ACT INSURANCE SYSTEMS LIMITED
🌳Matureactive
02685165 · ltd · incorporated 1992-02-07
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 24.1y 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: Business and domestic software development
Sector: Information & communication
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 78/100 (strong), bankability 85/100. Strong seller-intent signal (65/100, director aged 59). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
6 live charges · 2 lenders · oldest 24.1y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 24.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 28/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
36 officers (3 active, 36 linked, 24 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
18 connected companies via shared directors
90
Filing history
173 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
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
3
filings
- • 2 officers
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (98 events)Click to expand
- 2026-03-11📄accounts-with-accounts-type-dormantaccounts · AA
- 2026-02-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-18➕GILBERT, Laura Anne appointeddirector
- 2026-02-18➖WARREN, Michael Anthony resigneddirector
- 2025-03-13📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-03-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-03-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-13📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-03-04📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-03-01➕HUGHES, Mairead Maria appointedsecretary
- 2025-03-01➖RALPH, Charles Philip resignedsecretary
- 2025-03-01➖RALPH, Charles Philip resigneddirector
- 2025-03-01➕WARREN, Michael Anthony appointeddirector
- 2024-07-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-02-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-02-15📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-03-03📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-11-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-07-12➕BADLEY, Simon Andrew appointeddirector
- 2019-07-12➖GUILLAUME, Christopher Charles Henri resigneddirector
- 2019-07-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-07-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-11-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-03-06➖BAILEY, Daryl Sherwin resignedsecretary
- 2017-03-06➕RALPH, Charles Philip appointedsecretary
- 2017-03-06➖BAILEY, Daryl Sherwin resigneddirector
- 2017-03-06➕RALPH, Charles Philip appointeddirector
- 2014-12-02➖CULLUM, Peter resigneddirector
- 2014-10-31➖HOMER, Andrew Charles resigneddirector
- 2012-03-31➖PATRICK, Ian William James resigneddirector
- 2011-06-22➖CARRUTHERS, James Maxwell resigneddirector
- 2009-09-10➖RYDER, Mark resigneddirector
- 2008-03-20➖BELL, Phillip William resigneddirector
- 2008-03-20➕GUILLAUME, Christopher Charles Henri appointeddirector
- 2008-03-18➕CARRUTHERS, James Maxwell appointeddirector
- 2007-10-12🔓Charge satisfied #6
- 2007-09-24➕CULLUM, Peter appointeddirector
- 2007-09-24➕HOMER, Andrew Charles appointeddirector
- 2007-09-24➕PATRICK, Ian William James appointeddirector
- 2006-07-20➕BAILEY, Daryl Sherwin appointedsecretary
- 2006-07-20➖RYDER, Mark resignedsecretary
- 2006-06-01➕BAILEY, Daryl Sherwin appointeddirector
- 2006-05-15🔓Charge satisfied #5
- 2006-05-15🔓Charge satisfied #4
- 2006-05-15🔓Charge satisfied #3
- 2006-05-15🔓Charge satisfied #2
- 2006-05-15🔓Charge satisfied #1
- 2006-05-05➖GRAY, Elizabeth Andrea resignedsecretary
- 2006-05-05🔒Charge registered #6Lender: Cibc World Markets PLC (In Its Capacity as Security Agent for the Beneficiaries)
Showing most recent 50 of 98 events
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·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
Open International Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Open International Limited
Corporate parent · holds 75-100% shares
⬇
ACT INSURANCE SYSTEMS LIMITED
This company · 02685165
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 |
|---|---|---|---|---|
Open International Limited Corporate entity | 75–100% | — | 75-100% 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.
