ABLE INSURANCE SERVICES LIMITED

🌳Matureactive

02890075 · ltd · incorporated 1994-01-21

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: Non-life insurance

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 77/100 (strong), bankability 77/100. Strong seller-intent signal (60/100, director aged 59). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 26.5y

35/100

too messy

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

· Oldest live charge is 26.5 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 30/100 — 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

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

32 officers (9 active, 32 linked, 25 with DOB)

Ownership & PSC

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

Director network

15 connected companies via shared directors

Filing history

186 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

filing

• 1 confirmation-statement

Last 180 days

filings

• 2 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (82 events)Click to expand

2026-01-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-19
➕
CARGILL, Scott William appointed
director
2025-11-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-04
➕
JONES, Christopher Richard appointed
director
2025-11-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-10-07
📄
accounts-with-accounts-type-full
accounts · AA
2025-09-26
📄
capital-allotment-shares
capital · SH01
2025-09-17
➖
MONDINI-DE-FOCATIIS, Milena resigned
director
2024-09-18
📄
accounts-with-accounts-type-full
accounts · AA
2024-06-17
📄
capital-allotment-shares
capital · SH01
2024-04-25
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-04-23
➕
ZEIDLER, Philip Douglas Burgoyne appointed
director
2024-02-21
📄
second-filing-capital-allotment-shares
capital · RP04SH01
2023-08-10
📄
accounts-with-accounts-type-full
accounts · AA
2023-07-20
📄
capital-allotment-shares
capital · SH01
2022-10-17
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2022-10-14
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2022-10-05
📄
accounts-with-accounts-type-full
accounts · AA
2022-10-04
📄
capital-allotment-shares
capital · SH01
2022-09-27
➕
WADE, Jarlath appointed
secretary
2022-09-27
➖
COOPER, Chloe Anne resigned
secretary
2022-05-26
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-05-13
➕
BREM, Andrew Peter David appointed
director
2022-02-01
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-10-08
📄
accounts-with-accounts-type-full
accounts · AA
2021-06-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-06-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-06-08
➕
SHELTON, Mark Jonathan Thorneycroft appointed
director
2021-06-08
➕
MONDINI-DE-FOCATIIS, Milena appointed
director
2021-01-04
➕
COBLEY, Daniel Owen appointed
director
2020-11-02
➕
CORIAT, Claire-Anne appointed
director
2020-11-02
➕
HUNTINGTON, Emma Elizabeth appointed
director
2020-11-02
➕
COOPER, Chloe Anne appointed
secretary
2020-11-02
➖
WATERS, Mark Robert resigned
secretary
2020-11-02
➖
CLARKE, Stuart David resigned
director
2020-11-02
➖
GABRIEL, Mark Andrew resigned
director
2018-10-10
➖
PRICE, Christopher Michael resigned
director
2013-09-11
➖
STEVENS, David Graham resigned
director
2013-08-13
➕
GABRIEL, Mark Andrew appointed
director
2012-12-27
➕
CLARKE, Stuart David appointed
director
2012-11-28
➖
MARISSEN, Peter Roelof resigned
director
2012-05-25
➖
WENG-KAN, Francis Nicolas resigned
director
2012-03-19
➖
CHIDWICK, Kevin resigned
director
2008-12-12
➕
WENG-KAN, Francis Nicolas appointed
director
2008-09-26
➖
CLARKE, Stuart David resigned
secretary
2008-09-26
➕
WATERS, Mark Robert appointed
secretary
2008-06-06
➖
ENGELHARDT, Henry Allan resigned
director
2008-05-21
➕
CHIDWICK, Kevin appointed
director
2008-05-21
➕
MARISSEN, Peter Roelof appointed
director
2008-02-28
➖
ARMSTRONG, Katherine Jane resigned
director

Showing most recent 50 of 82 events

Owner dependency

48/100

Moderate — manageable with handover

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

FACTORS

-8 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

40/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.

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

Admiral Group Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Admiral Group Plc

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

ABLE INSURANCE SERVICES LIMITED

This company · 02890075

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
Admiral Group Plc Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	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

Active · Financial services · CF postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
1CLICK 2GO OPPORTUNITY INVESTMENT MORTGAGE BOND LTD→ 13796758 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
2 EXP FINANCIAL SERVICES LIMITED→ 10235420 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
7336 LIMITED→ 15141768 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
8C FINANCIAL SERVICES LTD→ 10210572 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
A & H INDEPENDENT FINANCIAL SERVICES LTD→ 03198824 · est 1996 · no financials extracted	—	—	—	—	29y	—	—
A C & J FINANCIAL SERVICES LTD→ 10113380 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
A D ASSET MANAGEMENT LTD→ 11532681 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
AA HOLDINGS BRIDGEND LTD→ 15750510 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ABBY LEWIS CONSULTING LTD.→ 09125911 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
ABER PROPERTY LTD→ 16819698 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ABOUT LENDING LIMITED→ 13513027 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
ABOUT LENDING SPV1 LIMITED→ 13653416 · est 2021 · no financials extracted	—	—	—	—	4y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated1994-01-21

Jurisdictionengland-wales

Primary SIC65120 — Non-life insurance

Registered office

Ty Admiral

David Street

Cardiff

CF10 2EH

United Kingdom

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-02-15

Last: 2026-02-01