PREMIUM CHOICE LIMITED

🌳Matureactive
03845329 · ltd · incorporated 1999-09-21
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 18.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£4.33M
book net assets
Opportunity
83/100
Exceptional
🔔
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What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66220Activities of insurance agents and brokers
Investor take
Pursue
Asset-holding vehicle with a 62-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (80/100, director aged 62). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 18.3y

70/100
ready

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

  • · Oldest live charge is 18.3 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

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

Company profile
address, 2 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
12 officers (2 active, 12 linked, 6 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
108 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.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £4,329,708
Cash YoY
+63%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£578k
↑ 63% YoY
Net Worth
£4.3m
~ YoY
Current Assets
£8.2m
↓ 4.1% YoY
Current Liabilities
—
£0£1.7m£3.4m£5.1m£6.9m£8.6mDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£4.33M£4.37M
Current assets£8.22M£8.57M
Cash£578.0k£355.3k
Debtors£7.64M£8.22M
Net assets£4.33M£4.33M

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
0
filings
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
  1. 2025-08-06
    📄
    accounts-with-accounts-type-medium
    accounts · AA
  2. 2024-09-12
    📄
    accounts-with-accounts-type-full
    accounts · AA
  3. 2023-08-24
    📄
    accounts-with-accounts-type-full
    accounts · AA
  4. 2022-09-30
    📄
    accounts-with-accounts-type-full
    accounts · AA
  5. 2022-08-05
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  6. 2022-01-21
    📄
    auditors-resignation-company
    auditors · AUD
  7. 2021-09-30
    📄
    accounts-with-accounts-type-full
    accounts · AA
  8. 2020-12-09
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2020-12-09
    🔓
    Charge satisfied #2
  10. 2020-10-01
    📄
    accounts-with-accounts-type-full
    accounts · AA
  11. 2019-08-13
    📄
    accounts-with-accounts-type-full
    accounts · AA
  12. 2018-06-12
    📄
    accounts-with-accounts-type-full
    accounts · AA
  13. 2018-05-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2018-04-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  15. 2018-04-11
    🔓
    Charge satisfied #1
  16. 2017-10-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2017-06-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2017-06-07
    🔒
    Charge registered #2
    Lender: Svenska Handelsbanken Ab (Publ)
  19. 2017-06-02
    📄
    accounts-with-accounts-type-full
    accounts · AA
  20. 2013-11-15
    ➖
    TURNER, Janet resigned
    secretary
  21. 2013-11-15
    ➖
    TURNER, Janet resigned
    director
  22. 2013-02-05
    ➕
    TURNER, Janet appointed
    director
  23. 2011-12-07
    ➖
    POOLE, Nicolas George resigned
    director
  24. 2011-12-07
    ➖
    SWIM, Brandon resigned
    director
  25. 2010-07-07
    ➖
    WARE, Stephen resigned
    secretary
  26. 2010-07-01
    ➕
    TURNER, Janet appointed
    secretary
  27. 2009-05-19
    ➕
    WARE, Stephen appointed
    secretary
  28. 2008-04-30
    ➖
    BECKINGHAM, Neil Dennis resigned
    secretary
  29. 2008-04-30
    ➖
    BECKINGHAM, Neil Dennis resigned
    director
  30. 2008-01-22
    🔒
    Charge registered #1
    Lender: Urban Splash Fort Dunlop Limited
  31. 2007-09-05
    ➕
    BECKINGHAM, Neil Dennis appointed
    director
  32. 2007-05-23
    ➕
    BECKINGHAM, Neil Dennis appointed
    secretary
  33. 2007-05-23
    ➖
    WOODS, Mark resigned
    secretary
  34. 2007-05-23
    ➕
    POOLE, Nicolas George appointed
    director
  35. 2007-05-23
    ➕
    SWIM, Brandon appointed
    director
  36. 1999-09-21
    🏢
    Company incorporated
    As PREMIUM CHOICE LIMITED
  37. 1999-09-21
    ➕
    DORNAN, Richard Michael John appointed
    director
  38. 1999-09-21
    ➕
    WOODS, Mark appointed
    director
  39. 1999-09-21
    ➕
    WOODS, Mark appointed
    secretary
  40. 1999-09-21
    ➕
    TEMPLE SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  41. 1999-09-21
    ➖
    TEMPLE SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  42. 1999-09-21
    ➕
    COMPANY DIRECTORS LIMITED appointed
    corporate-nominee-director
  43. 1999-09-21
    ➖
    COMPANY DIRECTORS LIMITED resigned
    corporate-nominee-director

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 27 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

76/100
Likely off-market candidate

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • 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.
  • 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

Mers Ins Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Mers Ins Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
PREMIUM CHOICE LIMITED
This company · 03845329

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
Mers Ins Limited
Corporate entity
75–100%
—75-100% shares · firm interest01/07/2016

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
Incorporated1999-09-21
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance

Registered office

Pendeford House
Pendeford Business Park
Overstrand
Wolverhampton
WV9 5AP
United Kingdom

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-08-24
Last: 2025-08-10

Officers (2 active · 10 resigned)

DORNAN, Richard Michael John→
director · ~62y · appointed 1999-09-21
View their other companies + combined net worth →
Active
WOODS, Mark→
director · ~58y · appointed 1999-09-21
View their other companies + combined net worth →
Active
BECKINGHAM, Neil Dennis→
secretary · appointed 2007-05-23 · resigned 2008-04-30
Resigned
TURNER, Janet→
secretary · appointed 2010-07-01 · resigned 2013-11-15
Resigned
WARE, Stephen→
secretary · appointed 2009-05-19 · resigned 2010-07-07
Resigned
WOODS, Mark→
secretary · appointed 1999-09-21 · resigned 2007-05-23
Resigned
TEMPLE SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 1999-09-21 · resigned 1999-09-21
Resigned
BECKINGHAM, Neil Dennis→
director · ~67y · appointed 2007-09-05 · resigned 2008-04-30
Resigned
POOLE, Nicolas George→
director · ~56y · appointed 2007-05-23 · resigned 2011-12-07
Resigned
SWIM, Brandon→
director · ~54y · appointed 2007-05-23 · resigned 2011-12-07
Resigned
TURNER, Janet→
director · ~68y · appointed 2013-02-05 · resigned 2013-11-15
Resigned
COMPANY DIRECTORS LIMITED→
corporate-nominee-director · appointed 1999-09-21 · resigned 1999-09-21
Resigned

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/06/201709/12/2020
satisfied
Urban Splash Fort Dunlop
Urban Splash Fort Dunlop Limited
Rent deposit deed1 property22/01/200811/04/2018

Recent filings (108 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-12
accounts-with-accounts-type-medium
accounts · AA
2025-08-06
accounts-with-accounts-type-full
accounts · AA
2024-09-12
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-13
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-25
accounts-with-accounts-type-full
accounts · AA
2023-08-24
accounts-with-accounts-type-full
accounts · AA
2022-09-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-08-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2022-08-05
auditors-resignation-company
auditors · AUD
2022-01-21
accounts-with-accounts-type-full
accounts · AA
2021-09-30
confirmation-statement-with-updates
confirmation-statement · CS01
2021-08-16
mortgage-satisfy-charge-full
mortgage · MR04
2020-12-09
accounts-with-accounts-type-full
accounts · AA
2020-10-01
confirmation-statement-with-updates
confirmation-statement · CS01
2020-08-20