AVID INSURANCE SERVICES LIMITED
🌳Matureactive
04885807 · ltd · incorporated 2003-09-03
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
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueActive trading company with a 65-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (63/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
8 live charges · 8 lenders · oldest 20.0y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 20.0 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (60/100)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
0
Lenders & charges
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
17 officers (5 active, 17 linked, 10 with DOB)
82
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
138 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
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (64 events)Click to expand
- 2026-02-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-30🔒Charge registered #8Lender: Ccp Agency, Llc
- 2025-11-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-11-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-11-20🔓Charge satisfied #6
- 2025-11-20🔓Charge satisfied #4
- 2025-10-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-10-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-03➖WARD, Timothy Charles resigneddirector
- 2025-10-03🔒Charge registered #7Lender: Clydesdale Bank PLC (Trading as Virgin Money)
- 2025-08-11📄accounts-with-accounts-type-smallaccounts · AA
- 2025-08-07📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-10📄accounts-with-accounts-type-smallaccounts · AA
- 2024-08-19📄change-person-director-company-with-change-dateofficers · CH01
- 2024-08-02➕TERRY, Jonathan Mark appointeddirector
- 2024-08-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-07-08📄accounts-with-accounts-type-smallaccounts · AA
- 2023-06-02📄change-person-director-company-with-change-dateofficers · CH01
- 2023-06-02📄change-person-director-company-with-change-dateofficers · CH01
- 2022-09-02📄accounts-with-accounts-type-smallaccounts · AA
- 2022-01-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-01-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-01-05🔓Charge satisfied #5
- 2022-01-05🔓Charge satisfied #3
- 2021-09-07📍move-registers-to-sail-company-with-new-addressaddress · AD03
- 2021-09-07📍change-sail-address-company-with-new-addressaddress · AD02
- 2021-09-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2021-08-04📄accounts-with-accounts-type-smallaccounts · AA
- 2021-04-26➕CLIFF, Mark appointeddirector
- 2021-04-20➕TERRY, Jonathan Mark appointedsecretary
- 2021-04-20➖WARD, Timothy Charles resignedsecretary
- 2021-02-26🔒Charge registered #6Lender: Lucid Trustee Services Limited
- 2019-08-20🔒Charge registered #5Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
- 2019-08-02➖EDMONDSON, Gary Jack resigneddirector
- 2019-08-02🔒Charge registered #4Lender: Beech Tree Gp Ii Limited (As Security Trustee)
- 2017-12-11➕INWOOD, John Christopher appointeddirector
- 2017-02-14🔓Charge satisfied #2
- 2015-08-21🔒Charge registered #3Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank)
- 2015-06-03🔓Charge satisfied #1
- 2012-12-31➕WARD, Timothy Charles appointedsecretary
- 2012-12-31➖WOOLLGAR, Keith Raymond resignedsecretary
- 2012-12-31➖WOOLLGAR, Keith Raymond resigneddirector
- 2012-03-30➕WARD, Timothy Charles appointeddirector
- 2011-10-03➖BOND, David Alan resigneddirector
- 2011-10-03➖GRAHAM, Nicholas Howard resigneddirector
- 2011-10-03➖SNOWBALL, Timothy William resigneddirector
- 2011-09-30🔒Charge registered #2Lender: Parkwell Management Consultants Limited
- 2011-07-21➕EDMONDSON, Gary Jack appointeddirector
- 2010-09-01➕WOOLLGAR, Keith Raymond appointedsecretary
- 2010-08-31➖SAS DANIELS LLP resignedcorporate-secretary
Showing most recent 50 of 64 events
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
63/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- secondary12+ year tenure: Director in role 20 years.
