BARBON INSURANCE GROUP LIMITED
🌳Matureactive
03135797 · ltd · incorporated 1995-12-08
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
78/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueActive trading company with a 66-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (73/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
9 live charges · 5 lenders · oldest 30.0y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 30.0 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 38/100 — 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
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
59 officers (3 active, 59 linked, 51 with DOB)
87
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
20 connected companies via shared directors
90
Filing history
275 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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (154 events)Click to expand
- 2026-01-15➖BROWN, Ryan Christopher resigneddirector
- 2026-01-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-14📄accounts-with-accounts-type-fullaccounts · AA
- 2024-11-22📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-22📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-21📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-20📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-21➖CHADWICK, Timothy John resigneddirector
- 2024-10-05📄accounts-with-accounts-type-fullaccounts · AA
- 2024-10-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-30➖JOHNSON, Paul Mark resigneddirector
- 2024-09-13➖PAYNE, Joanne resigneddirector
- 2024-09-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-08-05➕FAWCETT, Claire Mary appointeddirector
- 2024-08-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-30📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-29➕CLARK, Roy John appointeddirector
- 2024-07-26📄memorandum-articlesincorporation · MA
- 2024-07-26📄resolutionresolution · RESOLUTIONS
- 2024-05-08➖WINKETT, David James resigneddirector
- 2024-05-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-01➖PIETRUSKA, Alexander Michael resigneddirector
- 2024-03-20➖MCMANUS, Brendan James resigneddirector
- 2024-03-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-11-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-11-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-09-26📄accounts-with-accounts-type-fullaccounts · AA
- 2023-07-18📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-21➕PAYNE, Joanne appointeddirector
- 2023-01-16➕WINKETT, David James appointeddirector
- 2022-12-31➖ANDREWS, Fiona resigneddirector
- 2022-03-16🔓Charge satisfied #9
- 2022-03-16🔓Charge satisfied #8
- 2022-02-28🔒Charge registered #10Lender: Lucid Trustee Services Limited as Security Agent
- 2021-11-09➕ANDREWS, Fiona appointeddirector
- 2021-11-09➕JOHNSON, Paul Mark appointeddirector
- 2021-08-05➕CHADWICK, Timothy John appointeddirector
- 2021-02-02🔒Charge registered #9Lender: Midcap Financial (Ireland) Limited
- 2021-02-02🔒Charge registered #8Lender: Midcap Financial (Ireland) Limited
- 2020-12-01➖SCREETON, Philip resignedsecretary
- 2020-12-01➕BROWN, Ryan Christopher appointeddirector
- 2020-12-01➕MCMANUS, Brendan James appointeddirector
- 2020-12-01➖SCREETON, Philip resigneddirector
- 2020-12-01➖TOTTY, Martin Richard resigneddirector
- 2019-11-14➖MCMANUS, Brendan James resigneddirector
- 2019-11-04➕HALSTEAD, Andrew John appointeddirector
- 2019-08-31➖WITHERSPOON, Mark Stephen resigneddirector
- 2017-03-01➕WITHERSPOON, Mark Stephen appointeddirector
Showing most recent 50 of 154 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
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
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
Pib Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Pib Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
BARBON INSURANCE GROUP LIMITED
This company · 03135797
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 |
|---|---|---|---|---|
Pib Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 26/09/2023 |
1 historic (ceased) PSC
- Barbon Holdings Limitedceased 26/09/2023· 75-100% shares · 75-100% voting · board control
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 · LN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 3D MORTGAGES LTD→ 13225814 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 3R FINANCIAL ADVISERS LTD→ 12754370 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 3R FINANCIAL SERVICES LTD→ 08454259 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| 8013B LIMITED→ 12245974 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| A.WAUGH INSPECTIONS LTD→ 10703436 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ALTERNATIVE COMMERCIAL FINANCE LIMITED→ 08547499 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AMELIO INVESTMENTS LIMITED→ 15980117 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARC BROKER SERVICES LIMITED→ 11224505 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AUTOFUND LIMITED→ 10296941 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| B B MORTGAGES LTD→ 08057085 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| BEDROCK LAND LIMITED→ 16983713 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BIRCHMOUNT SOLUTIONS LTD→ 11100282 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated1995-12-08
