EUROPA GROUP LIMITED
🌳Matureactive
03279177 · ltd · incorporated 1996-11-15
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 71/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 0.3y
30/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 0.3 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 28/100 — workable, but lender will want more DD.
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, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
30 officers (4 active, 30 linked, 22 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
144 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 accounts
Last 90 days
2
filings
- • 1 accounts
- • 1 mortgage
Last 180 days
15
filings
- • 9 officers
- • 2 persons-with-significant-control
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (82 events)Click to expand
- 2026-07-14📄accounts-with-accounts-type-mediumaccounts · AA
- 2026-05-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-21🔒Charge registered #1Lender: Geoffrey William Squire
- 2026-04-11📄resolutionresolution · RESOLUTIONS
- 2026-04-10📄memorandum-articlesincorporation · MA
- 2026-03-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-03-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-26📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-03-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-03-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-22➕BOWCOCK, David Edward appointeddirector
- 2026-03-22➕MUSIAL, Marcin appointeddirector
- 2026-03-22➕TITTERINGTON, Sharron Michelle appointeddirector
- 2026-03-22➖SAVAGE, Mark resignedsecretary
- 2026-03-22➖BESSELL, Andrew Colin resigneddirector
- 2026-03-22➖HANLEY, Alyson Elizabeth Helen resigneddirector
- 2026-03-22➖SALTER, Scott Anthony resigneddirector
- 2026-02-06📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2026-02-06📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-01-24➖KING, Mary-Anne resignedsecretary
- 2026-01-24➕SAVAGE, Mark appointedsecretary
- 2026-01-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-01-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-11-18📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-18📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-16📄accounts-with-accounts-type-fullaccounts · AA
- 2025-05-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-05-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-03-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-10➖DIXON, Jonathan resigneddirector
- 2025-03-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-28➖HULBERT, Barry Malcolm resigneddirector
- 2024-07-04➖COLES, Andrew Robert resigneddirector
- 2023-09-01➕HANLEY, Alyson Elizabeth Helen appointeddirector
- 2023-04-01➖KING, Mary-Anne resigneddirector
- 2023-01-01➕WARING, Richard William appointeddirector
- 2023-01-01➕BESSELL, Andrew Colin appointeddirector
- 2023-01-01➕DIXON, Jonathan appointeddirector
- 2022-11-05➖POWELL, Andrew Christopher resigneddirector
- 2022-03-17➖WARING, Richard resigneddirector
- 2020-06-15➕COLES, Andrew Robert appointeddirector
- 2019-12-09➕WARING, Richard appointeddirector
- 2008-08-01➕POWELL, Andrew Christopher appointeddirector
- 2008-07-22➕KING, Mary-Anne appointedsecretary
- 2008-07-21➖BAKER, Peter Tony resignedsecretary
- 2008-07-21➖BAKER, Peter Tony resigneddirector
Showing most recent 50 of 82 events
Owner dependency
40/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
1 med · 1 low5 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: KING, Mary-Anne resigned 2026-01-24; SAVAGE, Mark resigned 2026-03-22; BESSELL, Andrew Colin resigned 2026-03-22
Multiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Principal Group Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Principal Group Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
EUROPA GROUP LIMITED
This company · 03279177
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 |
|---|---|---|---|---|
Principal Group Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 22/03/2026 |
1 historic (ceased) PSC
- Egl Holdings Ltdceased 22/03/2026· 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
