DAVID J MILLER INSURANCE BROKERS LIMITED

🌳Matureactive
03960571 · ltd · incorporated 2000-03-30
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 81-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (73/100, director aged 81). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 26.1y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 26.1 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
7 officers (5 active, 7 linked, 4 with DOB)
81
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
84 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
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£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees21002000

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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2025-11-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  2. 2025-06-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-07-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-06-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-08-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-07-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-07-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-07-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-12-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2018-12-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2018-12-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2018-12-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2018-12-27
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  14. 2018-06-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-07-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2004-09-11
    🔓
    Charge satisfied #2
  17. 2004-05-25
    🔒
    Charge registered #3
    Lender: National Westminster Bank PLC
  18. 2001-12-13
    🔓
    Charge satisfied #1
  19. 2001-01-09
    🔒
    Charge registered #2
    Lender: Yorkshire Bank PLC
  20. 2000-04-11
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  21. 2000-03-31
    ➕
    MILLER, Theresa Bridget appointed
    director
  22. 2000-03-30
    🏢
    Company incorporated
    As DAVID J MILLER INSURANCE BROKERS LIMITED
  23. 2000-03-30
    ➕
    HUTTON, Natalie Claire appointed
    secretary
  24. 2000-03-30
    ➕
    HUTTON, Natalie Claire appointed
    director
  25. 2000-03-30
    ➕
    MILLER, Anthony John appointed
    director
  26. 2000-03-30
    ➕
    MILLER, David John appointed
    director
  27. 2000-03-30
    ➕
    TEMPLE SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  28. 2000-03-30
    ➖
    TEMPLE SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  29. 2000-03-30
    ➕
    COMPANY DIRECTORS LIMITED appointed
    corporate-nominee-director
  30. 2000-03-30
    ➖
    COMPANY DIRECTORS LIMITED resigned
    corporate-nominee-director

Owner dependency

88/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder name in company name: Company name contains director surname "MILLER" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 81 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
  • 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

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

David J Miller Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
David J Miller Holdings Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
DAVID J MILLER INSURANCE BROKERS LIMITED
This company · 03960571

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
David J Miller Holdings Limited
Corporate entity
75–100%
—75-100% shares06/04/2016
Mr David John Miller
Individual · English · DOB 07/1945 · age 81
——sig. influencesignificant influence06/04/2016

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

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
Incorporated2000-03-30
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

339 Union Road
Oswaldtwistle
Accrington
Lancashire
BB5 3HS

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-13
Last: 2026-03-30

Officers (5 active · 2 resigned)

HUTTON, Natalie Claire→
secretary · appointed 2000-03-30
View their other companies + combined net worth →
Active
HUTTON, Natalie Claire→
director · ~45y · appointed 2000-03-30
View their other companies + combined net worth →
Active
MILLER, Anthony John→
director · ~50y · appointed 2000-03-30
View their other companies + combined net worth →
Active
MILLER, David John→
director · ~81y · appointed 2000-03-30
View their other companies + combined net worth →
Active
MILLER, Theresa Bridget→
director · ~74y · appointed 2000-03-31
View their other companies + combined net worth →
Active
TEMPLE SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2000-03-30 · resigned 2000-03-30
Resigned
COMPANY DIRECTORS LIMITED→
corporate-nominee-director · appointed 2000-03-30 · resigned 2000-03-30
Resigned

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

Mortgages & charges

3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
Debenture1 property25/05/2004—
satisfied
Virgin Money
Yorkshire Bank PLC
Debenture1 property09/01/200111/09/2004
satisfied
Barclays
Barclays Bank PLC
Debenture1 property11/04/200013/12/2001
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (84 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-11-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-07-15