ACCESS UNDERWRITING LIMITED
🌳Matureactive
03880990 · ltd · incorporated 1999-11-22
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 10.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueActive trading company with a 78-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (63/100, director aged 78). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 10.0y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (60/100)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
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
14 officers (5 active, 14 linked, 9 with DOB)
83
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
13 connected companies via shared directors
84
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.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 officers
Last 180 days
4
filings
- • 3 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (48 events)Click to expand
- 2026-04-09📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-13📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-06➖O'DWYER, Stephen John resigneddirector
- 2025-08-20📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-08-20📄legacyaccounts · PARENT_ACC
- 2025-06-05📄legacyother · GUARANTEE2
- 2025-06-05📄legacyother · AGREEMENT2
- 2025-03-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-07➖PRICE, David John resigneddirector
- 2024-10-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-23📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-04-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-04-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-02-25📄memorandum-articlesincorporation · MA
- 2024-02-25📄resolutionresolution · RESOLUTIONS
- 2024-02-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-02-16📍move-registers-to-registered-office-company-with-new-addressaddress · AD04
- 2024-02-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-02-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-02-16📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-02-06➕HALL, Rachael Jane appointedsecretary
- 2024-02-06➕MOORE, David Robert appointeddirector
- 2024-02-06➕O'DWYER, Stephen John appointeddirector
- 2023-10-09📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2023-09-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-02📄change-person-director-company-with-change-dateofficers · CH01
- 2022-12-31➖WOODS, Patricia Rachel resigneddirector
- 2022-12-16🔓Charge satisfied #1
- 2019-07-16➖CALDER & CO (REGISTRARS) LIMITED resignedcorporate-secretary
- 2017-03-16➕WOODS, Patricia Rachel appointeddirector
- 2016-07-08➕BLAKE, Steven Richard appointeddirector
- 2016-07-08➕PRICE, David John appointeddirector
- 2016-05-31➕GROUT, Douglas Michael appointeddirector
- 2016-05-31🔒Charge registered #1Lender: Phyllis Lilian Grout
- 2016-02-12➖BELL, Peter Alan resigneddirector
- 2010-10-01➕BELL, Peter Alan appointeddirector
- 2006-12-21➖GODDARD, Mark Robert William resignedsecretary
- 2006-12-21➕CALDER & CO (REGISTRARS) LIMITED appointedcorporate-secretary
- 2006-12-21➖GODDARD, Mark Robert William resigneddirector
- 1999-11-22🏢Company incorporatedAs ACCESS UNDERWRITING LIMITED
- 1999-11-22➕HICKMAN, Simon Jonathan appointeddirector
- 1999-11-22➕GODDARD, Mark Robert William appointedsecretary
- 1999-11-22➕TEMPLE SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 1999-11-22➖TEMPLE SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 1999-11-22➕GODDARD, Mark Robert William appointeddirector
- 1999-11-22➕COMPANY DIRECTORS LIMITED appointedcorporate-nominee-director
- 1999-11-22➖COMPANY DIRECTORS LIMITED resignedcorporate-nominee-director
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 78 — succession pressure is live.
Succession & seller-readiness
80/100
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 78 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
- 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.)
Group structure
Benefact Broking & Advisory Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Benefact Broking & Advisory Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
ACCESS UNDERWRITING LIMITED
This company · 03880990
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Benefact Broking & Advisory Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 25/03/2024 |
2 historic (ceased) PSCs
- Mr Simon Jonathan Hickmanceased 25/03/2024· 25-50% shares · 25-50% voting · board control
- Deborah Ann Hickmanceased 25/03/2024· 25-50% shares · 25-50% voting
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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| 44 BLACK DIAMONDS LTD→ 12148709 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 5 CONSULTING (INVESTMENTS) LTD→ 11662740 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| A L MARKEY INVESTMENT CO LTD→ 12743449 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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| ACORN FINANCE LIMITED→ 04040964 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
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| ADLIV SOLUTIONS LTD→ 05912801 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ADVENT BROKER SERVICES LTD→ 14434751 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ADVICE 4U FINANCIAL PLANNING LTD→ 09398231 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ADVICEON... LTD→ 02024350 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
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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
Incorporated1999-11-22
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
Benefact House 2000 Pioneer Avenue
Gloucester Business Park, Brockworth
Gloucester
GL3 4AW
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-18
Last: 2025-12-04
Officers (5 active · 9 resigned)
HALL, Rachael Jane→
Activesecretary · appointed 2024-02-06
View their other companies + combined net worth →
BLAKE, Steven Richard→
Activedirector · ~56y · appointed 2016-07-08
View their other companies + combined net worth →
GROUT, Douglas Michael→
Activedirector · ~78y · appointed 2016-05-31
View their other companies + combined net worth →
HICKMAN, Simon Jonathan→
Activedirector · ~62y · appointed 1999-11-22
View their other companies + combined net worth →
MOORE, David Robert→
Activedirector · ~60y · appointed 2024-02-06
View their other companies + combined net worth →
GODDARD, Mark Robert William→
Resignedsecretary · appointed 1999-11-22 · resigned 2006-12-21
CALDER & CO (REGISTRARS) LIMITED→
Resignedcorporate-secretary · appointed 2006-12-21 · resigned 2019-07-16
TEMPLE SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 1999-11-22 · resigned 1999-11-22
BELL, Peter Alan→
Resigneddirector · ~72y · appointed 2010-10-01 · resigned 2016-02-12
GODDARD, Mark Robert William→
Resigneddirector · ~67y · appointed 1999-11-22 · resigned 2006-12-21
O'DWYER, Stephen John→
Resigneddirector · ~57y · appointed 2024-02-06 · resigned 2026-02-06
PRICE, David John→
Resigneddirector · ~42y · appointed 2016-07-08 · resigned 2025-03-07
WOODS, Patricia Rachel→
Resigneddirector · ~58y · appointed 2017-03-16 · resigned 2022-12-31
COMPANY DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 1999-11-22 · resigned 1999-11-22
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Phyllis Lilian Grout / Douglas Michael Grout | A registered charge | 2 properties | 31/05/2016 | 16/12/2022 |
Recent filings (108 total)
change-person-director-company-with-change-date
officers · CH01
2026-04-09
change-person-director-company-with-change-date
officers · CH01
2026-02-13
termination-director-company-with-name-termination-date
officers · TM01
2026-02-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-15
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-08-20
legacy
accounts · PARENT_ACC
2025-08-20
legacy
other · GUARANTEE2
2025-06-05
legacy
other · AGREEMENT2
2025-06-05
termination-director-company-with-name-termination-date
officers · TM01
2025-03-13
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-01
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-04-23
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-04-22
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-04-22
memorandum-articles
incorporation · MA
2024-02-25