C & C INSURANCE BROKERS LIMITED

🌳Matureactive

04439084 · ltd · incorporated 2002-05-15

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 Aug 2024

Net worth

—

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with exceptional profile and acceptable with review structure.

Opportunity 80/100 (exceptional), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. 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

4 live charges · 3 lenders · oldest 23.9y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 23.9 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

4 charges (4/4 with lender, 4/4 with type)

Directors & officers

12 officers (4 active, 12 linked, 10 with DOB)

Ownership & PSC

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

Director network

10 connected companies via shared directors

Filing history

95 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

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	2024-08-31	2023-08-31
Average employees	12300	11300

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

filings

Last 90 days

filings

Last 180 days

filings

• 1 mortgage
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (45 events)Click to expand

2026-04-21
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-21
🔓
Charge satisfied #3
2025-08-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-14
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-08-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-07
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-07
🔒
Charge registered #4
Lender: Arkle Finance Limited
2023-08-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-08
➕
HARRIS, Ray appointed
director
2022-07-08
➖
WESTWOOD, Lisa Jane resigned
director
2022-07-08
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-07-08
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-05-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-09
📄
resolution
resolution · RESOLUTIONS
2021-05-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-11
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-05-11
🔓
Charge satisfied #2
2021-05-06
📄
mortgage-charge-whole-cease-and-release-with-charge-number
mortgage · MR05
2020-05-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-10-18
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2019-10-18
🔒
Charge registered #3
Lender: Arkle Finance Limited
2019-08-15
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-08-09
➖
WILLIAMS, Paula resigned
director
2019-07-23
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2019-07-04
🔒
Charge registered #2
Lender: Arkle Finance LTD
2019-06-10
📄
capital-allotment-shares
capital · SH01
2017-11-15
➖
CLAREY, Julie Vivienne resigned
director
2016-01-13
➕
CLAREY, Julie Vivienne appointed
director
2016-01-13
➖
COOKE, Lindsay Anne resigned
director
2015-09-01
➖
COOKE, Eileen Margaret resigned
director
2015-09-01
➖
COOKE, Peter John resigned
director
2015-06-11
➕
WILLIAMS, Paula appointed
director
2014-09-02
➕
WESTWOOD, Lisa Jane appointed
director
2012-08-31
➕
GREEN, Andrew appointed
director
2011-03-24
➕
COOKE, Eileen Margaret appointed
director
2011-03-24
➕
COOKE, Lindsay Anne appointed
director
2002-09-09
🔒
Charge registered #1
Lender: National Westminster Bank PLC
2002-05-15
🏢
Company incorporated
As C & C INSURANCE BROKERS LIMITED
2002-05-15
➕
COOKE, Malcolm appointed
secretary
2002-05-15
➕
COOKE, Malcolm appointed
director
2002-05-15
➕
THOMAS, Howard appointed
nominee-secretary
2002-05-15
➖
THOMAS, Howard resigned
nominee-secretary
2002-05-15
➕
COOKE, Peter John appointed
director
2002-05-15
➕
TESTER, William Andrew Joseph appointed
nominee-director
2002-05-15
➖
TESTER, William Andrew Joseph resigned
nominee-director

Owner dependency

68/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

+Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 60 — approaching natural succession window.

Succession & seller-readiness

70/100

Strong succession signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
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 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple 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
Malcolm Cooke Individual · British · DOB 09/1966 · age 60	50–75%	50–75%	50-75% shares · 50-75% voting	20/07/2016

1 historic (ceased) PSC

Peter John Cookeceased 09/10/2018· 25-50% shares · 25-50% 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 →

Similar companies

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BLUEGILL LIMITED→ 15471732 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
BODYCOTE PENSION TRUSTEES LIMITED→ 02218421 · est 1988 · no financials extracted	—	—	—	—	38y	—	—
BOTT AND CO EOT LIMITED→ 16771679 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BRAMBLE FS LIMITED→ 15588297 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
BRAMHALL PARK MORTGAGES LTD→ 13685625 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
BROOKLANDS PLACE MARKETING SERVICES LIMITED→ 06410271 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
CAIRNHILL MANAGEMENT RESOURCES LIMITED→ 06725640 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
CALICO WEALTH MANAGEMENT LIMITED→ 09188974 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
CAPITAL LIFE INDEPENDENT TRUSTEE COMPANY LIMITED→ 10899155 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
CAPS FINANCIAL LIMITED→ 13985582 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
CAPSTONE FINANCIAL HOLDINGS LIMITED→ 12442015 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
CASH FLOW CONSULTANCY LTD→ 05514785 · est 2005 · no financials extracted	—	—	—	—	20y	—	—

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

Incorporated2002-05-15

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

86-90 Compstall Road

Romiley

Stockport

SK6 4DE

England

Filing status

Accounts

Next due: 2026-08-31

Last made up to: 2024-08-31

Confirmation statement

Next due: 2027-03-18

Last: 2026-03-04

Officers (4 active · 8 resigned)

COOKE, Malcolm→

secretary · appointed 2002-05-15

View their other companies + combined net worth →

Active

COOKE, Malcolm→

director · ~60y · appointed 2002-05-15

View their other companies + combined net worth →

Active

GREEN, Andrew→

director · ~47y · appointed 2012-08-31

View their other companies + combined net worth →

Active

HARRIS, Ray→

director · ~59y · appointed 2022-07-08

View their other companies + combined net worth →

Active

THOMAS, Howard→

nominee-secretary · appointed 2002-05-15 · resigned 2002-05-15

Resigned

CLAREY, Julie Vivienne→

director · ~63y · appointed 2016-01-13 · resigned 2017-11-15

Resigned

COOKE, Eileen Margaret→

director · ~83y · appointed 2011-03-24 · resigned 2015-09-01

Resigned

COOKE, Lindsay Anne→

director · ~56y · appointed 2011-03-24 · resigned 2016-01-13

Resigned

COOKE, Peter John→

director · ~87y · appointed 2002-05-15 · resigned 2015-09-01

Resigned

TESTER, William Andrew Joseph→

nominee-director · ~64y · appointed 2002-05-15 · resigned 2002-05-15

Resigned

WESTWOOD, Lisa Jane→

director · ~55y · appointed 2014-09-02 · resigned 2022-07-08

Resigned

WILLIAMS, Paula→

director · ~59y · appointed 2015-06-11 · resigned 2019-08-09

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:4 of 4 shown

		Type	Properties
outstanding	Arkle Finance Arkle Finance Limited	A registered charge	1 property	07/02/2024	—
satisfied	Arkle Finance Arkle Finance Limited	A registered charge	1 property	18/10/2019	21/04/2026
satisfied	Arkle Finance Arkle Finance LTD	A registered charge	1 property	04/07/2019	11/05/2021
outstanding	National Westminster Bank National Westminster Bank PLC	Debenture	1 property	09/09/2002	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (95 total)

mortgage-satisfy-charge-full

mortgage · MR04

2026-04-21

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-03-06

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-08-29

confirmation-statement-with-updates

confirmation-statement · CS01

2025-03-17

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2025-03-14

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-08-29

confirmation-statement-with-updates

confirmation-statement · CS01

2024-03-18

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2024-02-07

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-08-10

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-03-13

appoint-person-director-company-with-name-date

officers · AP01

2022-07-08

termination-director-company-with-name-termination-date

officers · TM01

2022-07-08

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-05-31

confirmation-statement-with-updates

confirmation-statement · CS01

2022-03-21

resolution

resolution · RESOLUTIONS

2021-07-09