BECKET INSURANCE SERVICES LIMITED
💤Zombieactive
02410279 · ltd · incorporated 1989-08-02
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueActive trading company with a 72-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 72). 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 (73/100).
🏦
Refinance opportunity
1 live charge · oldest 35.8y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 35.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (76/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (1 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
101 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
80
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 accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Average employees | 6 | 600 |
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 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-06-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-23📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-11-23📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-11-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC03
- 2021-11-15📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-11-04📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-01-16📄accounts-amended-with-made-up-dateaccounts · AAMD
- 2019-11-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-11-15📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-11-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2016-11-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-01-11📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-11-13📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2011-11-21➖BARONS, Jacklyn resignedsecretary
- 2007-04-30➕BARONS, Jacklyn appointedsecretary
- 2007-04-30➖CLARKE, Judith Mary resignedsecretary
- 1992-10-01➕CLARKE, Patrick Ian appointeddirector
- 1992-10-01➕CLARKE, Judith Mary appointedsecretary
- 1992-10-01➖WILSON, Raymond Reginald Jansen resignedsecretary
- 1992-10-01➖JONES, Simon Anthony resigneddirector
- 1990-10-01🔒Charge registered #1Lender: Lloyds Bank PLC
- 1989-08-02🏢Company incorporatedAs BECKET INSURANCE SERVICES LIMITED
Owner dependency
100/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 34 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 72 — succession pressure is live.
Succession & seller-readiness
100/100
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 72 years old. Natural succession window is now.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 34 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 37 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Adbn Ltd Individual | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 01/09/2021 |
1 historic (ceased) PSC
- Mr Patrick Ian Clarkeceased 01/09/2021· 75-100% shares · 75-100% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · CT postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 97 GROUP LIMITED→ 13156739 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| A M L ASSURES LTD→ 10382443 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| AGGI CHRISTOU MORTGAGES LTD→ 14006722 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AKP PROPERTY INVESTMENTS LTD→ 15890092 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AMRAK (EUROPE) LIMITED→ 10883825 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| APS CONSULTANCY LTD→ 09252321 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ASSISTANCE & COACHING COMPTABILITE & ADMINISTRATION LTD→ 10626200 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| AVOCET RISK MANAGEMENT LIMITED→ 07771117 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BAMBER ASSOCIATES LIMITED→ 06999600 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| BEERSTECHER FAMILY INVESTMENT COMPANY LTD→ 10000047 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| BERNARD BARRETT ASSOCIATES LIMITED→ 02686396 · est 1992 · no financials extracted | — | — | — | — | 34y | — | — |
| BIRCHGATE INVESTMENTS LIMITED→ 09510938 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated1989-08-02
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
130 High Street
Broadstairs
Kent
CT10 1JB
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-01-14
Last: 2025-12-31
Officers (1 active · 4 resigned)
CLARKE, Patrick Ian→
Activedirector · ~72y · appointed 1992-10-01
View their other companies + combined net worth →
BARONS, Jacklyn→
Resignedsecretary · appointed 2007-04-30 · resigned 2011-11-21
CLARKE, Judith Mary→
Resignedsecretary · appointed 1992-10-01 · resigned 2007-04-30
WILSON, Raymond Reginald Jansen→
Resignedsecretary · resigned 1992-10-01
JONES, Simon Anthony→
Resigneddirector · ~74y · resigned 1992-10-01
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 01/10/1990 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (101 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-06-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-06-23
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-03
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-11-23
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC03
2021-11-16
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-11-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-11-04
accounts-amended-with-made-up-date
accounts · AAMD
2020-01-16