AMS INSURANCE SERVICES LIMITED
🌳Matureactive
03976947 · ltd · incorporated 2000-04-19
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 Sept 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueActive trading company with a 83-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 77/100. Strong seller-intent signal (73/100, director aged 83). 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 20.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 20.9 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
11 officers (5 active, 11 linked, 8 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
97 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
77
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 | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Average employees | 900 | 900 |
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
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
5
filings
- • 2 persons-with-significant-control
- • 1 accounts
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (42 events)Click to expand
- 2026-05-13📄accounts-with-accounts-type-smallaccounts · AA
- 2026-03-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-03-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-03-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-17📄memorandum-articlesincorporation · MA
- 2026-02-15➖MCKENNA, Peter Francis resigneddirector
- 2025-06-10📄accounts-with-accounts-type-smallaccounts · AA
- 2025-02-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-02-15🔓Charge satisfied #3
- 2024-03-23📄accounts-with-accounts-type-smallaccounts · AA
- 2023-03-07📄accounts-with-accounts-type-smallaccounts · AA
- 2022-02-10📄accounts-with-accounts-type-smallaccounts · AA
- 2022-01-17📄change-person-director-company-with-change-dateofficers · CH01
- 2022-01-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-01-07➕AHMED, Talat appointeddirector
- 2021-03-17📄accounts-with-accounts-type-smallaccounts · AA
- 2020-07-23➕FULLER, Paul Stephen appointeddirector
- 2020-07-23📄change-person-director-company-with-change-dateofficers · CH01
- 2020-07-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-07-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-07-10➖MONTANINO, Deborah Susan resigneddirector
- 2020-05-04📄accounts-with-accounts-type-smallaccounts · AA
- 2019-04-04📄accounts-with-accounts-type-smallaccounts · AA
- 2017-08-30➕MONTANINO, Deborah Susan appointeddirector
- 2014-11-04🔓Charge satisfied #2
- 2013-09-11🔓Charge satisfied #1
- 2011-09-22➕MCKENNA, Robert Peter appointeddirector
- 2011-06-29➖PADMORE, Steven Thomas resigneddirector
- 2011-02-28➖HUBBARD, Richard Martin, Mr. resigneddirector
- 2010-06-15🔒Charge registered #3Lender: Barclays Bank PLC
- 2010-02-01➕HUBBARD, Richard Martin, Mr. appointeddirector
- 2008-01-31🔒Charge registered #2Lender: North Oxfordshire Consortium Limited
- 2007-06-01➕PADMORE, Steven Thomas appointeddirector
- 2006-12-01➕MCKENNA, Christine Ann appointeddirector
- 2005-07-04🔒Charge registered #1Lender: National Westminster Bank PLC
- 2000-04-19🏢Company incorporatedAs AMS INSURANCE SERVICES LIMITED
- 2000-04-19➕MCKENNA, Robert Peter, Mr. appointedsecretary
- 2000-04-19➕THEYDON SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2000-04-19➖THEYDON SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2000-04-19➕MCKENNA, Peter Francis appointeddirector
- 2000-04-19➕THEYDON NOMINEES LIMITED appointedcorporate-nominee-director
- 2000-04-19➖THEYDON NOMINEES LIMITED resignedcorporate-nominee-director
Owner dependency
73/100
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 20 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 83 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
83/100
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 83 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 20 years.
- 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
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Christine Ann Mckenna Individual · British · DOB 02/1943 · age 83 | — | — | sig. influencesignificant influence | 15/02/2026 |
1 historic (ceased) PSC
- Mr Peter Francis Mckennaceased 15/02/2026· 50-75% shares · 50-75% voting · board control
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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|---|---|---|---|---|---|---|---|
| ADVANCED RESEARCH CLUSTERS GP LIMITED→ 04233559 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| ADVANCED RESEARCH CLUSTERS HOLDCO LIMITED→ 10951871 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AJW ASSET MANAGEMENT LTD→ 11457152 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AKJEL LIMITED→ 15650308 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ALFRED COVER LIMITED→ 16660851 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALISTAIR REDHOUSE MORTGAGE SERVICES LTD→ 16988991 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ALMADRABA LIMITED→ 07829116 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ALPHA ACADEMIC LTD→ 09659546 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ALWAYS VFM LTD→ 12892598 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AMBER WEALTH CREATION LIMITED→ 04870073 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| AMICA CORPORATE FINANCE LIMITED→ 15921884 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANCHOR FINANCIAL SOLUTIONS LTD→ 16683665 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2000-04-19
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
52 Heyford Park, Camp Road
Upper Heyford
Bicester
Oxfordshire
OX25 5HD
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-06-29
Last: 2025-06-15
Officers (5 active · 6 resigned)
MCKENNA, Robert Peter, Mr.→
Activesecretary · appointed 2000-04-19
View their other companies + combined net worth →
AHMED, Talat→
Activedirector · ~50y · appointed 2022-01-07
View their other companies + combined net worth →
FULLER, Paul Stephen→
Activedirector · ~51y · appointed 2020-07-23
View their other companies + combined net worth →
MCKENNA, Christine Ann→
Activedirector · ~83y · appointed 2006-12-01
View their other companies + combined net worth →
MCKENNA, Robert Peter→
Activedirector · ~59y · appointed 2011-09-22
View their other companies + combined net worth →
THEYDON SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2000-04-19 · resigned 2000-04-19
HUBBARD, Richard Martin, Mr.→
Resigneddirector · ~60y · appointed 2010-02-01 · resigned 2011-02-28
MCKENNA, Peter Francis→
Resigneddirector · ~83y · appointed 2000-04-19 · resigned 2026-02-15
MONTANINO, Deborah Susan→
Resigneddirector · ~61y · appointed 2017-08-30 · resigned 2020-07-10
PADMORE, Steven Thomas→
Resigneddirector · ~64y · appointed 2007-06-01 · resigned 2011-06-29
THEYDON NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 2000-04-19 · resigned 2000-04-19
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 15/06/2010 | 15/02/2025 | |
| satisfied | North Oxfordshire Consortium North Oxfordshire Consortium Limited | Rent deposit deed | 1 property | 31/01/2008 | 04/11/2014 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 04/07/2005 | 11/09/2013 |
Recent filings (97 total)
accounts-with-accounts-type-small
accounts · AA
2026-05-13
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-03-02
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-02
termination-director-company-with-name-termination-date
officers · TM01
2026-03-02
memorandum-articles
incorporation · MA
2026-02-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-18
accounts-with-accounts-type-small
accounts · AA
2025-06-10
mortgage-satisfy-charge-full
mortgage · MR04
2025-02-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-27
accounts-with-accounts-type-small
accounts · AA
2024-03-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-16
accounts-with-accounts-type-small
accounts · AA
2023-03-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-15
accounts-with-accounts-type-small
accounts · AA
2022-02-10
change-person-director-company-with-change-date
officers · CH01
2022-01-17