MARKERSTUDY DIRECT LIMITED
🌳Matureactive
03228539 · ltd · incorporated 1996-07-23
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 20.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueActive trading company with a 61-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (60/100, director aged 61). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
4 live charges · 2 lenders · oldest 20.9y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 20.9 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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
22 officers (4 active, 22 linked, 16 with DOB)
85
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
24 connected companies via shared directors
90
Filing history
153 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 officers
Last 90 days
1
filing
- • 1 officers
Last 180 days
1
filing
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (70 events)Click to expand
- 2026-04-29📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-24📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-09-17📄legacyaccounts · PARENT_ACC
- 2025-09-17📄legacyother · GUARANTEE2
- 2025-09-17📄legacyother · AGREEMENT2
- 2024-10-30📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-10-05📄legacyaccounts · PARENT_ACC
- 2024-10-05📄legacyother · AGREEMENT2
- 2024-10-05📄legacyother · GUARANTEE2
- 2024-06-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-06-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-06-26🔓Charge satisfied #4
- 2024-06-26🔓Charge satisfied #3
- 2024-06-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-06-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-06-18➖BARRINGTON, Ross Leslie resigneddirector
- 2024-06-18➖COLLINGS, Christopher Thomas resigneddirector
- 2023-12-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-11-20➖BARBER, Keith John resigneddirector
- 2023-11-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-13➕PAYNE, Christopher James appointeddirector
- 2023-11-13➕SMITH, Stephen appointeddirector
- 2023-09-23📄accounts-with-accounts-type-fullaccounts · AA
- 2023-04-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-03-29➖DONALDSON, Matthew Oliver resigneddirector
- 2023-01-04📄accounts-with-accounts-type-fullaccounts · AA
- 2022-08-31➖ROWE, Gavin John resigneddirector
- 2022-08-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-12-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-12-23🔒Charge registered #4Lender: Glas Trust Corporation Limited as Security Trustee
- 2021-11-02➕BARRINGTON, Ross Leslie appointeddirector
- 2021-11-02➖BRITTAIN, Michael Richard resigneddirector
- 2021-11-02➖HUMPHREYS, Gary resigneddirector
- 2021-11-02➕ROWE, Gavin John appointeddirector
- 2021-09-13🔒Charge registered #3Lender: Glas Trust Corporation Limited as Security Trustee
- 2021-09-06➕DONALDSON, Matthew Oliver appointeddirector
- 2021-07-14➖JACKSON, John David resigneddirector
- 2018-10-01➕COLLINGS, Christopher Thomas appointeddirector
- 2018-10-01➕JACKSON, John David appointeddirector
- 2018-08-31➖BAXTER, Paul David resigneddirector
- 2018-02-09➕BAXTER, Paul David appointeddirector
- 2016-04-30➖BENCE, Russell James resigneddirector
- 2015-09-18➕PAYNE, Christopher James appointedsecretary
- 2015-09-18➖HAYWARD, Susan Elizabeth resignedsecretary
- 2015-02-23➕BENCE, Russell James appointeddirector
- 2015-02-23➕BRITTAIN, Michael Richard appointeddirector
- 2012-02-04🔓Charge satisfied #2
- 2012-02-04🔓Charge satisfied #1
- 2011-09-13➖BARBER, Keith John resignedsecretary
Showing most recent 50 of 70 events
Owner dependency
68/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
53/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondary12+ year tenure: Director in role 18 years.