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
Hestia House
Edgewest Road
Lincoln
LN6 7EL
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-05-14
Last: 2026-04-30
Officers (3 active · 56 resigned)
CLARK, Roy John→
Activedirector · ~66y · appointed 2024-07-29
View their other companies + combined net worth →
FAWCETT, Claire Mary→
Activedirector · ~45y · appointed 2024-08-05
View their other companies + combined net worth →
HALSTEAD, Andrew John→
Activedirector · ~65y · appointed 2019-11-04
View their other companies + combined net worth →
BELLIS, Juliet Mary Susan→
Resignedsecretary · appointed 2002-08-19 · resigned 2007-11-29
GACKOWSKI, Stefan→
Resignedsecretary · appointed 2014-01-06 · resigned 2015-05-06
JOHNSON, Robin Simon→
Resignedsecretary · appointed 2007-11-29 · resigned 2008-10-01
SARGENT, Gavin Roy→
Resignedsecretary · appointed 1996-01-19 · resigned 2002-08-19
SCREETON, Philip→
Resignedsecretary · appointed 2015-05-06 · resigned 2020-12-01
YE, Christina Hong→
Resignedsecretary · appointed 2008-10-01 · resigned 2013-12-10
M W DOUGLAS & COMPANY LIMITED→
Resignedcorporate-nominee-secretary · appointed 1995-12-08 · resigned 1996-01-15
ANDREWS, Fiona→
Resigneddirector · ~66y · appointed 2021-11-09 · resigned 2022-12-31
ARMITAGE, Mark Nicholas→
Resigneddirector · ~64y · appointed 2012-09-19 · resigned 2013-05-01
ASHBOLT, Timothy John→
Resigneddirector · ~70y · appointed 2003-08-15 · resigned 2005-01-13
BELLIS, Neil Graham→
Resigneddirector · ~72y · appointed 2002-08-19 · resigned 2003-07-08
BOWDEN, Peter→
Resigneddirector · ~75y · appointed 1996-01-23 · resigned 2002-08-19
BOYLE, John→
Resigneddirector · ~68y · appointed 2008-05-12 · resigned 2011-12-13
BRINDLEY, Steven John→
Resigneddirector · ~66y · appointed 2000-09-01 · resigned 2006-09-21
BROADHEAD, Mark William→
Resigneddirector · ~68y · appointed 2012-04-02 · resigned 2013-03-31
BROWN, Ryan Christopher→
Resigneddirector · ~53y · appointed 2020-12-01 · resigned 2026-01-15
CHADWICK, Timothy John→
Resigneddirector · ~55y · appointed 2021-08-05 · resigned 2024-10-21
Click a director name to see their full track record across all companies.
Mortgages & charges
9
Total charges
1
Outstanding
1
Active lenders
Status:Lender:9 of 9 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lucid Trustee Services as Security Agent Lucid Trustee Services Limited as Security Agent | A registered charge | 1 property | 28/02/2022 | — | |
| satisfied | Midcap Financial (Ireland) Midcap Financial (Ireland) Limited | A registered charge | 1 property | 02/02/2021 | 16/03/2022 | |
| satisfied | Midcap Financial (Ireland) Midcap Financial (Ireland) Limited | A registered charge | 1 property | 02/02/2021 | 16/03/2022 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC as Agent and Trustee for Each of the Secured Creditors | Deed of accession to a security agreement | 1 property | 07/09/2009 | 23/07/2015 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Debenture | 1 property | 18/08/2004 | 05/06/2008 | |
| satisfied | Barclays Barclays Bank PLC | Guarantee & debenture | 1 property | 29/01/2003 | 29/10/2004 | |
| satisfied | Barclays Barclays Bank PLC | Guarantee and debenture | 1 property | 24/04/2001 | 29/10/2004 | |
| satisfied | Barclays Barclays Bank PLC | Guarantee and debenture | 1 property | 19/05/1998 | 29/10/2004 | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 01/05/1996 | 29/10/2004 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (275 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-30
termination-director-company-with-name-termination-date
officers · TM01
2026-01-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-30
accounts-with-accounts-type-full
accounts · AA
2025-08-14
change-person-director-company-with-change-date
officers · CH01
2024-11-22
change-person-director-company-with-change-date
officers · CH01
2024-11-22
change-person-director-company-with-change-date
officers · CH01
2024-11-21
change-person-director-company-with-change-date
officers · CH01
2024-11-20
termination-director-company-with-name-termination-date
officers · TM01
2024-10-22
accounts-with-accounts-type-full
accounts · AA
2024-10-05
termination-director-company-with-name-termination-date
officers · TM01
2024-10-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-30
termination-director-company-with-name-termination-date
officers · TM01
2024-09-13
appoint-person-director-company-with-name-date
officers · AP01
2024-08-05
appoint-person-director-company-with-name-date
officers · AP01
2024-07-30