ABSENCE PROTECTION LIMITED
💤Zombieactive
04136959 · ltd · incorporated 2001-01-08
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueActive trading company with a 73-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (93/100, director aged 73). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 25.0y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 25.0 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 2 with DOB)
76
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
85 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 300 | 400 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
- 2025-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-12-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-12-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-12-12🔓Charge satisfied #2
- 2020-11-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-09📄capital-allotment-sharescapital · SH01
- 2020-07-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-08-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-14📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-06-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2018-03-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2014-11-12➕HANDSCOMB, Lynn appointedsecretary
- 2014-09-29➖WILES, David Philip resignedsecretary
- 2011-04-11🔓Charge satisfied #1
- 2010-08-31🔒Charge registered #2Lender: Hsbc Bank PLC
- 2004-10-07➖WATSON, Andrew resignedsecretary
- 2004-10-07➕WILES, David Philip appointedsecretary
- 2001-09-28➖SHARPE, Martin resigneddirector
- 2001-05-31🔒Charge registered #1Lender: National Westminster Bank PLC
- 2001-04-01➕SHARPE, Martin appointeddirector
- 2001-01-08🏢Company incorporatedAs ABSENCE PROTECTION LIMITED
- 2001-01-08➕HENRY, Gerrard Leslie appointeddirector
- 2001-01-08➕WATSON, Andrew appointedsecretary
- 2001-01-08➕YORK PLACE COMPANY SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2001-01-08➖YORK PLACE COMPANY SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2001-01-08➕YORK PLACE COMPANY NOMINEES LIMITED appointedcorporate-nominee-director
- 2001-01-08➖YORK PLACE COMPANY NOMINEES LIMITED resignedcorporate-nominee-director
Owner dependency
100/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 73 — succession pressure is live.
Succession & seller-readiness
100/100
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 73 years old. Natural succession window is now.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 25 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Harrison Guy Cramer Individual · British · DOB 12/1989 · age 37 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 21/11/2024 |
2 historic (ceased) PSCs
- Mr Dominic Frederick Henryceased 21/11/2024· 50-75% shares · 50-75% voting
- Mr Gerrard Leslie Henryceased 04/06/2018· 75-100% shares
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
Active · Financial services · CW postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A BURGESS FINANCIAL SERVICES LTD→ 14437529 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ABACAI TECHNOLOGIES LIMITED→ 13147398 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ABRAY SERVICES LIMITED→ 04310465 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| ACC MORTGAGES LIMITED→ 10864085 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AGL UNITED LTD→ 06754493 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ALLMAN INVESTMENTS LIMITED→ 09694983 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| AMPLO ASSET FINANCE LIMITED→ 15778823 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AMPLO MORTGAGES & FINANCIAL SOLUTIONS LIMITED→ 10537785 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ANYAN CONSULTING LIMITED→ 09679210 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| APJW HOLDINGS LTD→ 16458532 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARCH BROKERAGE LTD→ 16236766 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ARES FINANCIAL PLANNING LTD→ 15791108 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2001-01-08
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
Unit 8, Brunel Court Rudheath Way
Rudheath
Northwich
CW9 7LP
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-22
Last: 2026-01-08
Officers (2 active · 5 resigned)
Active
HENRY, Gerrard Leslie→
Activedirector · ~73y · appointed 2001-01-08
View their other companies + combined net worth →
WATSON, Andrew→
Resignedsecretary · appointed 2001-01-08 · resigned 2004-10-07
WILES, David Philip→
Resignedsecretary · appointed 2004-10-07 · resigned 2014-09-29
YORK PLACE COMPANY SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2001-01-08 · resigned 2001-01-08
SHARPE, Martin→
Resigneddirector · ~61y · appointed 2001-04-01 · resigned 2001-09-28
YORK PLACE COMPANY NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 2001-01-08 · resigned 2001-01-08
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 31/08/2010 | 12/12/2020 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 31/05/2001 | 11/04/2011 |
Recent filings (85 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-17
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-24
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-12-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-12-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2021-02-18
mortgage-satisfy-charge-full
mortgage · MR04
2020-12-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-05