AIM LEGAL EXPENSES INSURANCE SERVICES LIMITED

🌳Matureactive
03824468 · ltd · incorporated 1999-08-09
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 26.4y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
🔔
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What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 63-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 26.4y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 26.4 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: high (83/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
17 officers (2 active, 17 linked, 9 with DOB)
81
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
105 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0May 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-05-312024-05-31
Average employees2200

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

🔒Filing-note intelligence

4 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 (53 events)Click to expand
  1. 2026-02-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-12-03
    📄
    legacy
    other · GUARANTEE2
  3. 2025-12-03
    📄
    legacy
    other · AGREEMENT2
  4. 2025-12-02
    📄
    legacy
    other · GUARANTEE2
  5. 2025-12-02
    📄
    legacy
    other · AGREEMENT2
  6. 2025-02-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-02-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-11-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2023-10-05
    📄
    auditors-resignation-company
    auditors · AUD
  10. 2023-06-10
    📄
    accounts-with-accounts-type-small
    accounts · AA
  11. 2022-12-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2022-06-08
    📄
    accounts-with-accounts-type-small
    accounts · AA
  13. 2021-08-31
    📄
    accounts-with-accounts-type-small
    accounts · AA
  14. 2020-03-03
    📄
    accounts-with-accounts-type-full
    accounts · AA
  15. 2019-01-30
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  16. 2018-11-05
    📄
    accounts-with-accounts-type-small
    accounts · AA
  17. 2018-10-12
    ➖
    GRANT, Debra resigned
    secretary
  18. 2018-10-12
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  19. 2012-10-18
    ➕
    GRANT, Debra appointed
    secretary
  20. 2012-10-18
    ➖
    PULFORD, Graham resigned
    secretary
  21. 2011-09-29
    ➕
    CHATTERTON, Christopher John appointed
    director
  22. 2011-01-01
    ➕
    PULFORD, Graham appointed
    secretary
  23. 2010-12-31
    ➖
    HENSHAW, Audrey Louise resigned
    secretary
  24. 2010-12-31
    ➖
    HENSHAW, Audrey Louise resigned
    director
  25. 2010-12-13
    ➖
    MCMULLAN, Mark Anthony resigned
    director
  26. 2008-12-31
    ➖
    CONWAY, Michael Timothy resigned
    director
  27. 2007-06-01
    ➕
    HENSHAW, Audrey Louise appointed
    director
  28. 2007-06-01
    ➕
    MCMULLAN, Mark Anthony appointed
    director
  29. 2007-05-31
    ➖
    TAYLOR, Eric resigned
    director
  30. 2007-03-27
    ➕
    PULFORD, Graham appointed
    director
  31. 2005-05-03
    ➕
    HENSHAW, Audrey Louise appointed
    secretary
  32. 2005-05-03
    ➖
    TAYLOR, Eric resigned
    secretary
  33. 2005-02-10
    🔓
    Charge satisfied #1
  34. 2005-02-08
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  35. 2003-01-01
    ➖
    CARPENTER, Mark Andrew resigned
    secretary
  36. 2003-01-01
    ➕
    TAYLOR, Eric appointed
    secretary
  37. 2003-01-01
    ➖
    CARPENTER, Mark Andrew resigned
    director
  38. 2002-01-07
    ➕
    CARPENTER, Mark Andrew appointed
    secretary
  39. 2002-01-07
    ➖
    CONWAY, Michael Timothy resigned
    secretary
  40. 2002-01-07
    ➕
    CARPENTER, Mark Andrew appointed
    director
  41. 2001-08-20
    ➕
    CONWAY, Michael Timothy appointed
    secretary
  42. 2001-08-20
    ➖
    KNIGHTON, Francis Richard resigned
    secretary
  43. 2001-08-20
    ➖
    KNIGHTON, Francis Richard resigned
    director
  44. 2001-08-20
    ➖
    KNIGHTON, Pamela resigned
    director
  45. 2000-03-02
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  46. 1999-08-09
    🏢
    Company incorporated
    As AIM LEGAL EXPENSES INSURANCE SERVICES LIMITED
  47. 1999-08-09
    ➕
    KNIGHTON, Francis Richard appointed
    secretary
  48. 1999-08-09
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  49. 1999-08-09
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  50. 1999-08-09
    ➕
    CONWAY, Michael Timothy appointed
    director
Showing most recent 50 of 53 events

