COVERSURE INSURANCE SERVICES (YORKS) LIMITED

🌳Matureactive
04885326 · ltd · incorporated 2003-09-02
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
—
year to Oct 2024
Net worth
£298.8k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle. Family succession underway — not a classic acquisition target.

Opportunity 80/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (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
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
71 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.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £298,816

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£299k
↑ 68% YoY
Current Assets
£466k
↑ 77% YoY
Current Liabilities
—
£0£93k£186k£280k£373k£466kOct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2024-10-312023-10-31
Total assets£365.2k£225.4k
Current assets£465.9k£263.0k
Net assets£298.8k£177.8k

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
5
filings
  • • 3 persons-with-significant-control
  • • 1 officers
  • • 1 confirmation-statement
Last 180 days
5
filings
  • • 3 persons-with-significant-control
  • • 1 officers
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-05-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-05-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2026-05-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2026-05-06
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2025-10-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2025-08-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2025-08-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2025-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2025-07-31
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  10. 2024-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2024-02-22
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2024-02-21
    ➕
    RICHARDS, Melanie Jane appointed
    director
  13. 2023-07-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2023-01-24
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  15. 2022-08-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2021-02-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2020-03-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2019-07-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2012-05-31
    ➖
    RICHARDS, Joanne resigned
    secretary
  20. 2003-09-04
    ➕
    RICHARDS, Anthony Robert appointed
    director
  21. 2003-09-04
    ➕
    RICHARDS, Joanne appointed
    secretary
  22. 2003-09-02
    🏢
    Company incorporated
    As COVERSURE INSURANCE SERVICES (YORKS) LIMITED
  23. 2003-09-02
    ➕
    LONDON LAW SECRETARIAL LIMITED appointed
    corporate-nominee-secretary
  24. 2003-09-02
    ➖
    LONDON LAW SECRETARIAL LIMITED resigned
    corporate-nominee-secretary
  25. 2003-09-02
    ➕
    LONDON LAW SERVICES LIMITED appointed
    corporate-nominee-director
  26. 2003-09-02
    ➖
    LONDON LAW SERVICES LIMITED resigned
    corporate-nominee-director

Owner dependency

84/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

26/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — RICHARDS, Melanie Jane (same surname) appointed 2024-02-21. Pattern consistent with intra-family handover.
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • 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
Mrs Melanie Jane Richards
Individual · British · DOB 01/1979 · age 47
25–50%
25–50%25-50% shares · 25-50% voting06/05/2026
Mr Anthony Robert Richards
Individual · British · DOB 08/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
1 historic (ceased) PSC
  • Mrs Joanne Richardsceased 24/01/2023· 25-50% 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

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
Incorporated2003-09-02
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance

Registered office

Elmwood House York Road
Kirk Hammerton
York
YO26 8DH
England

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2027-05-20
Last: 2026-05-06

Officers (2 active · 3 resigned)

RICHARDS, Anthony Robert→
director · ~59y · appointed 2003-09-04
View their other companies + combined net worth →
Active
RICHARDS, Melanie Jane→
director · ~47y · appointed 2024-02-21
View their other companies + combined net worth →
Active
RICHARDS, Joanne→
secretary · appointed 2003-09-04 · resigned 2012-05-31
Resigned
LONDON LAW SECRETARIAL LIMITED→
corporate-nominee-secretary · appointed 2003-09-02 · resigned 2003-09-02
Resigned
LONDON LAW SERVICES LIMITED→
corporate-nominee-director · appointed 2003-09-02 · resigned 2003-09-02
Resigned

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

Recent filings (71 total)

change-person-director-company-with-change-date
officers · CH01
2026-05-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-14
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-05-06
confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-14
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-31
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2025-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-15
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-31
appoint-person-director-company-with-name-date
officers · AP01
2024-02-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-24