ACCIDENT CLAIMS HANDLERS LIMITED
🌳Matureactive
03877804 · ltd · incorporated 1999-11-16
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 5.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
£12.99M
year to Dec 2024
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: SIC 45200
Sector: Wholesale & retail
ALSO REGISTERED FOR
- 65120Non-life insurance
- 77110Renting and leasing of cars and light motor vehicles
- 82990Other business support service activities n.e.c.
Investor take
PursueActive trading company with a 79-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 79). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (85/100).
🏦
Refinance opportunity
2 live charges · oldest 5.3y
95/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
- · Profitable and stable/growing — lender coverage supportable.
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, 4 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
6 officers (2 active, 6 linked, 3 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
78 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
82/100Exceptional
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
80
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 · FRS 102Profitable
Profit before tax £1,107,857
Turnover YoY
+2%
Year on year
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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Turnover | £12.99M | £12.79M |
| Gross profit | £2.78M | £2.01M |
| Operating profit | £1.16M | £1.13M |
| Profit before tax | £1.11M | £1.04M |
| Average employees | 1900 | 1900 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2025-09-30📄accounts-with-accounts-type-fullaccounts · AA
- 2024-09-27📄accounts-with-accounts-type-fullaccounts · AA
- 2023-09-29📄accounts-with-accounts-type-fullaccounts · AA
- 2022-09-29📄accounts-with-accounts-type-fullaccounts · AA
- 2022-03-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-24🔒Charge registered #2Lender: National Westminster Bank PLC
- 2021-11-22📄change-person-director-company-with-change-dateofficers · CH01
- 2021-11-22📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-30📄accounts-with-accounts-type-fullaccounts · AA
- 2021-01-12📄accounts-with-accounts-type-fullaccounts · AA
- 2021-01-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-01-07🔒Charge registered #1Lender: National Westminster Bank PLC
- 2019-10-08📄accounts-with-accounts-type-smallaccounts · AA
- 2018-09-25📄accounts-with-accounts-type-smallaccounts · AA
- 2018-09-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-09-20📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2018-04-13➖SPENCE, Elaine Jeanette resignedsecretary
- 2018-04-13➖SPENCE, Elaine Jeanette resigneddirector
- 2017-10-04📄accounts-with-accounts-type-smallaccounts · AA
- 2006-01-01➕SAVORY, Miles Nicholas appointeddirector
- 1999-11-16🏢Company incorporatedAs ACCIDENT CLAIMS HANDLERS LIMITED
- 1999-11-16➕SAVORY, Michael Dennis appointeddirector
- 1999-11-16➕SPENCE, Elaine Jeanette appointedsecretary
- 1999-11-16➕TEMPLE SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 1999-11-16➖TEMPLE SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 1999-11-16➕SPENCE, Elaine Jeanette appointeddirector
- 1999-11-16➕COMPANY DIRECTORS LIMITED appointedcorporate-nominee-director
- 1999-11-16➖COMPANY DIRECTORS LIMITED resignedcorporate-nominee-director
Owner dependency
91/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
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 26 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 79 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
96/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 26 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 Michael Dennis Savory Individual · British · DOB 02/1947 · age 79 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Miles Nicholas Savory Individual · British · DOB 06/1977 · age 49 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 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
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|---|---|---|---|---|---|---|---|
| 24LIMA SERVICES LTD→ 15558172 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 365 MOTOR GROUP LIMITED→ 17056597 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 5 STAR CAR BODYSHOP LTD→ 14893077 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A E & S M C LTD→ 11400345 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| A E AUTO REPAIRS LTD→ 14678687 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| A J AUTOS RECOVERY LTD→ 12661764 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| A.K AUTOMOTIVE LTD→ 12386838 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ABS PAINTWORX LTD→ 10338530 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ACE LETTY AUTO LIMITED→ 12482202 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ACTON AUTO MAINTENANCE LTD→ 13147626 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AD PREMIUM CARS LTD→ 16241346 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ADAM M CUMMINGS LTD→ 14864464 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated1999-11-16
Jurisdictionengland-wales
Primary SIC45200 — SIC 45200
Registered office
Hambrook Business Park The Stream
Hambrook
Bristol
BS16 1RQ
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-26
Last: 2025-11-12
Officers (2 active · 4 resigned)
SAVORY, Michael Dennis→
Activedirector · ~79y · appointed 1999-11-16
View their other companies + combined net worth →
SAVORY, Miles Nicholas→
Activedirector · ~49y · appointed 2006-01-01
View their other companies + combined net worth →
SPENCE, Elaine Jeanette→
Resignedsecretary · appointed 1999-11-16 · resigned 2018-04-13
TEMPLE SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 1999-11-16 · resigned 1999-11-16
SPENCE, Elaine Jeanette→
Resigneddirector · ~82y · appointed 1999-11-16 · resigned 2018-04-13
COMPANY DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 1999-11-16 · resigned 1999-11-16
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 24/03/2022 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 07/01/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (78 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-13
accounts-with-accounts-type-full
accounts · AA
2025-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-12
accounts-with-accounts-type-full
accounts · AA
2024-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-08
accounts-with-accounts-type-full
accounts · AA
2023-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-24
accounts-with-accounts-type-full
accounts · AA
2022-09-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-22
change-person-director-company-with-change-date
officers · CH01
2021-11-22
change-person-director-company-with-change-date
officers · CH01
2021-11-22
accounts-with-accounts-type-full
accounts · AA
2021-09-30
accounts-with-accounts-type-full
accounts · AA
2021-01-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-01-11