ALLIED WESTMINSTER (INSURANCE SERVICES) LIMITED
🌳Matureactive
02375709 · ltd · incorporated 1989-04-25
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 33.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueActive trading company with a 74-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 85/100. Strong seller-intent signal (73/100, director aged 74). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
5 live charges · oldest 33.7y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 33.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (58/100)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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
8 officers (4 active, 8 linked, 7 with DOB)
88
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
116 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
69
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
7
filings
- • 3 officers
- • 2 capital
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
- 2026-01-14➖HUGHES, William Edward Charles resignedsecretary
- 2026-01-14📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-01-08📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-02📄capital-cancellation-sharescapital · SH06
- 2025-12-02📄capital-return-purchase-own-sharescapital · SH03
- 2025-11-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-30➖MITCHELL, Bozena Elzbieta resigneddirector
- 2024-12-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-15➕HACK, Richard Paul appointeddirector
- 2024-11-15➕HALL, Helen Marie appointeddirector
- 2024-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-20🔓Charge satisfied #5
- 2024-01-20🔓Charge satisfied #4
- 2024-01-20🔓Charge satisfied #3
- 2024-01-20🔓Charge satisfied #2
- 2024-01-20🔓Charge satisfied #1
- 2023-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-04📄capital-allotment-sharescapital · SH01
- 2022-11-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 1998-03-31➕MITCHELL, Bozena Elzbieta appointeddirector
- 1994-05-01➖ASHLEY, Paul Martin resigneddirector
- 1993-08-31➖HEPWORTH, Ian Malcolm resigneddirector
- 1993-02-19🔒Charge registered #5Lender: National Westminster Bank PLC
- 1993-02-19🔒Charge registered #4Lender: National Westminster Bank PLC
- 1992-11-30🔒Charge registered #3Lender: National Westminster Bank PLC
- 1992-11-16➕MITCHELL, Gavin appointeddirector
- 1992-11-16➕HEPWORTH, Ian Malcolm appointeddirector
- 1992-08-19🔒Charge registered #2Lender: National Westminster Bank PLC
- 1992-08-19🔒Charge registered #1Lender: National Westminster Bank PLC
- 1989-04-25🏢Company incorporatedAs ALLIED WESTMINSTER (INSURANCE SERVICES) LIMITED
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 34 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 74 — succession pressure is live.
Succession & seller-readiness
80/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 34 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
2 med ·2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: HUGHES, William Edward Charles resigned 2026-01-14; MITCHELL, Bozena Elzbieta resigned 2025-09-30
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
Jardines Uk Ltd holds 25-50% — a significant corporate investor but not a controlling parent.
🏛️significant stake
Jardines Uk Ltd
Corporate parent · holds 25-50% shares
⬇
ALLIED WESTMINSTER (INSURANCE SERVICES) LIMITED
This company · 02375709
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr William Edward Charles Hughes Individual · British · DOB 08/1952 · age 74 | 25–50% | — | 25-50% shares | 06/04/2016 |
Jardines Uk Ltd Corporate entity | 25–50% | — | 25-50% 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.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| 2410 TRADING LIMITED→ 16903740 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AIB (L) LIMITED→ 13205797 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| APPLIED CREDIT LIMITED→ 15576733 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| APPLIED CRISIS UNDERWRITERS LIMITED→ 15996511 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AQL (FINANCIAL) LIMITED→ 08614368 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ARTHUR BROWNS WEALTH MANAGEMENT LTD→ 06190352 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| ARTIFICIAL INTELLIGENCE VENTURE LTD→ 13112168 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ASDA EMPLOYEE SHARE SCHEMES TRUSTEE LIMITED→ 00089218 · est 1906 · no financials extracted | — | — | — | — | 119y | — | — |
| ASHLEY SIMS FINANCIAL PLANNING LIMITED→ 12247370 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ASHMOLE ESTATES→ 14158842 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ASPIRE CAPITAL VENTURES LTD→ 16442693 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ASPIRE EQUITY RELEASE LIMITED→ 14473572 · 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
Incorporated1989-04-25
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
Allied House Holgate Lane
Boston Spa
Wetherby
West Yorkshire
LS23 6BN
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-05-09
Last: 2026-04-25
Officers (4 active · 4 resigned)
HACK, Richard Paul→
Activedirector · ~45y · appointed 2024-11-15
View their other companies + combined net worth →
HALL, Helen Marie→
Activedirector · ~35y · appointed 2024-11-15
View their other companies + combined net worth →
Active
MITCHELL, Gavin→
Activedirector · ~67y · appointed 1992-11-16
View their other companies + combined net worth →
HUGHES, William Edward Charles→
Resignedsecretary · resigned 2026-01-14
ASHLEY, Paul Martin→
Resigneddirector · ~69y · resigned 1994-05-01
HEPWORTH, Ian Malcolm→
Resigneddirector · ~57y · appointed 1992-11-16 · resigned 1993-08-31
MITCHELL, Bozena Elzbieta→
Resigneddirector · ~62y · appointed 1998-03-31 · resigned 2025-09-30
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 19/02/1993 | 20/01/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Charge over credit balances | 1 property | 19/02/1993 | 20/01/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Jersey security interest agreement | 1 property | 30/11/1992 | 20/01/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 19/08/1992 | 20/01/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Charge over credit balances | 1 property | 19/08/1992 | 20/01/2024 |
Recent filings (116 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-07
termination-secretary-company-with-name-termination-date
officers · TM02
2026-01-14
change-person-director-company-with-change-date
officers · CH01
2026-01-08
termination-director-company-with-name-termination-date
officers · TM01
2026-01-05
capital-cancellation-shares
capital · SH06
2025-12-02
capital-return-purchase-own-shares
capital · SH03
2025-12-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-05
appoint-person-director-company-with-name-date
officers · AP01
2024-11-19
appoint-person-director-company-with-name-date
officers · AP01
2024-11-16
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-20