B & C E INSURANCE LIMITED
🌳Matureactive
03093365 · ltd · incorporated 1995-08-16
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
81/100
Exceptional
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
- 65120Non-life insurance
Investor take
PursueActive trading company with a 74-year-old founder — textbook succession opportunity.
Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 74). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (59/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
44 officers (4 active, 44 linked, 36 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
226 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (104 events)Click to expand
- 2026-01-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-01-01➕LEIPER, Jacqueline Margaret appointeddirector
- 2025-12-08📄accounts-with-accounts-type-fullaccounts · AA
- 2025-09-01➖LAMBLE, Dean Nicholas resigneddirector
- 2025-09-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-06➕SMITH, Kay Louise appointeddirector
- 2025-02-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-13📄accounts-with-accounts-type-fullaccounts · AA
- 2024-06-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-06-01➖HUNTER, Susan Margaret resigneddirector
- 2024-04-15📄memorandum-articlesincorporation · MA
- 2024-04-15📄resolutionresolution · RESOLUTIONS
- 2023-08-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-08-24📄accounts-with-accounts-type-fullaccounts · AA
- 2023-01-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-01-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-01-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-01-01➕LAMBLE, Dean Nicholas appointeddirector
- 2022-12-31➖ISLAM, Jamshaid resigneddirector
- 2022-12-31➖RAMAMURTHY, Chandrasekhar resigneddirector
- 2022-10-14📄accounts-with-accounts-type-fullaccounts · AA
- 2022-04-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-04-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-04-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-04-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-03-31➖ALLOTT, John resigneddirector
- 2022-03-31➖CULLEN, John Macaulay resigneddirector
- 2022-03-31➖MCKINNON, James Frederick resigneddirector
- 2022-03-31➖TERRELL, Stephen resigneddirector
- 2021-09-27📄accounts-with-accounts-type-fullaccounts · AA
- 2021-07-31➖DUNLOP, Jane resignedsecretary
- 2021-07-31➖HOUGH, John William resigneddirector
- 2020-11-24➕HUNTER, Susan Margaret appointeddirector
- 2020-02-21➕DUNLOP, Jane appointedsecretary
- 2020-02-21➖PALFREY, Karen Elizabeth resignedsecretary
- 2019-11-18➖SOUTHWORTH, John Ashurst resigneddirector
- 2019-07-29➕PALFREY, Karen Elizabeth appointedsecretary
- 2019-05-20➖HARRATT, Lydia Florinette Gabrielle resignedsecretary
- 2018-09-01➕ISLAM, Jamshaid appointeddirector
- 2018-08-01➕MCKINNON, James Frederick appointeddirector
- 2018-07-20➕BILLINGHAM, Patricia Marusia appointeddirector
- 2018-05-31➖RYE, Brian Peter resigneddirector
- 2018-02-22➖SMALL, Malcolm Fraser resigneddirector
- 2017-09-01➖FIVEASH, James Graham resigneddirector
- 2017-02-06➕HARRATT, Lydia Florinette Gabrielle appointedsecretary
- 2016-11-14➕ALLOTT, John appointeddirector
- 2016-11-14➖BLACKMAN, Robert John resigneddirector
- 2016-04-30➖FORSTER, Paul Martin resignedsecretary
- 2015-12-21➕RYE, Brian Peter appointeddirector
- 2015-08-26➖MURPHY, Stephen David resigneddirector
Showing most recent 50 of 104 events
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 16 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 74 — succession pressure is live.
Succession & seller-readiness
73/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 16 years.
- 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.)
