ADVENT INSURANCE SERVICES LIMITED

🌳Matureactive
03573045 · ltd · incorporated 1998-06-01
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 28.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£211.5k
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
Asset-holding vehicle with a 78-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 78). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 28.0y

85/100
ready

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

  • · Oldest live charge is 28.0 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (78/100)

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
8 officers (4 active, 8 linked, 2 with DOB)
75
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
85 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £211,522
Net assets shrinking
Down £54,112 YoY
Cash YoY
+9%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£367k
↑ 9.2% YoY
Net Worth
£212k
↓ 20% YoY
Current Assets
£881k
↓ 12% YoY
Current Liabilities
—
£0£201k£402k£604k£805k£1.0mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£211.5k£265.6k
Current assets£881.0k£1.01M
Cash£366.7k£335.8k
Debtors£514.2k£670.1k
Net assets£211.5k£265.6k

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

🔒Filing-note intelligence

2 signals 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
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2025-12-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-06-16
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  3. 2024-12-19
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2023-12-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2023-04-25
    📄
    capital-name-of-class-of-shares
    capital · SH08
  6. 2023-04-25
    📄
    memorandum-articles
    incorporation · MA
  7. 2023-04-25
    📄
    resolution
    resolution · RESOLUTIONS
  8. 2023-04-17
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  9. 2022-12-16
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2022-06-08
    ➕
    STATHAM, Thomas William Arthur appointed
    secretary
  11. 2022-05-31
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  12. 2022-05-31
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2021-12-21
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2020-12-10
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  15. 2019-12-18
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  16. 2019-09-30
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  17. 2018-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2018-07-30
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  19. 2018-07-30
    🔓
    Charge satisfied #1
  20. 2003-10-01
    ➕
    WALKER, Sarah appointed
    secretary
  21. 2003-09-30
    ➖
    PRICE, Richard David resigned
    secretary
  22. 2002-04-15
    ➕
    PRICE, Richard David appointed
    secretary
  23. 2002-04-15
    ➖
    STATHAM, Neville John resigned
    secretary
  24. 1998-06-16
    🔒
    Charge registered #1
    Lender: Midland Bank PLC
  25. 1998-06-01
    🏢
    Company incorporated
    As ADVENT INSURANCE SERVICES LIMITED
  26. 1998-06-01
    ➕
    STATHAM, Neville John appointed
    director
  27. 1998-06-01
    ➕
    STATHAM, Pamela appointed
    director
  28. 1998-06-01
    ➕
    STATHAM, Neville John appointed
    secretary
  29. 1998-06-01
    ➕
    LONDON LAW SECRETARIAL LIMITED appointed
    corporate-nominee-secretary
  30. 1998-06-01
    ➖
    LONDON LAW SECRETARIAL LIMITED resigned
    corporate-nominee-secretary
  31. 1998-06-01
    ➕
    LONDON LAW SERVICES LIMITED appointed
    corporate-nominee-director
  32. 1998-06-01
    ➖
    LONDON LAW SERVICES LIMITED resigned
    corporate-nominee-director

Owner dependency

91/100
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 28 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 78 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100
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 78 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 28 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 28 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Pamela Statham
Individual · British · DOB 06/1951 · age 75
25–50%
—25-50% shares31/05/2022
Mr Neville John Statham
Individual · British · DOB 04/1948 · age 78
25–50%
—25-50% shares01/06/2016

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 →

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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
Incorporated1998-06-01
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance

Registered office

1st Floor Business House
23 Church Road Bishops Cleeve
Cheltenham
Gloucestershire
GL52 8LR

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-20
Last: 2025-11-06

Officers (4 active · 4 resigned)

STATHAM, Thomas William Arthur→
secretary · appointed 2022-06-08
View their other companies + combined net worth →
Active
WALKER, Sarah→
secretary · appointed 2003-10-01
View their other companies + combined net worth →
Active
STATHAM, Neville John→
director · ~78y · appointed 1998-06-01
View their other companies + combined net worth →
Active
STATHAM, Pamela→
director · ~75y · appointed 1998-06-01
View their other companies + combined net worth →
Active
PRICE, Richard David→
secretary · appointed 2002-04-15 · resigned 2003-09-30
Resigned
STATHAM, Neville John→
secretary · appointed 1998-06-01 · resigned 2002-04-15
Resigned
LONDON LAW SECRETARIAL LIMITED→
corporate-nominee-secretary · appointed 1998-06-01 · resigned 1998-06-01
Resigned
LONDON LAW SERVICES LIMITED→
corporate-nominee-director · appointed 1998-06-01 · resigned 1998-06-01
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Midland Bank
Midland Bank PLC
Debenture1 property16/06/199830/07/2018

Recent filings (85 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-06
change-person-secretary-company-with-change-date
officers · CH03
2025-06-16
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-07
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-27
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-07
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-26
capital-name-of-class-of-shares
capital · SH08
2023-04-25
memorandum-articles
incorporation · MA
2023-04-25
resolution
resolution · RESOLUTIONS
2023-04-25
appoint-person-secretary-company-with-name-date
officers · AP03
2023-04-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-07
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-05-31