ASSUREDPARTNERS REGIONS LTD

🌳Matureactive

04728481 · ltd · incorporated 2003-04-09

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

73/100

Strong

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What this business does

Primary activity: Non-life insurance

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 62-year-old founder — textbook succession opportunity.

Opportunity 73/100 (strong), bankability 77/100. Strong seller-intent signal (60/100, director aged 62). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · 4 lenders · oldest 22.5y

35/100

too messy

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

· Oldest live charge is 22.5 years old — likely at or near maturity.
· 4 lenders named — inter-creditor friction likely.
· Legal-friction score 38/100 — 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

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

Directors & officers

15 officers (5 active, 15 linked, 13 with DOB)

Ownership & PSC

1 active PSC(s) of 4 total, 4 with control declared

Director network

20 connected companies via shared directors

Filing history

114 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

73/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

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

• 1 persons-with-significant-control
• 1 accounts

Last 90 days

filings

• 2 address
• 1 persons-with-significant-control
• 1 accounts

Last 180 days

filings

• 3 officers
• 2 address
• 2 capital

Counts from Companies House filing history.

Corporate timeline (57 events)Click to expand

2026-06-17
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2026-06-05
📄
accounts-with-accounts-type-full
accounts · AA
2026-05-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-05-01
📍
move-registers-to-sail-company-with-new-address
address · AD03
2026-05-01
📍
change-sail-address-company-with-new-address
address · AD02
2026-04-30
➖
QUILTER, Stuart James resigned
director
2026-03-26
📄
statement-of-companys-objects
change-of-constitution · CC04
2026-03-26
📄
memorandum-articles
incorporation · MA
2026-03-26
📄
resolution
resolution · RESOLUTIONS
2026-03-26
📄
capital-name-of-class-of-shares
capital · SH08
2026-03-25
📄
capital-variation-of-rights-attached-to-shares
capital · SH10
2026-01-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-01-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-01-06
➖
ANDREWS, Joanne Elizabeth resigned
director
2026-01-06
➖
HETTLE, Jonathan David resigned
director
2025-11-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-22
➕
WHITTINGHAM, James Oliver appointed
director
2025-11-21
➕
HARRIS, Nicholas George Robert appointed
director
2025-11-14
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-11-11
➖
ANDREWS, Joanne Elizabeth resigned
secretary
2025-11-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-03
➕
CRAWFORD, Charles Robertson appointed
director
2025-10-31
➖
HEATHFIELD, David James resigned
director
2025-10-31
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-10-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-10
➕
BREE, Michelle appointed
director
2025-10-10
➕
COUSINS, David Michael Edwin appointed
director
2025-09-30
📄
accounts-with-accounts-type-full
accounts · AA
2025-02-27
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-09-24
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-09-10
➖
GOUGH, Sean Nigel resigned
director
2024-09-05
📄
accounts-with-accounts-type-full
accounts · AA
2019-09-02
➕
GOUGH, Sean Nigel appointed
director
2019-09-02
➕
HEATHFIELD, David James appointed
director
2019-09-02
➕
QUILTER, Stuart James appointed
director
2019-08-21
🔓
Charge satisfied #4
2018-04-28
🔓
Charge satisfied #3
2018-04-28
🔓
Charge satisfied #1
2016-02-01
➖
RUSSELL, Claire Louise resigned
director
2015-03-16
➕
RUSSELL, Claire Louise appointed
director
2010-07-20
🔒
Charge registered #4
Lender: Svenska Handelsbanken Ab (Publ)
2010-04-01
➖
SMYTHE, Roger resigned
director
2009-01-01
➕
SMYTHE, Roger appointed
director
2006-04-07
➖
LAMASZ, Adrian resigned
director
2006-03-30
🔓
Charge satisfied #2
2006-03-29
🔒
Charge registered #3
Lender: Premium Credit Limited
2005-03-07
🔒
Charge registered #2
Lender: The Governor and Company of the Bank of Scotland
2003-12-18
🔒
Charge registered #1
Lender: Emery Estates Limited

Showing most recent 50 of 57 events

Owner dependency

48/100

Moderate — manageable with handover

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

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

40/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.

Red flags

2 med · 1 low

5 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: ANDREWS, Joanne Elizabeth resigned 2025-11-11; ANDREWS, Joanne Elizabeth resigned 2026-01-06; HEATHFIELD, David James resigned 2025-10-31

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.

Multiple registered office changes

low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Group structure

Assuredpartners International Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Assuredpartners International Limited

Corporate parent

⬇

ASSUREDPARTNERS REGIONS LTD

This company · 04728481

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Assuredpartners International Limited Corporate entity	—	75–100%	75-100% voting	02/09/2019

3 historic (ceased) PSCs

Mr Jonathan David Hettleceased 02/09/2019· 25-50% shares
Ms Joanne Elizabeth Andrewsceased 02/09/2019· 25-50% shares · board control · significant influence · firm interest
Mr Jonathan David Hettleceased 06/04/2016· 25-50% shares · 25-50% voting · board control · significant influence · firm interest

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

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.

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Company details

Statusactive

Typeltd

Incorporated2003-04-09

Jurisdictionengland-wales

Primary SIC65120 — Non-life insurance

Registered office

11 Brindleyplace

Brunswick Square Brindleyplace

Birmingham

B1 2LP

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-07-29

Last: 2025-07-15