09-01➖MCAULEY, James Charles resigneddirector
- 2020-01-15➖BUSH, Ian resignedsecretary
- 2020-01-15➕FITZGERALD, Sapna Bedi appointedsecretary
- 2019-04-16➕BUCK, Helen Elizabeth appointeddirector
- 2019-04-16➕MCAULEY, James Charles appointeddirector
- 2019-04-16➕ROUND, Jonathan Pearson appointeddirector
- 2019-02-15➖MASTON, Paul Russell resigneddirector
- 2016-02-24🔓Charge satisfied #1
- 2016-02-18➖COVERDALE, Carole resigneddirector
- 2014-04-22🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2013-10-10➕BUSH, Ian appointedsecretary
- 2013-10-10➖COVERDALE, Carole resignedsecretary
- 2011-07-06➖HOBSON, Robert Graham resigneddirector
- 2008-06-01➕HOBSON, Robert Graham appointeddirector
- 2007-01-01➖HOBSON, Robert resigneddirector
- 2006-04-06➕HOBSON, Robert appointeddirector
Showing most recent 50 of 64 events
Owner dependency
68/100
High — earn-out structure requiredMaterial 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 24 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 lowMultiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Group First Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Group First Ltd
Corporate parent · holds 75-100% shares · board control
⬇
INSURANCE FIRST BROKERS LTD
This company · 02169477
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 |
|---|---|---|---|---|
Group First Ltd 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
Active · Financial services · CO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1697 LIMITED→ 10388253 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A.D.S. INSURANCE BROKERS LIMITED→ 02261242 · est 1988 · no financials extracted | — | — | — | — | 37y | — | — |
| ABACUS COLCHESTER LIMITED→ 06393406 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| ABCO INSURANCE SERVICES LIMITED→ 04670817 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| ADELANTE ASSET MANAGEMENT LIMITED→ 04643643 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| AHBCOMPANY LTD→ 11510325 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AJ PROTECT LTD→ 09216717 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| AJAX WEALTH MANAGEMENT LIMITED→ 11147499 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ANCHOR CAPITAL SOLUTIONS LIMITED→ 16350719 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ANDREW CASEY FINANCIAL SERVICES LTD→ 08115313 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| ANDREW HAY ADVISORY LIMITED→ 12185790 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ANGLIAN MORTGAGE SERVICES LIMITED→ 12810087 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated1987-09-28
Jurisdictionengland-wales
Primary SIC65110 — Life insurance
Registered office
Strover House
Crouch Street
Colchester
Essex
CO3 3ES
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-01-12
Last: 2025-12-29
Officers (3 active · 20 resigned)
BUSH, Ian Michael→
Activedirector · ~59y · appointed 2002-06-01
View their other companies + combined net worth →
GIBSON, Jeremy Paul→
Activedirector · ~53y · appointed 2024-03-20
View their other companies + combined net worth →
PRAKASH, Mayank→
Activedirector · ~53y · appointed 2025-10-21
View their other companies + combined net worth →
BUSH, Ian→
Resignedsecretary · appointed 2013-10-10 · resigned 2020-01-15
COVERDALE, Carole→
Resignedsecretary · appointed 2001-10-25 · resigned 2013-10-10
ELMS, Christopher John→
Resignedsecretary · resigned 1994-06-01
FITZGERALD, Sapna Bedi→
Resignedsecretary · appointed 2020-01-15 · resigned 2023-01-12
MASTON, Cheryl Elizabeth→
Resignedsecretary · appointed 1994-06-01 · resigned 2001-10-25
BISSET, Peter→
Resigneddirector · ~44y · appointed 2021-09-20 · resigned 2023-01-12
BROWN, Jeremy Peter→
Resigneddirector · ~70y · appointed 1994-06-01 · resigned 2004-01-31
BUCK, Helen Elizabeth→
Resigneddirector · ~66y · appointed 2019-04-16 · resigned 2021-09-01
COVERDALE, Carole→
Resigneddirector · ~78y · appointed 1998-10-01 · resigned 2016-02-18
DEEKS, Andrew William→
Resigneddirector · ~45y · appointed 2021-09-20 · resigned 2023-01-12
ELMS, Christopher John→
Resigneddirector · ~66y · resigned 1994-06-01
EMBLEY, Simon David→
Resigneddirector · ~66y · appointed 2023-01-12 · resigned 2025-10-21
HOBSON, Robert Graham→
Resigneddirector · ~59y · appointed 2008-06-01 · resigned 2011-07-06
HOBSON, Robert→
Resigneddirector · ~59y · appointed 2006-04-06 · resigned 2007-01-01
MASTON, Cheryl Elizabeth→
Resigneddirector · ~60y · appointed 1993-12-01 · resigned 2001-10-25
MASTON, Paul Russell→
Resigneddirector · ~66y · resigned 2019-02-15
MCAULEY, James Charles→
Resigneddirector · ~72y · appointed 2019-04-16 · resigned 2021-09-01
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aether Financial Services UK as Security Trustee for the Secured Parties (As Defined in the Instrument) Aether Financial Services UK Limited as Security Trustee for the Secured Parties (As Defined in the Instrument) | A registered charge | 1 property | 19/12/2025 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 22/04/2014 | 24/02/2016 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (177 total)
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-04-14
change-person-director-company-with-change-date
officers · CH01
2026-03-25
change-person-director-company-with-change-date
officers · CH01
2026-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-12
resolution
resolution · RESOLUTIONS
2026-01-08
memorandum-articles
incorporation · MA
2026-01-08
statement-of-companys-objects
change-of-constitution · CC04
2025-12-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-22
appoint-person-director-company-with-name-date
officers · AP01
2025-10-21
termination-director-company-with-name-termination-date
officers · TM01
2025-10-21
accounts-with-accounts-type-small
accounts · AA
2025-10-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-13
accounts-with-accounts-type-small
accounts · AA
2024-12-31
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-06-12
accounts-with-accounts-type-small
accounts · AA
2024-04-26