- 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
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Markerstudy Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Markerstudy Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
MARKERSTUDY DIRECT LIMITED
This company · 03228539
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 |
|---|---|---|---|---|
Markerstudy Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 15/07/2021 |
2 historic (ceased) PSCs
- Mr Kevin Ronald Spencerceased 15/07/2021· 75-100% shares
- Markerstudy Holdings Limitedceased 06/04/2016· 75-100% shares
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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|---|---|---|---|---|---|---|---|
| 12 CAPITAL INVESTMENTS LIMITED→ 14630828 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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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
Incorporated1996-07-23
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
45 Westerham Road
Bessels Green
Sevenoaks
Kent
TN13 2QB
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-08-20
Last: 2025-08-06
Officers (4 active · 18 resigned)
PAYNE, Christopher James→
Activesecretary · appointed 2015-09-18
View their other companies + combined net worth →
PAYNE, Christopher James→
Activedirector · ~47y · appointed 2023-11-13
View their other companies + combined net worth →
SMITH, Stephen→
Activedirector · ~50y · appointed 2023-11-13
View their other companies + combined net worth →
SPENCER, Kevin Ronald→
Activedirector · ~61y · appointed 2007-12-21
View their other companies + combined net worth →
BARBER, Keith John→
Resignedsecretary · appointed 2007-12-21 · resigned 2011-09-13
HAYWARD, Susan Elizabeth→
Resignedsecretary · appointed 2011-09-13 · resigned 2015-09-18
PORTMAN, Lorna Yvonne→
Resignedsecretary · appointed 2002-03-14 · resigned 2007-12-21
SCOTT, Stephen John→
Resignednominee-secretary · appointed 1996-07-23 · resigned 1996-07-23
SOHAL, Swaranjit Singh→
Resignedsecretary · appointed 1997-02-01 · resigned 2002-03-14
ANDREWS, Dennis→
Resigneddirector · ~82y · appointed 1997-02-01 · resigned 2007-12-21
BARBER, Keith John→
Resigneddirector · ~52y · appointed 2007-12-21 · resigned 2023-11-20
BARRINGTON, Ross Leslie→
Resigneddirector · ~46y · appointed 2021-11-02 · resigned 2024-06-18
BAXTER, Paul David→
Resigneddirector · ~64y · appointed 2018-02-09 · resigned 2018-08-31
BENCE, Russell James→
Resigneddirector · ~53y · appointed 2015-02-23 · resigned 2016-04-30
BRITTAIN, Michael Richard→
Resigneddirector · ~51y · appointed 2015-02-23 · resigned 2021-11-02
COLLINGS, Christopher Thomas→
Resigneddirector · ~71y · appointed 2018-10-01 · resigned 2024-06-18
DONALDSON, Matthew Oliver→
Resigneddirector · ~53y · appointed 2021-09-06 · resigned 2023-03-29
HUMPHREYS, Gary→
Resigneddirector · ~61y · appointed 2007-12-21 · resigned 2021-11-02
JACKSON, John David→
Resigneddirector · ~73y · appointed 2018-10-01 · resigned 2021-07-14
ROWE, Gavin John→
Resigneddirector · ~52y · appointed 2021-11-02 · resigned 2022-08-31
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
0
Outstanding
0
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Glas Trust Corporation as Security Trustee Glas Trust Corporation Limited as Security Trustee | A registered charge | 1 property | 23/12/2021 | 26/06/2024 | |
| satisfied | Glas Trust Corporation as Security Trustee Glas Trust Corporation Limited as Security Trustee | A registered charge | 1 property | 13/09/2021 | 26/06/2024 | |
| satisfied | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 30/09/2005 | 04/02/2012 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 08/07/2005 | 04/02/2012 |
Recent filings (153 total)
change-person-director-company-with-change-date
officers · CH01
2026-04-29
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-09-24
legacy
accounts · PARENT_ACC
2025-09-17
legacy
other · GUARANTEE2
2025-09-17
legacy
other · AGREEMENT2
2025-09-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-08
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-10-30
legacy
accounts · PARENT_ACC
2024-10-05
legacy
other · AGREEMENT2
2024-10-05
legacy
other · GUARANTEE2
2024-10-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-06
mortgage-satisfy-charge-full
mortgage · MR04
2024-06-26
mortgage-satisfy-charge-full
mortgage · MR04
2024-06-26
termination-director-company-with-name-termination-date
officers · TM01
2024-06-19
termination-director-company-with-name-termination-date
officers · TM01
2024-06-19