EDEN INSURANCE SERVICES LIMITED

🌳Matureactive
04096940 · ltd · incorporated 2000-10-26
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
—
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 bankable structure.

Opportunity 76/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (77/100)

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
Confirmed no charges registered
85
Directors & officers
7 officers (2 active, 7 linked, 5 with DOB)
84
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
75 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
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
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 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-03-312025-03-31
Average employees4400

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 (27 events)Click to expand
  1. 2026-04-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-04-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-04-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-10-18
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2023-05-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-05-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-05-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-05-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2021-04-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2020-04-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-04-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2018-04-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-05-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2016-04-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2011-08-30
    ➖
    CROOKS, Doritta Eva resigned
    secretary
  16. 2011-08-30
    ➖
    CROOKS, Ian Alexander resigned
    director
  17. 2009-07-17
    ➕
    PALMER, Rachael Elizabeth appointed
    director
  18. 2008-01-08
    ➖
    STONES, Nigel Phillip resigned
    director
  19. 2004-08-02
    ➕
    PALMER, Richard John appointed
    director
  20. 2004-07-16
    ➖
    LEIGH, Claire Louise resigned
    director
  21. 2003-04-01
    ➕
    STONES, Nigel Phillip appointed
    director
  22. 2000-10-26
    🏢
    Company incorporated
    As EDEN INSURANCE SERVICES LIMITED
  23. 2000-10-26
    ➕
    CROOKS, Doritta Eva appointed
    secretary
  24. 2000-10-26
    ➕
    CHETTLEBURGH INTERNATIONAL LIMITED appointed
    corporate-nominee-secretary
  25. 2000-10-26
    ➖
    CHETTLEBURGH INTERNATIONAL LIMITED resigned
    corporate-nominee-secretary
  26. 2000-10-26
    ➕
    CROOKS, Ian Alexander appointed
    director
  27. 2000-10-26
    ➕
    LEIGH, Claire Louise appointed
    director

Owner dependency

76/100
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.
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

66/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 22 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Richard John Palmer
Individual · British · DOB 11/1970 · age 56
50–75%
50–75%50-75% shares · 50-75% voting06/04/2016
Mrs Rachael Elizabeth Palmer
Individual · British · DOB 04/1973 · age 53
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2000-10-26
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance

Registered office

Eden Insurance Services Ltd
103 Whalley Road
Clitheroe
Lancs
BB7 1EE
England

Filing status

Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2026-11-20
Last: 2025-11-06

Officers (2 active · 5 resigned)

PALMER, Rachael Elizabeth→
director · ~53y · appointed 2009-07-17
View their other companies + combined net worth →
Active
PALMER, Richard John→
director · ~56y · appointed 2004-08-02
View their other companies + combined net worth →
Active
CROOKS, Doritta Eva→
secretary · appointed 2000-10-26 · resigned 2011-08-30
Resigned
CHETTLEBURGH INTERNATIONAL LIMITED→
corporate-nominee-secretary · appointed 2000-10-26 · resigned 2000-10-26
Resigned
CROOKS, Ian Alexander→
director · ~87y · appointed 2000-10-26 · resigned 2011-08-30
Resigned
LEIGH, Claire Louise→
director · ~47y · appointed 2000-10-26 · resigned 2004-07-16
Resigned
STONES, Nigel Phillip→
director · ~57y · appointed 2003-04-01 · resigned 2008-01-08
Resigned

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

Recent filings (75 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-16
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-10
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-06
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-10-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-26
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-15
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-09
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-05-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-09