D N S INSURANCE SERVICES LIMITED
🌳Matureactive
03853094 · ltd · incorporated 1999-10-05
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 12.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 12.5y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 12.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (79/100)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
7 officers (3 active, 7 linked, 4 with DOB)
81
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
82 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
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 | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 600 | 700 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-07-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-07📄change-person-secretary-company-with-change-dateofficers · CH03
- 2020-10-07📄change-person-secretary-company-with-change-dateofficers · CH03
- 2020-10-07📄change-person-director-company-with-change-dateofficers · CH01
- 2020-07-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-08-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-08-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2015-09-08➕HARVEY, Kate appointeddirector
- 2014-01-20🔒Charge registered #1Lender: Barclays Bank PLC
- 2013-06-30➖THOMPSON, Derick William resigneddirector
- 2010-11-30➖HARRIS, Stuart James resigneddirector
- 1999-11-25➕HARVEY, Christopher Neil appointedsecretary
- 1999-11-25➕HARVEY, Christopher Neil appointeddirector
- 1999-11-25➖JL NOMINEES TWO LIMITED resignedcorporate-nominee-secretary
- 1999-11-25➕HARRIS, Stuart James appointeddirector
- 1999-11-25➕THOMPSON, Derick William appointeddirector
- 1999-11-25➖JL NOMINEES ONE LIMITED resignedcorporate-nominee-director
- 1999-10-05🏢Company incorporatedAs D N S INSURANCE SERVICES LIMITED
- 1999-10-05➕JL NOMINEES TWO LIMITED appointedcorporate-nominee-secretary
- 1999-10-05➕JL NOMINEES ONE LIMITED appointedcorporate-nominee-director
Owner dependency
76/100
High — earn-out structure requiredMaterial 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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Christopher Neil Harvey Individual · British · DOB 11/1973 · age 53 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mrs Kate Harvey Individual · British · DOB 07/1974 · age 52 | 25–50% | — | 25-50% 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 · NE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BRIDGE THE GAP FINANCE LTD→ 15931799 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CLAIRE ERRINGTON LIMITED→ 00607864 · est 1958 · no financials extracted | — | — | — | — | 67y | — | — |
| CLIFFORD JAMES LIMITED→ 10562366 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| CRICHTON WILLS TRUSTS & PROBATE LIMITED→ 07496602 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| CRUSADER CAPITAL LTD→ 16819298 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| D H THOMPSON LTD→ 10199960 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| DANIEL SMYTH INVESTMENTS LIMITED→ 11677341 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| DAVID DORN LIMITED→ 11254121 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| DAVID LAMB LIMITED→ 06911274 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| DAVID MACKENZIE MORTGAGES LTD→ 16338172 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| DAVID RING LTD→ 07019908 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| DAVISON WEALTH MANAGEMENT LIMITED→ 12388868 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
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
Incorporated1999-10-05
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
C3 Kingfisher House Kingsway
Team Valley Trading Estate
Gateshead
NE11 0JQ
England
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-04-23
Last: 2026-04-09
Officers (3 active · 4 resigned)
HARVEY, Christopher Neil→
Activesecretary · appointed 1999-11-25
View their other companies + combined net worth →
HARVEY, Christopher Neil→
Activedirector · ~53y · appointed 1999-11-25
View their other companies + combined net worth →
HARVEY, Kate→
Activedirector · ~52y · appointed 2015-09-08
View their other companies + combined net worth →
JL NOMINEES TWO LIMITED→
Resignedcorporate-nominee-secretary · appointed 1999-10-05 · resigned 1999-11-25
HARRIS, Stuart James→
Resigneddirector · ~64y · appointed 1999-11-25 · resigned 2010-11-30
THOMPSON, Derick William→
Resigneddirector · ~83y · appointed 1999-11-25 · resigned 2013-06-30
JL NOMINEES ONE LIMITED→
Resignedcorporate-nominee-director · appointed 1999-10-05 · resigned 1999-11-25
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 20/01/2014 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (82 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-24
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-10-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-26
confirmation-statement-with-updates
confirmation-statement · CS01
2020-10-07
change-person-secretary-company-with-change-date
officers · CH03
2020-10-07
change-person-secretary-company-with-change-date
officers · CH03
2020-10-07