HIGHGROVE ACTUARIAL & TRUSTEE SERVICES LIMITED

🌳Matureactive
04838789 · ltd · incorporated 2003-07-19
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 Mar 2026
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
Active trading company with a 76-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 76). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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
Confirmed no charges registered
85
Directors & officers
6 officers (4 active, 6 linked, 3 with DOB)
80
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
69 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
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£0Mar 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2026-03-172025-03-17
Average employees3300

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
2
filings
  • • 1 confirmation-statement
  • • 1 officers
Last 90 days
2
filings
  • • 1 confirmation-statement
  • • 1 officers
Last 180 days
3
filings
  • • 1 confirmation-statement
  • • 1 officers
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-06-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-04-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-04-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-02-28
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  5. 2025-01-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2025-01-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2025-01-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2025-01-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2025-01-23
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  10. 2023-10-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-12-01
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  12. 2022-10-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2022-08-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2022-02-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2020-11-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  16. 2019-11-12
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  17. 2018-12-06
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  18. 2018-11-01
    ➕
    TOWNLEY, Philippa Jane appointed
    director
  19. 2003-10-15
    ➖
    FIRSTSEC LIMITED resigned
    corporate-nominee-secretary
  20. 2003-10-15
    ➖
    COFORM LIMITED resigned
    corporate-nominee-director
  21. 2003-08-09
    ➕
    TOWNLEY, Sheena Margaret Ann appointed
    secretary
  22. 2003-08-09
    ➕
    TOWNLEY, Douglas John appointed
    director
  23. 2003-08-09
    ➕
    TOWNLEY, Sheena Margaret Ann appointed
    director
  24. 2003-07-19
    🏢
    Company incorporated
    As HIGHGROVE ACTUARIAL & TRUSTEE SERVICES LIMITED
  25. 2003-07-19
    ➕
    FIRSTSEC LIMITED appointed
    corporate-nominee-secretary
  26. 2003-07-19
    ➕
    COFORM LIMITED appointed
    corporate-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 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 76 — 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 76 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Douglas John Townley
Individual · British · DOB 01/1950 · age 76
25–50%
—25-50% shares06/04/2016
Mrs Sheena Margaret Ann Townley
Individual · British · DOB 05/1958 · age 68
25–50%
—25-50% shares06/04/2016

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

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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2003-07-19
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

28 Sanctuary Mews
Bromley Cross
Bolton
BL7 9GD
United Kingdom

Filing status

Accounts
Next due: 2027-12-17
Last made up to: 2026-03-17
Confirmation statement
Next due: 2027-08-02
Last: 2026-07-19

Officers (4 active · 2 resigned)

TOWNLEY, Sheena Margaret Ann→
secretary · appointed 2003-08-09
View their other companies + combined net worth →
Active
TOWNLEY, Douglas John→
director · ~76y · appointed 2003-08-09
View their other companies + combined net worth →
Active
TOWNLEY, Philippa Jane→
director · ~34y · appointed 2018-11-01
View their other companies + combined net worth →
Active
TOWNLEY, Sheena Margaret Ann→
director · ~68y · appointed 2003-08-09
View their other companies + combined net worth →
Active
FIRSTSEC LIMITED→
corporate-nominee-secretary · appointed 2003-07-19 · resigned 2003-10-15
Resigned
COFORM LIMITED→
corporate-nominee-director · appointed 2003-07-19 · resigned 2003-10-15
Resigned

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

Recent filings (69 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-24
change-person-director-company-with-change-date
officers · CH01
2026-06-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-29
change-account-reference-date-company-current-extended
accounts · AA01
2025-02-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-01-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-01-23
change-person-director-company-with-change-date
officers · CH01
2025-01-23
change-person-director-company-with-change-date
officers · CH01
2025-01-23
change-person-secretary-company-with-change-date
officers · CH03
2025-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-19
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2022-12-01