BLACK ROCK EXPRESS INSURANCE AND FINANCIAL SERVICES LIMITED

🌳Matureactive
04035401 · ltd · incorporated 2000-07-18
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 25.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
£170.2k
book net assets
Opportunity
76/100
Strong
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What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 76/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

7 live charges · 2 lenders · oldest 25.9y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 25.9 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · 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
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
9 officers (3 active, 9 linked, 5 with DOB)
81
Ownership & PSC
2 active PSC(s) of 3 total, 3 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
76/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £170,159
Cash YoY
-11%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£71k
↓ 11% YoY
Net Worth
£170k
↑ 6.8% YoY
Current Assets
£114k
↑ 12% YoY
Current Liabilities
—
£0£34k£68k£102k£136k£170kDec 2024Dec 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-12-312024-12-31
Total assets£313.5k£312.7k
Current assets£113.7k£101.5k
Cash£70.7k£79.7k
Debtors£43.0k£21.7k
Net assets£170.2k£159.3k

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
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
  1. 2026-05-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-08-27
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-05-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-04-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-05-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-06-07
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  7. 2022-06-07
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  8. 2022-06-07
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  9. 2022-05-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-06-16
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2021-05-21
    ➖
    JEWETT, John Richard Thomas resigned
    director
  12. 2021-05-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-03-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2021-02-25
    ➕
    JEWETT, Andrew Richard appointed
    director
  15. 2020-07-07
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2020-06-18
    🔒
    Charge registered #7
    Lender: National Westminster Bank PLC
  17. 2020-04-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2019-04-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2018-07-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2015-07-31
    🔒
    Charge registered #6
    Lender: National Westminster Bank PLC
  21. 2015-07-31
    🔒
    Charge registered #5
    Lender: National Westminster Bank PLC
  22. 2015-05-02
    🔒
    Charge registered #4
    Lender: National Westminster Bank PLC
  23. 2013-05-01
    ➕
    JEWETT, Alexandra Suzanne appointed
    director
  24. 2004-07-20
    ➕
    JEWETT, Alexandra Suzanne appointed
    secretary
  25. 2004-07-20
    ➖
    JEWETT, John Richard Thomas resigned
    secretary
  26. 2004-07-20
    ➖
    CHILDS, Ann resigned
    director
  27. 2004-07-20
    ➖
    RANSON, Michael James resigned
    director
  28. 2001-10-16
    🔒
    Charge registered #3
    Lender: Barclays Bank PLC
  29. 2001-10-16
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  30. 2000-08-11
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  31. 2000-07-18
    🏢
    Company incorporated
    As BLACK ROCK EXPRESS INSURANCE AND FINANCIAL SERVICES LIMITED
  32. 2000-07-18
    ➕
    JEWETT, John Richard Thomas appointed
    secretary
  33. 2000-07-18
    ➕
    TEMPLE SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  34. 2000-07-18
    ➖
    TEMPLE SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  35. 2000-07-18
    ➕
    CHILDS, Ann appointed
    director
  36. 2000-07-18
    ➕
    JEWETT, John Richard Thomas appointed
    director
  37. 2000-07-18
    ➕
    RANSON, Michael James appointed
    director
  38. 2000-07-18
    ➕
    COMPANY DIRECTORS LIMITED appointed
    corporate-nominee-director
  39. 2000-07-18
    ➖
    COMPANY DIRECTORS LIMITED resigned
    corporate-nominee-director

Owner dependency

74/100
High — earn-out structure required

Material 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.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

79/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 13 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 low
7 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Miss Alexandra Suzanne Jewett
Individual · British · DOB 04/1974 · age 52
25–50%
25–50%25-50% shares · 25-50% voting01/05/2022
Mr Andrew Richard Jewett
Individual · British · DOB 04/1963 · age 63
25–50%
25–50%25-50% shares · 25-50% voting01/05/2022
1 historic (ceased) PSC
  • Mr John Richard Thomas Jewettceased 01/05/2022· 75-100% shares · 75-100% 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 →

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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
Incorporated2000-07-18
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance

Registered office

First Floor
West Barn, North Frith Farm, Ashes Lane, Hadlow
Tonbridge
Kent
TN11 9QU
United Kingdom

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-08-01
Last: 2025-07-18

Officers (3 active · 6 resigned)

JEWETT, Alexandra Suzanne→
secretary · appointed 2004-07-20
View their other companies + combined net worth →
Active
JEWETT, Alexandra Suzanne→
director · ~52y · appointed 2013-05-01
View their other companies + combined net worth →
Active
JEWETT, Andrew Richard→
director · ~63y · appointed 2021-02-25
View their other companies + combined net worth →
Active
JEWETT, John Richard Thomas→
secretary · appointed 2000-07-18 · resigned 2004-07-20
Resigned
TEMPLE SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2000-07-18 · resigned 2000-07-18
Resigned
CHILDS, Ann→
director · ~67y · appointed 2000-07-18 · resigned 2004-07-20
Resigned
JEWETT, John Richard Thomas→
director · ~85y · appointed 2000-07-18 · resigned 2021-05-21
Resigned
RANSON, Michael James→
director · ~68y · appointed 2000-07-18 · resigned 2004-07-20
Resigned
COMPANY DIRECTORS LIMITED→
corporate-nominee-director · appointed 2000-07-18 · resigned 2000-07-18
Resigned

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

Mortgages & charges

7
Total charges
7
Outstanding
2
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property18/06/2020—
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property31/07/2015—
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property31/07/2015—
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge—02/05/2015—
outstanding
Barclays
Barclays Bank PLC
Legal charge1 property16/10/2001—
outstanding
Barclays
Barclays Bank PLC
Legal charge1 property16/10/2001—
outstanding
Barclays
Barclays Bank PLC
Legal charge1 property11/08/2000—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (82 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-08-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-03
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-20
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-06-07
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-06-07
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-06-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-11
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-26
termination-director-company-with-name-termination-date
officers · TM01
2021-06-16