AUTOMOBILE ASSOCIATION INSURANCE SERVICES LIMITED

🌳Matureactive

02414212 · ltd · incorporated 1989-08-17

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

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Activities of insurance agents and brokers

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (73/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

9 live charges · 7 lenders · oldest 34.9y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 34.9 years old — likely at or near maturity.
· 7 lenders named — inter-creditor friction likely.
· Legal-friction score 30/100 — 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

Lenders & charges

9 charges (9/9 with lender, 9/9 with type)

Directors & officers

83 officers (5 active, 83 linked, 68 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

12 connected companies via shared directors

Filing history

347 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

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.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (192 events)Click to expand

2025-07-04
📄
change-person-director-company-with-change-date
officers · CH01
2025-07-04
📄
change-person-director-company-with-change-date
officers · CH01
2025-07-04
📄
change-person-director-company-with-change-date
officers · CH01
2025-06-20
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-06-09
📄
accounts-with-accounts-type-full
accounts · AA
2024-11-01
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-06-24
📄
accounts-with-accounts-type-full
accounts · AA
2023-10-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-10-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-09-28
➕
JOHAL, Harjeet appointed
director
2023-09-28
➖
KEELING, Dean Christopher resigned
director
2023-07-03
📄
accounts-with-accounts-type-full
accounts · AA
2022-12-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-11-30
➖
RILEY, Cathryn Elizabeth resigned
director
2022-06-30
📄
accounts-with-accounts-type-full
accounts · AA
2022-06-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-03-15
➖
COUGHLAN, David Patrick resigned
director
2022-03-15
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-03-01
➕
ROGERS, David Frederick Swiffen appointed
director
2022-02-28
➖
BUNKER, Philip Mark resigned
director
2022-02-28
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-02-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-01-17
➕
PARK, Joseph Augustus appointed
director
2021-11-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-11-10
➕
KEELING, Dean Christopher appointed
director
2021-11-04
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-10-29
➖
KIRKWOOD, Gareth Robert resigned
director
2021-10-13
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2021-10-01
➕
COX, James Edward appointed
secretary
2021-07-15
📄
accounts-with-accounts-type-full
accounts · AA
2021-05-31
➖
HOOSEN, Nadia resigned
secretary
2021-05-31
➖
HOLLIDAY, Timothy Victor, Dr resigned
director
2021-04-01
➕
RILEY, Cathryn Elizabeth appointed
director
2020-06-15
➕
COUGHLAN, David Patrick appointed
director
2020-05-31
➖
SMITH, David William resigned
director
2019-12-19
➕
BUNKER, Philip Mark appointed
director
2019-06-28
➖
ROE, Jonathan Caldwell resigned
director
2018-08-01
➕
HOLLIDAY, Timothy Victor, Dr appointed
director
2018-07-30
➕
KIRKWOOD, Gareth Robert appointed
director
2018-07-20
➖
CLARKE, Martin Andrew, Dr resigned
director
2018-07-02
➖
CLARKE, Martin Andrew, Dr resigned
secretary
2018-07-02
➕
HOOSEN, Nadia appointed
secretary
2018-06-18
➖
RILEY, Cathryn Elizabeth resigned
director
2018-05-25
➖
LLOYD, Michael Samuel resigned
director
2018-05-09
➕
CLARKE, Martin Andrew, Dr appointed
secretary
2018-04-17
➖
MILLAR, Mark Falcon resigned
secretary
2017-05-31
➖
KUNC, Oliver James resigned
director
2017-01-17
➖
MACKENZIE, Robert David resigned
director
2016-07-12
➕
SMITH, David William appointed
director
2016-03-31
➖
GUPTA, Ashok Kumar resigned
director

Showing most recent 50 of 192 events

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 70 — succession pressure is live.

Succession & seller-readiness

65/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Aa Corporation Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Aa Corporation Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

AUTOMOBILE ASSOCIATION INSURANCE SERVICES LIMITED

This company · 02414212

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
Aa Corporation Limited Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	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 →

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AMERLAN LIMITED→ 11251490 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
AMF VENTURES LIMITED→ 04390735 · est 2002 · no financials extracted	—	—	—	—	24y	—	—
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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.

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Company details

Statusactive

Typeltd

Incorporated1989-08-17

Jurisdictionengland-wales

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Level 3, Plant

Basing View

Basingstoke

Hampshire

RG21 4HG

England

Filing status

Accounts

Next due: 2026-10-31

Last made up to: 2025-01-31

Confirmation statement

Next due: 2026-07-05

Last: 2025-06-21