COMPLETE COVER GROUP LIMITED
💤Zombieactive
03578103 · ltd · incorporated 1998-06-09
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 73/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
10 live charges · 8 lenders · oldest 21.5y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 21.5 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (57/100)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
10 charges (10/10 with lender, 10/10 with type)
90
Directors & officers
31 officers (1 active, 31 linked, 25 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
164 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (100 events)Click to expand
- 2025-09-22📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-09-22📄legacyaccounts · PARENT_ACC
- 2025-09-22📄legacyother · GUARANTEE2
- 2025-09-22📄legacyother · AGREEMENT2
- 2025-09-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-12➖BOWN, Barry John resigneddirector
- 2024-10-17📄accounts-with-accounts-type-fullaccounts · AA
- 2024-05-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-10-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-10-13➖LOVE, Charlie resigneddirector
- 2023-10-02📄accounts-with-accounts-type-fullaccounts · AA
- 2023-05-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-25➕SPENCER-CHURCHILL, Edward, Lord appointeddirector
- 2023-04-25➖THAKER, Jayesh Kantilal resigneddirector
- 2023-01-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-01-24➕LOVE, Charlie appointeddirector
- 2023-01-11📄change-person-director-company-with-change-dateofficers · CH01
- 2023-01-09➕BOWN, Barry John appointeddirector
- 2023-01-09➖PRICE, Colin Neil resigneddirector
- 2023-01-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-01-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-10-13📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-09-30➕PRICE, Colin Neil appointeddirector
- 2022-09-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-09-29➖SUTHERLAND, Ian Ronald resigneddirector
- 2022-09-24📄accounts-with-accounts-type-fullaccounts · AA
- 2022-07-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-07-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-07-15➕THAKER, Jayesh Kantilal appointeddirector
- 2022-07-14➖HOOPER, Shaun Ian resigneddirector
- 2022-04-15➖DARLING, Angela Margaret resigneddirector
- 2021-08-31➖BRAITHWAITE, Jonathan David resigneddirector
- 2021-06-30➖BENCE, Russell James resigneddirector
- 2021-04-20🔒Charge registered #10Lender: Glas Trust Corporation Limited as Security Trustee
- 2021-04-20🔒Charge registered #9Lender: Glas Trust Corporation Limited as Security Trustee
- 2021-03-31➖BROWN, Alan David Cumming resigneddirector
- 2021-03-31➖WILLS, Tim Paul resigneddirector
- 2021-01-13➕BENCE, Russell James appointeddirector
- 2021-01-13➕BROWN, Alan David Cumming appointeddirector
- 2021-01-13➕SUTHERLAND, Ian Ronald appointeddirector
- 2020-02-13🔓Charge satisfied #7
- 2020-02-13🔓Charge satisfied #6
- 2020-02-13🔓Charge satisfied #5
- 2020-02-13🔓Charge satisfied #4
- 2020-01-24🔒Charge registered #8Lender: Edward Spencer-Churchill
- 2019-03-19➕BRAITHWAITE, Jonathan David appointeddirector
- 2018-04-06➖CUMMING, James Richard resigneddirector
- 2018-04-06➕HOOPER, Shaun Ian appointeddirector
Showing most recent 50 of 100 events
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 28 years old and no new directors in the last 3 years — succession not yet being planned internally.
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
Key Bidco Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Key Bidco Limited
Corporate parent · holds 75-100% shares
⬇
COMPLETE COVER GROUP LIMITED
This company · 03578103
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 |
|---|---|---|---|---|
Key Bidco Limited Corporate entity | 75–100% | — | 75-100% shares | 06/04/2016 |
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
Active · Financial services · CW postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BACK OFFICE SUPPORT SERVICES LIMITED→ 03600810 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| BARNETT JONES & COOKE LIMITED→ 03719711 · est 1999 · no financials extracted | — | — | — | — | 27y | — | — |
| BLUE SKY NINE LIMITED→ 15935424 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BURFIELD FINANCIAL PLANNING LIMITED→ 07177075 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| C S FINANCIAL PLANNING LIMITED→ 07060621 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CHALKLIN INVESTMENTS LTD→ 14852812 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CHAMELO MORTGAGE BROKERS LTD→ 12806129 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CHESHIRE AND WARRINGTON DF (GP) LIMITED→ 12225197 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| COMBINED MORTGAGE AND PROTECTION ADVICE LTD→ 14996212 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CONNECTPAY LTD→ 16179027 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CONRAD JAMES INDEPENDENT FINANCIAL ADVICE LTD→ 08196015 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| CONRAD JAMES LTD→ 12958611 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated1998-06-09
