ALDIUM INSURANCE SERVICES LTD

🌳Matureactive

03278618 · ltd · incorporated 1996-11-15

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 19.7y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

—

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Non-life insurance

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 70). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 19.7y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 19.7 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

11 officers (3 active, 11 linked, 7 with DOB)

Ownership & PSC

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

Director network

4 connected companies via shared directors

Filing history

96 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

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.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-12-31	2023-12-31
Average employees	30	2500

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (41 events)Click to expand

2025-09-15
📄
accounts-with-accounts-type-small
accounts · AA
2024-11-14
📄
capital-allotment-shares
capital · SH01
2024-09-24
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-24
🔓
Charge satisfied #1
2024-08-19
📄
accounts-with-accounts-type-small
accounts · AA
2024-07-18
➕
EVANS, Jonathan Andrew appointed
director
2024-07-18
📄
change-person-director-company-with-change-date
officers · CH01
2024-07-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-06-03
📄
capital-variation-of-rights-attached-to-shares
capital · SH10
2024-05-30
📄
capital-allotment-shares
capital · SH01
2024-02-08
📄
resolution
resolution · RESOLUTIONS
2024-02-06
📄
statement-of-companys-objects
change-of-constitution · CC04
2023-09-28
📄
accounts-with-accounts-type-small
accounts · AA
2022-08-11
📄
accounts-with-accounts-type-small
accounts · AA
2022-04-25
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2022-04-23
➕
EVANS, Jonathan appointed
secretary
2022-04-23
➖
CLARKE, Andrew resigned
secretary
2022-04-23
➖
CLARKE, Andrew resigned
director
2022-04-23
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2022-04-23
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-06-29
📄
accounts-with-accounts-type-small
accounts · AA
2020-12-08
📄
accounts-with-accounts-type-small
accounts · AA
2020-08-14
📄
capital-allotment-shares
capital · SH01
2020-02-24
📄
capital-allotment-shares
capital · SH01
2007-08-27
➖
MIDDLETON, Elaine Margaret resigned
director
2006-09-13
🔒
Charge registered #1
Lender: Hsbc Bank PLC
2005-12-21
➕
CLARKE, Andrew appointed
director
2005-06-17
➖
CLARKE, Andrew resigned
director
2004-04-01
➕
MIDDLETON, Elaine Margaret appointed
director
2002-07-09
➕
PUGH, Stephen Kevin John appointed
director
2002-07-09
➖
GORDON, Phillip Rodney resigned
director
1996-11-15
🏢
Company incorporated
As ALDIUM INSURANCE SERVICES LTD
1996-11-15
➕
CLARKE, Andrew appointed
secretary
1996-11-15
➕
GORDON, Phillip Rodney appointed
secretary
1996-11-15
➖
GORDON, Phillip Rodney resigned
secretary
1996-11-15
➕
SWIFT INCORPORATIONS LIMITED appointed
corporate-nominee-secretary
1996-11-15
➖
SWIFT INCORPORATIONS LIMITED resigned
corporate-nominee-secretary
1996-11-15
➕
CLARKE, Andrew appointed
director
1996-11-15
➕
GORDON, Phillip Rodney appointed
director
1996-11-15
➕
WHITTLE, Robert John appointed
director
1996-11-15
➖
WHITTLE, Robert John resigned
director

Owner dependency

83/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 70 — succession pressure is live.

Succession & seller-readiness

86/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Stephen Kevin John Pugh Individual · British · DOB 04/1956 · age 70	75–100%	—	75-100% shares	01/07/2016

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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Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
4MM LTD→ 07783098 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
A MOVE BROKERS LTD→ 10430934 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
ACCURO UNDERWRITING LTD→ 04118067 · est 2000 · no financials extracted	—	—	—	—	25y	—	—
ACE BIDCO LIMITED→ 11702935 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
ACTURA CAPITAL LTD→ 16978857 · est 2026 · no financials extracted	—	—	—	—	—	—	—
ADAM OWENS FINANCIAL SOLUTIONS LIMITED→ 06496678 · est 2008 · no financials extracted	—	—	—	—	18y	—	—
ADIUTO LIMITED→ 09472644 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
AESTHETICALLY INSURED LIMITED→ 15651615 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
AINSWORTH MORTGAGES LIMITED→ 05360031 · est 2005 · no financials extracted	—	—	—	—	21y	—	—
AIR WATER INVESTMENTS LIMITED→ 13124190 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
ALDIUM LTD→ 06225716 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
ALDIUM MANAGEMENT SERVICES LIMITED→ 04340213 · est 2001 · no financials extracted	—	—	—	—	24y	—	—

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

Incorporated1996-11-15

Jurisdictionengland-wales

Primary SIC65120 — Non-life insurance

Registered office

Viscount House

High Street Neston

South Wirral

CH64 9AD

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-11-28

Last: 2025-11-14

Officers (3 active · 8 resigned)

EVANS, Jonathan→

secretary · appointed 2022-04-23

View their other companies + combined net worth →

Active

EVANS, Jonathan Andrew→

director · ~33y · appointed 2024-07-18

View their other companies + combined net worth →

Active

PUGH, Stephen Kevin John→

director · ~70y · appointed 2002-07-09

View their other companies + combined net worth →

Active

CLARKE, Andrew→

secretary · appointed 1996-11-15 · resigned 2022-04-23

Resigned

GORDON, Phillip Rodney→

secretary · appointed 1996-11-15 · resigned 1996-11-15

Resigned

SWIFT INCORPORATIONS LIMITED→

corporate-nominee-secretary · appointed 1996-11-15 · resigned 1996-11-15

Resigned

CLARKE, Andrew→

director · ~70y · appointed 2005-12-21 · resigned 2022-04-23

Resigned

CLARKE, Andrew→

director · ~70y · appointed 1996-11-15 · resigned 2005-06-17

Resigned

GORDON, Phillip Rodney→

director · ~83y · appointed 1996-11-15 · resigned 2002-07-09

Resigned

MIDDLETON, Elaine Margaret→

director · ~61y · appointed 2004-04-01 · resigned 2007-08-27

Resigned

WHITTLE, Robert John→

director · ~71y · appointed 1996-11-15 · resigned 1996-11-15

Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	satisfied	HSBC Hsbc Bank PLC	Debenture	1 property	13/09/2006	24/09/2024

Recent filings (96 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-11-24

accounts-with-accounts-type-small

accounts · AA

2025-09-15

confirmation-statement-with-updates

confirmation-statement · CS01

2024-11-15

capital-allotment-shares

capital · SH01

2024-11-14

mortgage-satisfy-charge-full

mortgage · MR04

2024-09-24

accounts-with-accounts-type-small

accounts · AA

2024-08-19

change-person-director-company-with-change-date

officers · CH01

2024-07-18

appoint-person-director-company-with-name-date

officers · AP01

2024-07-18

capital-variation-of-rights-attached-to-shares

capital · SH10

2024-06-03

capital-allotment-shares

capital · SH01

2024-05-30

resolution

resolution · RESOLUTIONS

2024-02-08

statement-of-companys-objects

change-of-constitution · CC04

2024-02-06

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-11-24

accounts-with-accounts-type-small

accounts · AA

2023-09-28

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-11-15