CONNECT INSURANCE BROKERS LIMITED

🌳Matureactive
04493658 · ltd · incorporated 2002-07-24
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 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 75/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 78). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: 1 insolvency-related filing on record. Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding. Most likely exit: strategic trade sale (73/100).

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
Confirmed no charges registered
85
Directors & officers
6 officers (4 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
73 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review 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£0Aug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-08-312024-08-31
Average employees212100

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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
0
filings
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2026-01-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-01-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-09-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2024-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-12-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-01-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-10-11
    📄
    capital-statement-capital-company-with-date-currency-figure
    capital · SH19
  8. 2022-10-11
    📄
    legacy
    capital · SH20
  9. 2022-10-11
    ⚠️
    legacy
    insolvency · CAP-SS
  10. 2022-10-11
    📄
    resolution
    resolution · RESOLUTIONS
  11. 2022-02-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-01-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-10-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-11-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-07-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  16. 2018-02-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2007-04-01
    ➕
    MACKENZIE, David appointed
    director
  18. 2002-07-30
    ➕
    GILROY, William Kurt Stuart appointed
    secretary
  19. 2002-07-30
    ➕
    GILROY, Vivienne Maria appointed
    director
  20. 2002-07-30
    ➕
    GILROY, William Kurt Stuart appointed
    director
  21. 2002-07-30
    ➖
    MIDLANDS SECRETARIAL MANAGEMENT LIMITED resigned
    corporate-nominee-secretary
  22. 2002-07-30
    ➖
    ALLSOPP, Nicholas James resigned
    nominee-director
  23. 2002-07-24
    🏢
    Company incorporated
    As CONNECT INSURANCE BROKERS LIMITED
  24. 2002-07-24
    ➕
    MIDLANDS SECRETARIAL MANAGEMENT LIMITED appointed
    corporate-nominee-secretary
  25. 2002-07-24
    ➕
    ALLSOPP, Nicholas James appointed
    nominee-director

Owner dependency

83/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 78 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
  • 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 high ·
1 insolvency-related filing on record
high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2022-10-11: legacy

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Vivienne Maria Gilroy
Individual · British · DOB 10/1955 · age 71
25–50%
25–50%25-50% shares · 25-50% voting06/07/2018
Mr William Kurt Stuart Gilroy
Individual · British · DOB 04/1948 · age 78
25–50%
25–50%25-50% shares · 25-50% voting29/06/2016

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

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
Incorporated2002-07-24
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance

Registered office

Connect House Foundry Street
Hanley
Stoke-On-Trent
ST1 5HE

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2027-02-28
Last: 2026-02-14

Officers (4 active · 2 resigned)

GILROY, William Kurt Stuart→
secretary · appointed 2002-07-30
View their other companies + combined net worth →
Active
GILROY, Vivienne Maria→
director · ~71y · appointed 2002-07-30
View their other companies + combined net worth →
Active
GILROY, William Kurt Stuart→
director · ~78y · appointed 2002-07-30
View their other companies + combined net worth →
Active
MACKENZIE, David→
director · ~53y · appointed 2007-04-01
View their other companies + combined net worth →
Active
MIDLANDS SECRETARIAL MANAGEMENT LIMITED→
corporate-nominee-secretary · appointed 2002-07-24 · resigned 2002-07-30
Resigned
ALLSOPP, Nicholas James→
nominee-director · ~68y · appointed 2002-07-24 · resigned 2002-07-30
Resigned

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

Recent filings (73 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-15
change-person-director-company-with-change-date
officers · CH01
2025-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-16
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-06
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-18
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2022-10-11
legacy
capital · SH20
2022-10-11
legacy
insolvency · CAP-SS
2022-10-11
resolution
resolution · RESOLUTIONS
2022-10-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-23