ANDREW COPELAND INTERNATIONAL LIMITED

🌳Matureactive

02203828 · ltd · incorporated 1987-12-09

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.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 21.9y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

£108.0k

book net assets

Opportunity

82/100

Exceptional

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Activities of insurance agents and brokers

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 75-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 21.9y

70/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 21.9 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (81/100)

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

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

8 officers (6 active, 8 linked, 7 with DOB)

Ownership & PSC

2 active PSC(s) of 3 total, 3 with control declared

Director network

5 connected companies via shared directors

Filing history

103 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 101

Positive net assets

Net assets £108,031

Cash YoY

-1%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£199k

↓ 1.2% YoY

Net Worth

£108k

↑ 5.0% YoY

Current Assets

£307k

↑ 19% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 101

Metric	2024-12-31	2023-12-31
Total assets	£108.0k	£102.8k
Current assets	£307.5k	£257.5k
Cash	£198.7k	£201.1k
Debtors	£108.8k	£56.3k
Net assets	£108.0k	£102.8k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 signals 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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (29 events)Click to expand

2025-09-05
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2020-09-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-09-11
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2020-09-11
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2020-09-01
➕
COPELAND, Donna Marilyn appointed
director
2020-08-27
➖
COPELAND, Andrew Robert resigned
director
2020-08-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-07-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-06-21
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2018-08-11
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2018-08-10
🔒
Charge registered #3
Lender: Barclays Bank PLC
2018-07-13
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-12-22
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2017-12-14
🔒
Charge registered #2
Lender: Barclays Bank PLC
2017-10-31
📄
mortgage-satisfy-charge-full
mortgage · MR04
2017-10-31
🔓
Charge satisfied #1
2017-07-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-04-12
➕
COPELAND, Andres James appointed
director
2017-04-12
➕
THOMAS, Sam appointed
director
2005-07-18
➕
COPELAND, Andrew Robert appointed
director
2004-08-03
🔒
Charge registered #1
Lender: Andrew Copeland Insurance Consultants Limited
2000-03-08
➕
ANSON, Peter John appointed
director
2000-03-08
➖
COPELAND, Andrew Robert resigned
director
1987-12-09
🏢
Company incorporated
As ANDREW COPELAND INTERNATIONAL LIMITED

Owner dependency

88/100

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

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder name in company name: Company name contains director surname "COPELAND" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 75 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100

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 75 years old. Natural succession window is now.
primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 39 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

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Roy Harvey Thomas Individual · British · DOB 02/1951 · age 75	25–50%	—	25-50% shares	30/06/2016
Mr Andres James Copeland Individual · British · DOB 11/1988 · age 38	—	—	sig. influencesignificant influence	01/09/2020

1 historic (ceased) PSC

Mr Andrew Robert Copelandceased 27/08/2020· significant influence

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 · BR postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AVIATION FINANCE SOLUTIONS LIMITED→ 08278251 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
BACA LTD→ 10444135 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
BHV FINANCIAL SERVICES LIMITED→ 14477559 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
BIRCHALL GREGORY LTD→ 13161523 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
BLUEBAY SECURITIES LIMITED→ 12127954 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
BOXERFS LTD→ 14956525 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
BRIGHT STAR INDUSTRIES LIMITED→ 15442767 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
BROLLY UK TECHNOLOGY LIMITED→ 10134039 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
BROOKLANDS COMMERCIAL FINANCE LIMITED→ 04980852 · est 2003 · no financials extracted	—	—	—	—	22y	—	—
BSH FINANCIAL LIMITED→ 11895000 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
BUGGY-INV LTD→ 13148893 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
BYK INVESTMENTS NO.2 LIMITED→ 08502568 · est 2013 · no financials extracted	—	—	—	—	12y	—	—

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

Incorporated1987-12-09

Jurisdictionengland-wales

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

224 High Street

Beckenham

Kent

BR3 1EN

England

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-07-26

Last: 2025-07-12