ALFRETON INSURANCE SERVICES LIMITED

🌳Matureactive
02220205 · ltd · incorporated 1988-02-11
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 14.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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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 exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 80/100. 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 · oldest 14.4y

85/100
ready

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

  • · Oldest live charge is 14.4 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (79/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 5 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
110 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Dec 2024Dec 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-12-312024-12-31
Average employees121200

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
1
filing
  • • 1 officers
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 (28 events)Click to expand
  1. 2026-04-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-02-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-02-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-02-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-01-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2023-02-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-04-28
    ➕
    DIXON, Josh William appointed
    director
  8. 2022-04-28
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2022-03-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-08-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-10-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2020-10-06
    🔓
    Charge satisfied #2
  13. 2020-09-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2020-09-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-05-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-03-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2017-04-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2017-04-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2014-02-28
    ➖
    SAUNDERS, Andrew Arthur resigned
    secretary
  20. 2014-02-28
    ➖
    SAUNDERS, Andrew Arthur resigned
    director
  21. 2014-02-10
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  22. 2011-12-21
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  23. 2001-10-01
    ➕
    LACK, Neil Derek appointed
    director
  24. 2001-10-01
    ➕
    WILKINSON, Colin George appointed
    director
  25. 2001-10-01
    ➕
    SAUNDERS, Andrew Arthur appointed
    secretary
  26. 2001-10-01
    ➖
    SAUNDERS, Ruth resigned
    secretary
  27. 2001-10-01
    ➖
    SAUNDERS, Ruth resigned
    director
  28. 1988-02-11
    🏢
    Company incorporated
    As ALFRETON INSURANCE SERVICES LIMITED

Owner dependency

68/100
High — earn-out structure required

Material 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 25 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

70/100
Strong succession signal

Multiple 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 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 38 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.)

Group structure

Alfreton Insurance Services (Holdings) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Alfreton Insurance Services (Holdings) Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
ALFRETON INSURANCE SERVICES LIMITED
This company · 02220205

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%
NameSharesVoting rightsNature of controlNotified
Alfreton Insurance Services (Holdings) Limited
Corporate entity
75–100%
—75-100% shares06/04/2016

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 →

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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
Incorporated1988-02-11
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance

Registered office

8 Central Road
Alfreton
Derbyshire
DE55 7BH

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-01-19
Last: 2026-01-05

Officers (3 active · 4 resigned)

DIXON, Josh William→
director · ~41y · appointed 2022-04-28
View their other companies + combined net worth →
Active
LACK, Neil Derek→
director · ~56y · appointed 2001-10-01
View their other companies + combined net worth →
Active
WILKINSON, Colin George→
director · ~59y · appointed 2001-10-01
View their other companies + combined net worth →
Active
SAUNDERS, Andrew Arthur→
secretary · appointed 2001-10-01 · resigned 2014-02-28
Resigned
SAUNDERS, Ruth→
secretary · resigned 2001-10-01
Resigned
SAUNDERS, Andrew Arthur→
director · ~70y · resigned 2014-02-28
Resigned
SAUNDERS, Ruth→
director · ~68y · resigned 2001-10-01
Resigned

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
TypeProperties
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property10/02/201406/10/2020
outstanding
Barclays
Barclays Bank PLC
Legal charge1 property21/12/2011—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (110 total)

change-person-director-company-with-change-date
officers · CH01
2026-04-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-06
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-25
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-04
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-25
change-person-director-company-with-change-date
officers · CH01
2024-01-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-14
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-24
appoint-person-director-company-with-name-date
officers · AP01
2022-04-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-03
confirmation-statement-with-updates
confirmation-statement · CS01
2022-02-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-03
confirmation-statement-with-updates
confirmation-statement · CS01
2021-03-17