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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
Incorporated1992-02-07
Jurisdictionengland-wales
Primary SIC62012 — Business and domestic software development
Registered office
Open International Limited
Buckholt Drive
Warndon
Worcester
WR4 9SR
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-12-18
Last: 2025-12-04
Officers (3 active · 33 resigned)
HUGHES, Mairead Maria→
Activesecretary · appointed 2025-03-01
View their other companies + combined net worth →
BADLEY, Simon Andrew→
Activedirector · ~59y · appointed 2019-07-12
View their other companies + combined net worth →
GILBERT, Laura Anne→
Activedirector · ~50y · appointed 2026-02-18
View their other companies + combined net worth →
BAILEY, Daryl Sherwin→
Resignedsecretary · appointed 2006-07-20 · resigned 2017-03-06
DURRANT, Zoe Vivienne→
Resignedsecretary · appointed 1996-10-01 · resigned 1999-12-02
GRAY, Elizabeth Andrea→
Resignedsecretary · appointed 2004-06-01 · resigned 2006-05-05
HAM, Richard Laurence→
Resignedsecretary · appointed 2002-11-30 · resigned 2004-06-01
RALPH, Charles Philip→
Resignedsecretary · appointed 2017-03-06 · resigned 2025-03-01
RYDER, Mark→
Resignedsecretary · appointed 2006-03-29 · resigned 2006-07-20
TAYLOR, David→
Resignedsecretary · appointed 1992-05-06 · resigned 1996-10-01
WATERS, Paul Christopher→
Resignedsecretary · appointed 1999-12-02 · resigned 2002-11-30
PINSENT MASONS DIRECTOR LIMITED→
Resignedcorporate-nominee-secretary · appointed 1992-02-04 · resigned 1992-05-06
BAILEY, Daryl Sherwin→
Resigneddirector · ~61y · appointed 2006-06-01 · resigned 2017-03-06
BELL, Phillip William→
Resigneddirector · ~67y · appointed 2001-08-31 · resigned 2008-03-20
BINGHAM, Terry James→
Resigneddirector · ~74y · appointed 1996-12-16 · resigned 1998-06-09
BUTCHER, Stephen Raymond→
Resigneddirector · ~70y · appointed 1998-06-09 · resigned 1999-06-25
CARRUTHERS, James Maxwell→
Resigneddirector · ~72y · appointed 2008-03-18 · resigned 2011-06-22
CULLUM, Peter→
Resigneddirector · ~78y · appointed 2007-09-24 · resigned 2014-12-02
DAVIES, John Arwyn Lewis→
Resigneddirector · ~68y · appointed 1998-01-02 · resigned 1998-05-11
GRAHAM, Ross King→
Resigneddirector · ~79y · appointed 1998-04-01 · resigned 2001-08-31
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
0
Outstanding
0
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Cibc World Markets (In Its Capacity as Security Agent for the Beneficiaries) Cibc World Markets PLC (In Its Capacity as Security Agent for the Beneficiaries) | Deed of accession and charge | 1 property | 05/05/2006 | 12/10/2007 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | A deed of admission to an omnibus letter of set off dated 3RD july 1995 | 1 property | 17/09/2003 | 15/05/2006 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus letter of set-off dated 3 july 1995 | 1 property | 11/09/2003 | 15/05/2006 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | A deed of admission to an omnibus letter of set-off dated 3RD july 1995 and | 1 property | 29/07/2003 | 15/05/2006 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | A deed of admission to an omnibus letter of set off dated 3RD july 1995 (the letter) | 1 property | 23/10/2002 | 15/05/2006 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | A deed of admission to an omnibus letter of set-off dated 3RD july 1995 | 1 property | 09/05/2002 | 15/05/2006 |
Recent filings (173 total)
accounts-with-accounts-type-dormant
accounts · AA
2026-03-11
appoint-person-director-company-with-name-date
officers · AP01
2026-02-21
termination-director-company-with-name-termination-date
officers · TM01
2026-02-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-04
appoint-person-secretary-company-with-name-date
officers · AP03
2025-03-13
appoint-person-director-company-with-name-date
officers · AP01
2025-03-13
termination-director-company-with-name-termination-date
officers · TM01
2025-03-13
termination-secretary-company-with-name-termination-date
officers · TM02
2025-03-13
accounts-with-accounts-type-dormant
accounts · AA
2025-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-05
accounts-with-accounts-type-dormant
accounts · AA
2024-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-04
accounts-with-accounts-type-dormant
accounts · AA
2023-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-06
accounts-with-accounts-type-dormant
accounts · AA
2022-02-15