AMB INSURANCE SERVICES LTD.

🌳Matureactive
04923995 · ltd · incorporated 2003-10-07
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 15.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
72/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 72/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. 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).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 15.1y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 15.1 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 4 with DOB)
81
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
104 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
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 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees19002100

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
4
filings
  • • 2 capital
  • • 1 incorporation
  • • 1 resolution
Last 90 days
7
filings
  • • 3 persons-with-significant-control
  • • 2 capital
  • • 1 incorporation
Last 180 days
9
filings
  • • 4 persons-with-significant-control
  • • 2 capital
  • • 1 incorporation
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
  1. 2026-05-03
    📄
    capital-name-of-class-of-shares
    capital · SH08
  2. 2026-05-03
    📄
    memorandum-articles
    incorporation · MA
  3. 2026-05-03
    📄
    resolution
    resolution · RESOLUTIONS
  4. 2026-05-03
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  5. 2026-04-15
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  6. 2026-04-15
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  7. 2026-04-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  8. 2026-01-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  9. 2025-11-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2025-11-04
    🔓
    Charge satisfied #3
  11. 2025-08-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2025-04-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2024-07-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2024-07-03
    📄
    capital-statement-capital-company-with-date-currency-figure
    capital · SH19
  15. 2024-07-03
    📄
    legacy
    capital · SH20
  16. 2024-07-03
    ⚠️
    legacy
    insolvency · CAP-SS
  17. 2024-07-03
    📄
    resolution
    resolution · RESOLUTIONS
  18. 2023-09-05
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  19. 2023-06-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2022-12-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2022-11-21
    🔒
    Charge registered #3
    Lender: Dcha Investments Limited
  22. 2022-09-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  23. 2022-04-28
    🔓
    Charge satisfied #2
  24. 2016-04-01
    ➕
    JONES, Mark William appointed
    director
  25. 2016-04-01
    ➕
    LYCETT, Peter Joseph appointed
    director
  26. 2014-10-10
    🔒
    Charge registered #2
    Lender: National Westminster Bank PLC
  27. 2013-01-24
    🔓
    Charge satisfied #1
  28. 2012-10-31
    ➖
    PIGEON, Claire Elizabeth resigned
    secretary
  29. 2012-10-31
    ➖
    PIGEON, Claire Elizabeth resigned
    director
  30. 2011-04-04
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  31. 2005-05-27
    ➕
    PIGEON, Claire Elizabeth appointed
    director
  32. 2004-09-24
    ➖
    BARROW, Louise Noreen resigned
    secretary
  33. 2004-09-24
    ➕
    PIGEON, Claire Elizabeth appointed
    secretary
  34. 2003-10-07
    🏢
    Company incorporated
    As AMB INSURANCE SERVICES LTD.
  35. 2003-10-07
    ➕
    BARROW, Andrew Mark appointed
    director
  36. 2003-10-07
    ➕
    BARROW, Louise Noreen appointed
    secretary
  37. 2003-10-07
    ➕
    CHETTLEBURGHS SECRETARIAL LTD appointed
    corporate-nominee-secretary
  38. 2003-10-07
    ➖
    CHETTLEBURGHS SECRETARIAL LTD resigned
    corporate-nominee-secretary

Owner dependency

60/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

60/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • 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

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: 2024-07-03: legacy

Group structure

3 corporate shareholders identified. Group structure is distributed.

🏛️
Teem Jones Holdings Limited
Corporate parent · holds 25-50% shares
significant stake
🏛️
Jaleo Holdings Ltd
Corporate parent · holds 25-50% shares
significant stake
🏛️
Amb Property Management Limited
Corporate parent · holds 25-50% shares
significant stake
⬇
AMB INSURANCE SERVICES LTD.
This company · 04923995

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

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Teem Jones Holdings Limited
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting20/03/2026
Jaleo Holdings Ltd
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting20/03/2026
Amb Property Management Limited
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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
Incorporated2003-10-07
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Hillcrest House 2 Woodland Avenue
Wolstanton
Newcastle Under Lyme
Staffordshire
ST5 8AZ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-13
Last: 2026-01-30

Officers (3 active · 4 resigned)

BARROW, Andrew Mark→
director · ~55y · appointed 2003-10-07
View their other companies + combined net worth →
Active
JONES, Mark William→
director · ~41y · appointed 2016-04-01
View their other companies + combined net worth →
Active
LYCETT, Peter Joseph→
director · ~42y · appointed 2016-04-01
View their other companies + combined net worth →
Active
BARROW, Louise Noreen→
secretary · appointed 2003-10-07 · resigned 2004-09-24
Resigned
PIGEON, Claire Elizabeth→
secretary · appointed 2004-09-24 · resigned 2012-10-31
Resigned
CHETTLEBURGHS SECRETARIAL LTD→
corporate-nominee-secretary · appointed 2003-10-07 · resigned 2003-10-07
Resigned
PIGEON, Claire Elizabeth→
director · ~49y · appointed 2005-05-27 · resigned 2012-10-31
Resigned

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

Mortgages & charges

3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Dcha Investments
Dcha Investments Limited
A registered charge1 property21/11/202204/11/2025
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge—10/10/201428/04/2022
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property04/04/201124/01/2013

Recent filings (104 total)

capital-name-of-class-of-shares
capital · SH08
2026-05-03
memorandum-articles
incorporation · MA
2026-05-03
resolution
resolution · RESOLUTIONS
2026-05-03
capital-variation-of-rights-attached-to-shares
capital · SH10
2026-05-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-04-15
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-04-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2026-04-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2026-01-15
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-01
change-person-director-company-with-change-date
officers · CH01
2025-04-15
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-26
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2024-07-03