H & H INSURANCE BROKERS LIMITED
🌳Matureactive
02200510 · ltd · incorporated 1987-11-30
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 26.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Non-life reinsurance
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 72/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (50/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 26.9y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 26.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 38/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (60/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
18 officers (3 active, 18 linked, 15 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
156 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 1 officers
- • 1 accounts
Last 180 days
3
filings
- • 1 officers
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (53 events)Click to expand
- 2026-03-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-23📄accounts-with-accounts-type-smallaccounts · AA
- 2026-03-13➖GRAHAM, Paul Thomas resigneddirector
- 2025-03-04📄accounts-with-accounts-type-smallaccounts · AA
- 2024-07-01➕SHANE, Kallandra appointeddirector
- 2024-07-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-31➖CLEMENT, Christopher resigneddirector
- 2024-05-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-03-29📄accounts-with-accounts-type-smallaccounts · AA
- 2024-01-09📄change-person-director-company-with-change-dateofficers · CH01
- 2024-01-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-31➖LEE, Joanne resigneddirector
- 2023-04-15📄accounts-with-accounts-type-smallaccounts · AA
- 2022-03-16📄accounts-with-accounts-type-smallaccounts · AA
- 2022-01-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-01-05➕LEE, Joanne appointeddirector
- 2021-04-06📄accounts-with-accounts-type-smallaccounts · AA
- 2020-09-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-09-09➕CLEMENT, Christopher appointeddirector
- 2020-03-09📄accounts-with-accounts-type-smallaccounts · AA
- 2019-03-22📄accounts-with-accounts-type-smallaccounts · AA
- 2018-07-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-07-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-07-02➕RANKIN, Richard Andrew appointeddirector
- 2018-06-30➖RICHARDSON, Brian Edmund resigneddirector
- 2018-01-31➖NOONE, John Fitzgerald resigneddirector
- 2015-12-31➖PAGIN, Phillip Herbert resigneddirector
- 2015-10-12➖PIERI, John Paul resigneddirector
- 2015-06-01➕NOONE, John Fitzgerald appointeddirector
- 2015-01-06➕GRAHAM, Paul Thomas appointeddirector
- 2013-07-31➕PIERI, John Paul appointeddirector
- 2013-07-30➖COULTHARD, Kevin resigneddirector
- 2008-07-15🔓Charge satisfied #2
- 2008-07-15🔓Charge satisfied #1
- 2008-06-01➕RICHARDSON, Brian Edmund appointeddirector
- 2008-05-31➖HEBDON, Trevor resigneddirector
- 2008-01-31🔒Charge registered #3Lender: Clydesdale Bank PLC
- 2007-04-05➖CUTHBERTSON, Andrew John resigneddirector
- 2004-07-01➕CUTHBERTSON, Andrew John appointeddirector
- 2003-12-17➕IRVING, Margaret appointedsecretary
- 2003-12-17➖LAWRENCE, John Frank resignedsecretary
- 2001-04-01➕LAWRENCE, John Frank appointedsecretary
- 2001-02-15➕COULTHARD, Kevin appointeddirector
- 2001-01-24➖JACKSON, Robert Crawford resignedsecretary
- 2000-02-07🔒Charge registered #2Lender: Barclays Bank PLC
- 1999-07-07🔒Charge registered #1Lender: Barclays Bank PLC
- 1999-01-26➕HEBDON, Trevor appointeddirector
- 1999-01-22➖THOMLINSON, David Joseph resigneddirector
- 1998-11-12➖BOYER, Ian Douglas resigneddirector
- 1997-08-08➕PAGIN, Phillip Herbert appointeddirector
Showing most recent 50 of 53 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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
H&H Group Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
H&H Group Plc
Corporate parent · holds 75-100% shares
⬇
H & H INSURANCE BROKERS LIMITED
This company · 02200510
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 |
|---|---|---|---|---|
H&H Group Plc Corporate entity | 75–100% | — | 75-100% shares | 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.
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|---|---|---|---|---|---|---|---|
| ACT LOGIC LIMITED→ 16882554 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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| DW 2020 LIMITED→ 12369622 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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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
Incorporated1987-11-30
Jurisdictionengland-wales
Primary SIC65202 — Non-life reinsurance
Registered office
Borderway Mart Montgomery Way
Rosehill Industrial Estate
Carlisle
Cumbria
CA1 2RS
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-10-06
Last: 2025-09-22
Officers (3 active · 15 resigned)
Active
RANKIN, Richard Andrew→
Activedirector · ~53y · appointed 2018-07-02
View their other companies + combined net worth →
SHANE, Kallandra→
Activedirector · ~38y · appointed 2024-07-01
View their other companies + combined net worth →
JACKSON, Robert Crawford→
Resignedsecretary · resigned 2001-01-24
LAWRENCE, John Frank→
Resignedsecretary · appointed 2001-04-01 · resigned 2003-12-17
BOYER, Ian Douglas→
Resigneddirector · ~77y · resigned 1998-11-12
CLEMENT, Christopher→
Resigneddirector · ~50y · appointed 2020-09-09 · resigned 2024-05-31
COULTHARD, Kevin→
Resigneddirector · ~66y · appointed 2001-02-15 · resigned 2013-07-30
CUTHBERTSON, Andrew John→
Resigneddirector · ~58y · appointed 2004-07-01 · resigned 2007-04-05
GRAHAM, Paul Thomas→
Resigneddirector · ~57y · appointed 2015-01-06 · resigned 2026-03-13
HEBDON, Trevor→
Resigneddirector · ~72y · appointed 1999-01-26 · resigned 2008-05-31
HESLOP, Isaac James→
Resigneddirector · ~98y · resigned 1994-09-28
LEE, Joanne→
Resigneddirector · ~53y · appointed 2022-01-05 · resigned 2023-12-31
NOONE, John Fitzgerald→
Resigneddirector · ~62y · appointed 2015-06-01 · resigned 2018-01-31
PAGIN, Phillip Herbert→
Resigneddirector · ~68y · appointed 1997-08-08 · resigned 2015-12-31
PIERI, John Paul→
Resigneddirector · ~66y · appointed 2013-07-31 · resigned 2015-10-12
RICHARDSON, Brian Edmund→
Resigneddirector · ~66y · appointed 2008-06-01 · resigned 2018-06-30
THOMLINSON, David Joseph→
Resigneddirector · ~80y · appointed 1995-02-14 · resigned 1999-01-22
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC | Debenture | 1 property | 31/01/2008 | — | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 07/02/2000 | 15/07/2008 | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 07/07/1999 | 15/07/2008 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (156 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-03-26
accounts-with-accounts-type-small
accounts · AA
2026-03-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-15
accounts-with-accounts-type-small
accounts · AA
2025-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-23
appoint-person-director-company-with-name-date
officers · AP01
2024-07-01
termination-director-company-with-name-termination-date
officers · TM01
2024-05-31
accounts-with-accounts-type-small
accounts · AA
2024-03-29
change-person-director-company-with-change-date
officers · CH01
2024-01-09
termination-director-company-with-name-termination-date
officers · TM01
2024-01-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-22
accounts-with-accounts-type-small
accounts · AA
2023-04-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-27
accounts-with-accounts-type-small
accounts · AA
2022-03-16
appoint-person-director-company-with-name-date
officers · AP01
2022-01-07