Active · Financial services · BS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| EUROPA UNDERWRITING LIMITED→ 03872760 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| EVERYSTEP FINANCIAL LIMITED→ 16512244 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FD COMMERCIAL & BRIDGING LTD→ 11671723 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| FINANCE MY PROPERTY LTD→ 11573717 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| FOALE TRADING LIMITED→ 04553602 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| FORD & COMPANY GENERAL INSURANCE BROKERS LIMITED→ 02918350 · est 1994 · no financials extracted | — | — | — | — | 32y | — | — |
| FORD MARITAGE CONSULTING LIMITED→ 12142874 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| FORWARD THINKING (BRISTOL) LIMITED→ 14589512 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| FOSTER MANAGEMENT & CONSULTANCY LTD→ 17062258 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| FOURSEEN LIMITED→ 04084652 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| FOX DAVIDSON LTD→ 08430288 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| FRASER HEATH MORTGAGE SERVICES LIMITED→ 07394112 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
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
Incorporated1996-11-15
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
Unit 2, West Point Row, Great Park Road
Bradley Stoke
Bristol
BS32 4QG
England
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-11-28
Last: 2025-11-14
Officers (4 active · 26 resigned)
BOWCOCK, David Edward→
Activedirector · ~53y · appointed 2026-03-22
View their other companies + combined net worth →
MUSIAL, Marcin→
Activedirector · ~49y · appointed 2026-03-22
View their other companies + combined net worth →
TITTERINGTON, Sharron Michelle→
Activedirector · ~50y · appointed 2026-03-22
View their other companies + combined net worth →
WARING, Richard William→
Activedirector · ~44y · appointed 2023-01-01
View their other companies + combined net worth →
BAKER, Peter Tony→
Resignedsecretary · appointed 2002-09-20 · resigned 2008-07-21
DEVINE, June Marilyn→
Resignedsecretary · appointed 1996-11-15 · resigned 1997-04-19
FLETT, Colin→
Resignedsecretary · appointed 1997-04-19 · resigned 2002-09-20
KING, Mary-Anne→
Resignedsecretary · appointed 2008-07-22 · resigned 2026-01-24
SAVAGE, Mark→
Resignedsecretary · appointed 2026-01-24 · resigned 2026-03-22
COMBINED SECRETARIAL SERVICES LIMITED→
Resignedcorporate-nominee-secretary · appointed 1996-11-15 · resigned 1996-11-15
BAKER, Peter Tony→
Resigneddirector · ~64y · appointed 2000-04-17 · resigned 2008-07-21
BANKS, Arron Fraser Andrew→
Resigneddirector · ~60y · appointed 1998-10-15 · resigned 2000-11-10
BESSELL, Andrew Colin→
Resigneddirector · ~65y · appointed 2023-01-01 · resigned 2026-03-22
COLES, Andrew Robert→
Resigneddirector · ~61y · appointed 2020-06-15 · resigned 2024-07-04
DIXON, Jonathan→
Resigneddirector · ~61y · appointed 2023-01-01 · resigned 2025-03-10
DONALD, Ian George→
Resigneddirector · ~84y · appointed 2002-10-02 · resigned 2007-12-31
EVANS, Maldwyn→
Resigneddirector · ~81y · appointed 1999-11-29 · resigned 2002-08-15
EVANS, Maldwyn→
Resigneddirector · ~81y · appointed 1997-04-19 · resigned 1999-07-20
FLETT, Colin→
Resigneddirector · ~84y · appointed 1997-04-19 · resigned 2002-09-20
GIST, David→
Resigneddirector · ~84y · appointed 1996-11-15 · resigned 1997-04-19
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Geoffrey William Squire | A registered charge | 1 property | 21/04/2026 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (144 total)
accounts-with-accounts-type-medium
accounts · AA
2026-07-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-01
resolution
resolution · RESOLUTIONS
2026-04-11
memorandum-articles
incorporation · MA
2026-04-10
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-26
termination-director-company-with-name-termination-date
officers · TM01
2026-03-26
termination-director-company-with-name-termination-date
officers · TM01
2026-03-26
termination-director-company-with-name-termination-date
officers · TM01
2026-03-26
termination-secretary-company-with-name-termination-date
officers · TM02
2026-03-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-03-26
appoint-person-director-company-with-name-date
officers · AP01
2026-03-26
appoint-person-director-company-with-name-date
officers · AP01
2026-03-26
appoint-person-director-company-with-name-date
officers · AP01
2026-03-26
appoint-person-secretary-company-with-name-date
officers · AP03
2026-02-06
termination-secretary-company-with-name-termination-date
officers · TM02
2026-02-06