- 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
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Avid Bidco Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Avid Bidco Limited
Corporate parent · holds 75-100% shares · board control
⬇
AVID INSURANCE SERVICES LIMITED
This company · 04885807
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 |
|---|---|---|---|---|
Avid Bidco Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 02/08/2019 |
2 historic (ceased) PSCs
- Mr Gary Jack Edmondsonceased 02/08/2019· 25-50% shares
- Mr Stephen Peter Gibsonceased 02/08/2019· 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 →Similar companies
Active · Financial services · LS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BONDINSURE LIMITED→ 15249956 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BONDSURE LIMITED→ 15250101 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BRITOPIA HOLDINGS LIMITED→ 16345148 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BROOKS RAYNER→ 11133852 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| C F BELL FINANCIAL CONSULTANT LTD→ 06484010 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| C L FINANCE LIMITED→ 01108021 · est 1973 · no financials extracted | — | — | — | — | 53y | — | — |
| CADS INVESTMENTS→ 08854829 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| CARLEX ESTATES,LIMITED→ 00407586 · est 1946 · no financials extracted | — | — | — | — | 80y | — | — |
| CARTER FINANCIAL SOLUTIONS LTD→ 14593575 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CHOICE FINANCIAL PLANNING LIMITED→ 16913687 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CHRIS SOUTH EQUITY RELEASE SPECIALIST LTD→ 11450617 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CHRISTOPHER HEAP LIMITED→ 17094905 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2003-09-03
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
Rsm 5th Floor, Central Square
29 Wellington Street
Leeds
LS1 4DL
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-08-31
Last: 2025-08-17
Officers (5 active · 12 resigned)
TERRY, Jonathan Mark→
Activesecretary · appointed 2021-04-20
View their other companies + combined net worth →
Active
GIBSON, Stephen Peter→
Activedirector · ~57y · appointed 2006-11-08
View their other companies + combined net worth →
INWOOD, John Christopher→
Activedirector · ~58y · appointed 2017-12-11
View their other companies + combined net worth →
TERRY, Jonathan Mark→
Activedirector · ~41y · appointed 2024-08-02
View their other companies + combined net worth →
RICHARD GEOFFREY, Lee→
Resignedsecretary · appointed 2003-09-03 · resigned 2008-04-08
WARD, Timothy Charles→
Resignedsecretary · appointed 2012-12-31 · resigned 2021-04-20
WOOLLGAR, Keith Raymond→
Resignedsecretary · appointed 2010-09-01 · resigned 2012-12-31
SAS DANIELS LLP→
Resignedcorporate-secretary · appointed 2009-04-08 · resigned 2010-08-31
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 2003-09-03 · resigned 2003-09-03
BOND, David Alan→
Resigneddirector · ~61y · appointed 2003-09-03 · resigned 2011-10-03
EDMONDSON, Gary Jack→
Resigneddirector · ~56y · appointed 2011-07-21 · resigned 2019-08-02
GRAHAM, Nicholas Howard→
Resigneddirector · ~69y · appointed 2005-10-07 · resigned 2011-10-03
SNOWBALL, Timothy William→
Resigneddirector · ~65y · appointed 2005-10-07 · resigned 2011-10-03
WARD, Timothy Charles→
Resigneddirector · ~62y · appointed 2012-03-30 · resigned 2025-10-03
WOOLLGAR, Keith Raymond→
Resigneddirector · ~74y · appointed 2008-05-22 · resigned 2012-12-31
INSTANT COMPANIES LIMITED→
Resignedcorporate-nominee-director · appointed 2003-09-03 · resigned 2003-09-03
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
2
Outstanding
2
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Ccp Agency, Ccp Agency, Llc | A registered charge | — | 30/01/2026 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) | A registered charge | — | 03/10/2025 | — | |
| satisfied | Lucid Trustee Services Lucid Trustee Services Limited | A registered charge | — | 26/02/2021 | 20/11/2025 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank) | A registered charge | — | 20/08/2019 | 05/01/2022 | |
| satisfied | Beech Tree Gp Ii (As Security Trustee) Beech Tree Gp Ii Limited (As Security Trustee) | A registered charge | 1 property | 02/08/2019 | 20/11/2025 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) | A registered charge | — | 21/08/2015 | 05/01/2022 | |
| satisfied | Parkwell Management Consultants Parkwell Management Consultants Limited | Rent deposit deed | 1 property | 30/09/2011 | 14/02/2017 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 20/06/2006 | 03/06/2015 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (138 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-06
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-20
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-20
termination-director-company-with-name-termination-date
officers · TM01
2025-10-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-18
accounts-with-accounts-type-small
accounts · AA
2025-08-11
change-person-director-company-with-change-date
officers · CH01
2025-08-07
accounts-with-accounts-type-small
accounts · AA
2024-09-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-19
change-person-director-company-with-change-date
officers · CH01
2024-08-19
appoint-person-director-company-with-name-date
officers · AP01
2024-08-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-17
accounts-with-accounts-type-small
accounts · AA
2023-07-08
change-person-director-company-with-change-date
officers · CH01
2023-06-02