ANNUITY DISCOUNTS DIRECT LTD

💤Zombieactive

03778875 · ltd · incorporated 1999-05-27

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

—

year to May 2025

Net worth

—

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Life insurance

Sector: Financial & insurance

ALSO REGISTERED FOR

65120Non-life insurance
65201Life reinsurance
65300Pension funding

Investor take

Pursue

Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

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, 4 SIC codes, incorporation date

100

Financials

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

Lenders & charges

Confirmed no charges registered

Directors & officers

5 officers (2 active, 5 linked, 1 with DOB)

Ownership & PSC

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

Director network

1 connected companies via shared directors

Filing history

63 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

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

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	2025-05-31	2024-05-31

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

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (25 events)Click to expand

2026-02-25
📄
accounts-with-accounts-type-dormant
accounts · AA
2025-02-28
📄
accounts-with-accounts-type-dormant
accounts · AA
2024-02-26
📄
accounts-with-accounts-type-dormant
accounts · AA
2023-02-28
📄
accounts-with-accounts-type-dormant
accounts · AA
2022-02-24
📄
accounts-with-accounts-type-dormant
accounts · AA
2021-03-05
📄
accounts-with-accounts-type-dormant
accounts · AA
2020-02-14
📄
accounts-with-accounts-type-dormant
accounts · AA
2019-02-06
📄
accounts-with-accounts-type-dormant
accounts · AA
2018-02-16
📄
accounts-with-accounts-type-dormant
accounts · AA
2017-02-12
📄
accounts-with-accounts-type-dormant
accounts · AA
2016-06-02
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-02-23
📄
accounts-with-accounts-type-dormant
accounts · AA
2015-06-08
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-03-03
📄
accounts-with-accounts-type-dormant
accounts · AA
2014-05-31
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-02-26
📄
accounts-with-accounts-type-dormant
accounts · AA
1999-05-27
🏢
Company incorporated
As ANNUITY DISCOUNTS DIRECT LTD
1999-05-27
➕
KEEFE, Jennifer Joan appointed
secretary
1999-05-27
➕
MCLOUGHLIN, Kieron Bruce appointed
director
1999-05-27
➕
COMBINED SECRETARIAL SERVICES LIMITED appointed
corporate-nominee-secretary
1999-05-27
➖
COMBINED SECRETARIAL SERVICES LIMITED resigned
corporate-nominee-secretary
1999-05-27
➕
COMBINED NOMINEES LIMITED appointed
corporate-nominee-director
1999-05-27
➖
COMBINED NOMINEES LIMITED resigned
corporate-nominee-director
1999-05-27
➕
COMBINED SECRETARIAL SERVICES LIMITED appointed
corporate-nominee-director
1999-05-27
➖
COMBINED SECRETARIAL SERVICES LIMITED resigned
corporate-nominee-director

Owner dependency

100/100

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

+Sole director: Only one active director — all governance concentrated on one person.
+Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

95/100

Likely off-market candidate

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 27 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

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Kieron Bruce Mcloughlin Individual · British · DOB 06/1959 · age 67	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 →

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ALITHEO VENTURES LTD→ 13881828 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
AMBERBAY OPERATIONS LTD→ 07641129 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
AMPERSAND PARTNERSHIP LIMITED→ 07758717 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
AMR WEALTH MANAGEMENT LIMITED→ 15647743 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
AMROTH DEVELOPMENT CO. LIMITED→ 01522759 · est 1980 · no financials extracted	—	—	—	—	45y	—	—
ANALUMA LTD→ 10173819 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
ANCASTER INVESTMENTS (UK) LTD→ 07820728 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
ANGLO SUISSE INVESTMENTS LIMITED→ 05378137 · est 2005 · no financials extracted	—	—	—	—	21y	—	—
ANYTHING BUT GOLF LTD→ 12974458 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
APEX CURRENT VENTURES LTD→ 16569458 · est 2025 · no financials extracted	—	—	—	—	—	—	—
APHEX INVESTMENTS LIMITED→ 10586271 · est 2017 · no financials extracted	—	—	—	—	9y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated1999-05-27

Jurisdictionengland-wales

Primary SIC65110 — Life insurance

Registered office

Ockley 24 Downs Way

Tadworth

KT20 5DZ

Filing status

Accounts

Next due: 2027-02-28

Last made up to: 2025-05-31

Confirmation statement

Next due: 2026-06-10

Last: 2025-05-27

Officers (2 active · 3 resigned)

KEEFE, Jennifer Joan→

secretary · appointed 1999-05-27

View their other companies + combined net worth →

Active

MCLOUGHLIN, Kieron Bruce→

director · ~67y · appointed 1999-05-27

View their other companies + combined net worth →

Active

COMBINED SECRETARIAL SERVICES LIMITED→

corporate-nominee-secretary · appointed 1999-05-27 · resigned 1999-05-27

Resigned

COMBINED NOMINEES LIMITED→

corporate-nominee-director · appointed 1999-05-27 · resigned 1999-05-27

Resigned

COMBINED SECRETARIAL SERVICES LIMITED→

corporate-nominee-director · appointed 1999-05-27 · resigned 1999-05-27

Resigned

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