Group structure
People's Partnership Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
People's Partnership Limited
Corporate parent · holds 75-100% shares · board control
⬇
B & C E INSURANCE LIMITED
This company · 03093365
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 |
|---|---|---|---|---|
People's Partnership Limited 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
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|---|---|---|---|---|---|---|---|
| ANTHRACITES PROPERTIES LIMITED→ 15404045 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| APEX-INS CONSULTANTS LIMITED→ 16051146 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ASH MORTGAGES LTD→ 12252465 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ASSEMBLY PAYMENTS UK LTD→ 12948924 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ASSET FINANCING LIMITED→ 02663836 · est 1991 · no financials extracted | — | — | — | — | 34y | — | — |
| ASSET LOANS & LEASING FINANCE LTD→ 16818502 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AVALON OPTIONS LIMITED→ 07574766 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| AXA ASSISTANCE (U.K.) LIMITED→ 02638890 · est 1991 · no financials extracted | — | — | — | — | 34y | — | — |
| AXIOM FINANCIAL PLANNING LIMITED→ 07191789 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| B FINANCIAL LIMITED→ 11073299 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| B.C.F. TRAVEL CLUB LTD→ 07611276 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BAKER'S STORES,LIMITED→ 00231844 · est 1928 · no financials extracted | — | — | — | — | 97y | — | — |
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
Incorporated1995-08-16
Jurisdictionengland-wales
Primary SIC65110 — Life insurance
Registered office
Manor Royal
Crawley
West Sussex
RH10 9QP
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-06
Last: 2025-08-23
Officers (4 active · 40 resigned)
BILLINGHAM, Patricia Marusia→
Activedirector · ~74y · appointed 2018-07-20
View their other companies + combined net worth →
HEATH-LAY, Patrick Iain→
Activedirector · ~58y · appointed 2010-08-09
View their other companies + combined net worth →
LEIPER, Jacqueline Margaret→
Activedirector · ~54y · appointed 2026-01-01
View their other companies + combined net worth →
SMITH, Kay Louise→
Activedirector · ~49y · appointed 2025-02-06
View their other companies + combined net worth →
DUNLOP, Jane→
Resignedsecretary · appointed 2020-02-21 · resigned 2021-07-31
FORSTER, Paul Martin→
Resignedsecretary · appointed 2015-08-10 · resigned 2016-04-30
HARRATT, Lydia Florinette Gabrielle→
Resignedsecretary · appointed 2017-02-06 · resigned 2019-05-20
MCMANUS, David Bryn→
Resignedsecretary · appointed 2006-04-01 · resigned 2008-12-31
MILTON, Clair Elizabeth→
Resignedsecretary · appointed 2009-01-30 · resigned 2014-12-31
PALFREY, Karen Elizabeth→
Resignedsecretary · appointed 2019-07-29 · resigned 2020-02-21
STEER, Reginald Walter→
Resignedsecretary · appointed 1995-08-16 · resigned 2006-03-31
WILLIAMS, Sally Jane→
Resignedsecretary · appointed 2015-01-01 · resigned 2015-08-10
ALLOTT, John→
Resigneddirector · ~64y · appointed 2016-11-14 · resigned 2022-03-31
BLACKMAN, Robert John→
Resigneddirector · ~76y · appointed 2001-01-01 · resigned 2016-11-14
BRUMWELL, George Brent→
Resigneddirector · ~87y · appointed 1995-08-16 · resigned 2005-11-08
CAMPBELL, Robert David→
Resigneddirector · ~72y · appointed 1995-08-16 · resigned 1997-10-17
CHILCOT, John Anthony, The Rt Hon Sir→
Resigneddirector · ~87y · appointed 1999-09-24 · resigned 2013-11-08
COWAN, Ralph→
Resigneddirector · ~99y · appointed 1995-08-16 · resigned 2000-07-31
CULLEN, John Macaulay→
Resigneddirector · ~70y · appointed 2014-02-11 · resigned 2022-03-31
FIVEASH, James Graham→
Resigneddirector · ~52y · appointed 2011-05-11 · resigned 2017-09-01
Click a director name to see their full track record across all companies.
Recent filings (226 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-01-06
accounts-with-accounts-type-full
accounts · AA
2025-12-08
termination-director-company-with-name-termination-date
officers · TM01
2025-09-01
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-27
appoint-person-director-company-with-name-date
officers · AP01
2025-02-06
accounts-with-accounts-type-full
accounts · AA
2024-09-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-28
termination-director-company-with-name-termination-date
officers · TM01
2024-06-03
memorandum-articles
incorporation · MA
2024-04-15
resolution
resolution · RESOLUTIONS
2024-04-15
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-08-25
accounts-with-accounts-type-full
accounts · AA
2023-08-24
appoint-person-director-company-with-name-date
officers · AP01
2023-01-09
termination-director-company-with-name-termination-date
officers · TM01
2023-01-09