THE POLICY SHOP INSURANCE SERVICES LIMITED

⚰️Wound downdissolved

04398937 · ltd · incorporated 2002-03-20

Investment thesis

Company dissolved — not a live target.

Why interesting: Historical record only; useful for precedent research.

Why risky: Not transactable.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 20.4y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

62/100

Worth a look

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What this business does

Primary activity: Non-life insurance

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed unclear — structural issues outweigh the discount.

Opportunity 62/100 (worth a look), bankability 75/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 20.4y

65/100

clean up first

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

· Oldest live charge is 20.4 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (61/100)

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

No iXBRL financials extracted

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

15 officers (5 active, 15 linked, 11 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

33 connected companies via shared directors

Filing history

84 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

62/100Worth a look

PassWatchWorth a lookStrongExceptional

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality

Concerning — overdue filings or status flags present.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (51 events)Click to expand

2019-04-09
📄
gazette-dissolved-voluntary
gazette · GAZ2(A)
2019-04-09
🏁
Company dissolved
2019-01-22
📄
gazette-notice-voluntary
gazette · GAZ1(A)
2019-01-09
📄
dissolution-application-strike-off-company
dissolution · DS01
2018-10-03
📄
accounts-with-accounts-type-full
accounts · AA
2018-05-24
📄
change-person-director-company-with-change-date
officers · CH01
2018-04-16
📄
change-person-director-company-with-change-date
officers · CH01
2017-09-18
📄
accounts-with-accounts-type-full
accounts · AA
2017-07-06
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2017-07-06
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2017-01-03
📄
accounts-with-accounts-type-full
accounts · AA
2016-12-10
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2016-12-06
📄
gazette-notice-compulsory
gazette · GAZ1
2016-07-12
📄
accounts-with-accounts-type-full
accounts · AA
2016-05-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2016-04-30
➖
BENCE, Russell James resigned
director
2016-03-22
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-12-07
📄
change-person-director-company-with-change-date
officers · CH01
2015-09-22
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2015-09-22
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2015-09-18
➕
PAYNE, Christopher James appointed
secretary
2015-09-18
➖
HAYWARD, Susan Elizabeth resigned
secretary
2015-06-05
📄
change-account-reference-date-company-current-shortened
accounts · AA01
2015-05-06
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-05-06
📍
move-registers-to-registered-office-company-with-new-address
address · AD04
2015-05-06
📍
change-sail-address-company-with-old-address-new-address
address · AD02
2015-03-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2015-03-04
➕
BARBER, Keith John appointed
director
2015-03-04
➕
BRITTAIN, Michael Richard appointed
director
2015-03-04
➕
HUMPHREYS, Gary appointed
director
2015-03-04
➕
SPENCER, Kevin Ronald appointed
director
2015-03-04
➖
BYRNE, Sean Francis resigned
secretary
2015-03-04
➕
HAYWARD, Susan Elizabeth appointed
secretary
2015-03-04
➖
ANSELL, Darren resigned
director
2015-03-04
➕
BENCE, Russell James appointed
director
2015-03-04
➖
BRISCOE, Andrew Mark resigned
director
2015-03-04
➖
BYRNE, Sean Francis resigned
director
2015-03-04
➖
BYRNE, Susan Elizabeth resigned
director
2014-09-09
➖
MULDOON, Neil resigned
director
2013-10-14
➕
MULDOON, Neil appointed
director
2012-10-01
➕
BRISCOE, Andrew Mark appointed
director
2006-01-09
🔒
Charge registered #1
Lender: Hsbc Bank PLC
2003-05-01
➕
ANSELL, Darren appointed
director
2002-03-20
🏢
Company incorporated
As THE POLICY SHOP INSURANCE SERVICES LIMITED
2002-03-20
➕
BYRNE, Sean Francis appointed
secretary
2002-03-20
➕
GRAEME, Dorothy May appointed
nominee-secretary
2002-03-20
➖
GRAEME, Dorothy May resigned
nominee-secretary
2002-03-20
➕
BYRNE, Sean Francis appointed
director
2002-03-20
➕
BYRNE, Susan Elizabeth appointed
director
2002-03-20
➕
GRAEME, Lesley Joyce appointed
nominee-director

Showing most recent 50 of 51 events

Owner dependency

48/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

55/100

Strong succession signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
secondaryStable-but-static management: Company is 24 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 high ·

Company dissolved

high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2019-04-09

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Kevin Ronald Spencer Individual · British · DOB 07/1965 · age 61	75–100%	—	75-100% shares	06/04/2016

1 historic (ceased) PSC

Markerstudy Holdings Limitedceased 06/04/2016· 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 →

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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.

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Company details

Statusdissolved

Typeltd

Incorporated2002-03-20

Jurisdictionengland-wales

Primary SIC65120 — Non-life insurance

Registered office

45 Westerham Road

Sevenoaks

Kent

TN13 2QB

Filing status

Accounts

Next due: —

Last made up to: 2017-12-31

Confirmation statement

Next due: —

Last: —