Owner dependency

76/100
High — earn-out structure required

Material 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 19 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

79/100
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 63. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 19 years.
  • 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.)

Group structure

Marplace (Number 641) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Marplace (Number 641) Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
AIM LEGAL EXPENSES INSURANCE SERVICES LIMITED
This company · 03824468

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%
NameSharesVoting rightsNature of controlNotified
Marplace (Number 641) Limited
Corporate entity
75–100%
—75-100% shares06/04/2016

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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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
Incorporated1999-08-09
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

Speed Medical House 16 Eaton Avenue
Matrix Park
Chorley
Lancashire
PR7 7NA

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-08-20
Last: 2025-08-06

Officers (2 active · 15 resigned)

CHATTERTON, Christopher John→
director · ~63y · appointed 2011-09-29
View their other companies + combined net worth →
Active
PULFORD, Graham→
director · ~57y · appointed 2007-03-27
View their other companies + combined net worth →
Active
CARPENTER, Mark Andrew→
secretary · appointed 2002-01-07 · resigned 2003-01-01
Resigned
CONWAY, Michael Timothy→
secretary · appointed 2001-08-20 · resigned 2002-01-07
Resigned
GRANT, Debra→
secretary · appointed 2012-10-18 · resigned 2018-10-12
Resigned
HENSHAW, Audrey Louise→
secretary · appointed 2005-05-03 · resigned 2010-12-31
Resigned
KNIGHTON, Francis Richard→
secretary · appointed 1999-08-09 · resigned 2001-08-20
Resigned
PULFORD, Graham→
secretary · appointed 2011-01-01 · resigned 2012-10-18
Resigned
TAYLOR, Eric→
secretary · appointed 2003-01-01 · resigned 2005-05-03
Resigned
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 1999-08-09 · resigned 1999-08-09
Resigned
CARPENTER, Mark Andrew→
director · ~64y · appointed 2002-01-07 · resigned 2003-01-01
Resigned
CONWAY, Michael Timothy→
director · ~64y · appointed 1999-08-09 · resigned 2008-12-31
Resigned
HENSHAW, Audrey Louise→
director · ~59y · appointed 2007-06-01 · resigned 2010-12-31
Resigned
KNIGHTON, Francis Richard→
director · ~86y · appointed 1999-08-09 · resigned 2001-08-20
Resigned
KNIGHTON, Pamela→
director · ~81y · appointed 1999-08-09 · resigned 2001-08-20
Resigned
MCMULLAN, Mark Anthony→
director · ~63y · appointed 2007-06-01 · resigned 2010-12-13
Resigned
TAYLOR, Eric→
director · ~76y · appointed 1999-08-09 · resigned 2007-05-31
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Debenture1 property08/02/2005—
satisfied
National Westminster Bank
National Westminster Bank PLC
Mortgage debenture1 property02/03/200010/02/2005
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (105 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-16
legacy
other · GUARANTEE2
2025-12-03
legacy
other · AGREEMENT2
2025-12-03
legacy
other · GUARANTEE2
2025-12-02
legacy
other · AGREEMENT2
2025-12-02
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-19
change-person-director-company-with-change-date
officers · CH01
2023-11-27
auditors-resignation-company
auditors · AUD
2023-10-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-07
accounts-with-accounts-type-small
accounts · AA
2023-06-10
change-person-director-company-with-change-date
officers · CH01
2022-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-08