COMMERCIAL INSURANCE SERVICES LIMITED
🌳Matureactive
03364024 · ltd · incorporated 1997-05-01
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
—
year to Dec 2025
Net worth
£654.7k
book net assets
Opportunity
78/100
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 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 0.4y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.4 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
9 officers (3 active, 9 linked, 5 with DOB)
81
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
84 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
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £654,677
Cash YoY
+76163%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£14k
↑ 76163% YoY
Net Worth
£655k
↑ 351% YoY
Current Assets
£614k
↑ 7173% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Total assets | £654.7k | £145.2k |
| Current assets | £614.0k | £8.4k |
| Cash | £14.5k | £19 |
| Debtors | £599.5k | £8.4k |
| Net assets | £654.7k | £145.2k |
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
0
filings
Last 90 days
5
filings
- • 3 officers
- • 1 persons-with-significant-control
- • 1 confirmation-statement
Last 180 days
7
filings
- • 3 officers
- • 1 persons-with-significant-control
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
- 2026-06-04📄change-person-director-company-with-change-dateofficers · CH01
- 2026-06-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-05-08➕ROWLAND, Joanna appointeddirector
- 2026-05-08➖BEAMS, Alan Derek resigneddirector
- 2026-05-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-05-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-02🔒Charge registered #1Lender: Intact UK Finance Company Limited
- 2026-02-12📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-08-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-09-09📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-09-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-04-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-17➕BEAMS, Alan Derek appointeddirector
- 2022-08-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-09-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-09-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-10-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-09-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-07-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-05-09➕ALLEN, Stuart William appointedsecretary
- 2011-04-20➖GLOVER, Donald William Frederick resignedsecretary
- 2004-05-01➖SHELLEY, David James resigneddirector
- 2000-05-31➖REDDINGS, Tracey Lynn resigneddirector
- 1999-05-23➕ALLEN, Stuart William appointeddirector
- 1997-06-27➕GLOVER, Donald William Frederick appointedsecretary
- 1997-06-27➖M W DOUGLAS & COMPANY LIMITED resignedcorporate-nominee-secretary
- 1997-06-27➕REDDINGS, Tracey Lynn appointeddirector
- 1997-06-27➕SHELLEY, David James appointeddirector
- 1997-06-27➖DOUGLAS NOMINEES LIMITED resignedcorporate-nominee-director
- 1997-05-01🏢Company incorporatedAs COMMERCIAL INSURANCE SERVICES LIMITED
- 1997-05-01➕M W DOUGLAS & COMPANY LIMITED appointedcorporate-nominee-secretary
- 1997-05-01➕DOUGLAS NOMINEES LIMITED appointedcorporate-nominee-director
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 27 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
cleanNo 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 Stuart William Allen Individual · British · DOB 10/1972 · age 54 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/01/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
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| COLTON EDWARDS LIMITED→ 10110004 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| CORPORATE ASSET RISK MANAGEMENT LTD→ 16576727 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CSC CAPITAL LIMITED→ 13145193 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CYC INVESTMENT LIMITED→ 11666773 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| D G S MORTGAGE SOLUTIONS LTD→ 05969935 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
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
Incorporated1997-05-01
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
47a High Street
Banstead
Surrey
SM7 2NL
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-05-15
Last: 2026-05-01
Officers (3 active · 6 resigned)
ALLEN, Stuart William→
Activesecretary · appointed 2016-05-09
View their other companies + combined net worth →
ALLEN, Stuart William→
Activedirector · ~54y · appointed 1999-05-23
View their other companies + combined net worth →
ROWLAND, Joanna→
Activedirector · ~48y · appointed 2026-05-08
View their other companies + combined net worth →
GLOVER, Donald William Frederick→
Resignedsecretary · appointed 1997-06-27 · resigned 2011-04-20
M W DOUGLAS & COMPANY LIMITED→
Resignedcorporate-nominee-secretary · appointed 1997-05-01 · resigned 1997-06-27
BEAMS, Alan Derek→
Resigneddirector · ~59y · appointed 2023-04-17 · resigned 2026-05-08
REDDINGS, Tracey Lynn→
Resigneddirector · ~60y · appointed 1997-06-27 · resigned 2000-05-31
SHELLEY, David James→
Resigneddirector · ~60y · appointed 1997-06-27 · resigned 2004-05-01
DOUGLAS NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 1997-05-01 · resigned 1997-06-27
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 | Intact UK Finance Company Intact UK Finance Company Limited | A registered charge | 1 property | 02/03/2026 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (84 total)
change-person-director-company-with-change-date
officers · CH01
2026-06-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-06-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-26
termination-director-company-with-name-termination-date
officers · TM01
2026-05-08
appoint-person-director-company-with-name-date
officers · AP01
2026-05-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-02-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-08-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-09-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-04
appoint-person-director-company-with-name-date
officers · AP01
2023-04-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-08-18