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
Mara House
Nantwich Road
Tarporley
CW6 9UY
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-24
Last: 2025-12-10
Officers (1 active · 30 resigned)
SPENCER-CHURCHILL, Edward, Lord→
Activedirector · ~52y · appointed 2023-04-25
View their other companies + combined net worth →
FENNER-EVANS, Ian Michael→
Resignedsecretary · appointed 2014-03-21 · resigned 2017-06-16
MCPHERSON, Steven Robert→
Resignedsecretary · appointed 2003-05-10 · resigned 2012-08-31
TABERNER, Robert John→
Resignedsecretary · appointed 2012-08-31 · resigned 2014-02-28
TABERNER, Robert John→
Resignedsecretary · appointed 1999-03-31 · resigned 2003-05-10
M W DOUGLAS & COMPANY LIMITED→
Resignedcorporate-nominee-secretary · appointed 1998-06-09 · resigned 1998-06-09
ALLEN, Anthony Dennis Martin→
Resigneddirector · ~75y · appointed 1999-03-31 · resigned 2016-04-13
ANDERSON, James→
Resigneddirector · ~53y · appointed 2013-05-29 · resigned 2014-05-30
BARNARD, Stephen Colin, Mr.→
Resigneddirector · ~76y · appointed 2004-11-10 · resigned 2012-03-21
BECKETT, Sharon Patricia→
Resigneddirector · ~65y · appointed 2016-03-01 · resigned 2018-03-19
BENCE, Russell James→
Resigneddirector · ~53y · appointed 2021-01-13 · resigned 2021-06-30
BOWN, Barry John→
Resigneddirector · ~45y · appointed 2023-01-09 · resigned 2025-09-12
BRAITHWAITE, Jonathan David→
Resigneddirector · ~59y · appointed 2019-03-19 · resigned 2021-08-31
BROWN, Alan David Cumming→
Resigneddirector · ~58y · appointed 2021-01-13 · resigned 2021-03-31
CUMMING, James Richard→
Resigneddirector · ~46y · appointed 2016-07-27 · resigned 2018-04-06
DARLING, Angela Margaret→
Resigneddirector · ~67y · appointed 2018-03-12 · resigned 2022-04-15
DRUCKMAN, Paul Bryan→
Resigneddirector · ~72y · appointed 2006-10-01 · resigned 2008-01-28
FENNER-EVANS, Ian Michael→
Resigneddirector · ~62y · appointed 2016-04-08 · resigned 2017-06-16
HOOPER, Shaun Ian→
Resigneddirector · ~54y · appointed 2018-04-06 · resigned 2022-07-14
HURLEY, Martyn David→
Resigneddirector · ~43y · appointed 2016-04-08 · resigned 2017-08-23
Click a director name to see their full track record across all companies.
Mortgages & charges
10
Total charges
3
Outstanding
2
Active lenders
Status:Lender:10 of 10 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Glas Trust Corporation as Security Trustee Glas Trust Corporation Limited as Security Trustee | A registered charge | 1 property | 20/04/2021 | — | |
| outstanding | Glas Trust Corporation as Security Trustee Glas Trust Corporation Limited as Security Trustee | A registered charge | 1 property | 20/04/2021 | — | |
| outstanding | Edward Spencer-Churchill | A registered charge | — | 24/01/2020 | — | |
| satisfied | Darwin Private Equity in Its Capacity as Security Trustee Darwin Private Equity LLP in Its Capacity as Security Trustee | A registered charge | — | 17/10/2017 | 13/02/2020 | |
| satisfied | Close Brothers Close Brothers Limited Trading as Close Brothers Premium Finance | A registered charge | 1 property | 27/04/2016 | 13/02/2020 | |
| satisfied | Darwin Private Equity Darwin Private Equity LLP | A registered charge | — | 27/06/2014 | 13/02/2020 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC as Security Trustee for the Finance Parties (The Security Trustee) | Accession deed | 1 property | 22/03/2012 | 13/02/2020 | |
| satisfied | Close Brothers Close Brothers Limited (Trading as Close Premium Finance) | Security deed | 1 property | 20/07/2010 | 26/03/2012 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 10/07/2005 | 26/03/2012 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 13/01/2005 | 26/03/2012 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (164 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-27
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-09-22
legacy
accounts · PARENT_ACC
2025-09-22
legacy
other · GUARANTEE2
2025-09-22
legacy
other · AGREEMENT2
2025-09-22
termination-director-company-with-name-termination-date
officers · TM01
2025-09-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-10
accounts-with-accounts-type-full
accounts · AA
2024-10-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-05-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-21
termination-director-company-with-name-termination-date
officers · TM01
2023-10-17
accounts-with-accounts-type-full
accounts · AA
2023-10-02
appoint-person-director-company-with-name-date
officers · AP01
2023-05-02
termination-director-company-with-name-termination-date
officers · TM01
2023-05-02
appoint-person-director-company-with-name-date
officers · AP01
2023-01-31