INCOMEGUARD LTD
💤Zombieactive
05236333 · ltd · incorporated 2004-09-20
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueActive trading company with a 78-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 78). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (77/100)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
4 officers (2 active, 4 linked, 1 with DOB)
75
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
48 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 accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-09-30 | 2024-09-30 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-06-03📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-05-22📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-05-26📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-06-19📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-06-08📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-05-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-06-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-06-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-06-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-06-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-06-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2015-09-21📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-06-15📄accounts-with-accounts-type-dormantaccounts · AA
- 2014-10-03📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-05-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2005-09-20➖WESTCO NOMINEES LIMITED resignedcorporate-secretary
- 2005-09-20➖WESTCO DIRECTORS LTD resignedcorporate-director
- 2004-09-21➕WALTERS, Patricia appointedsecretary
- 2004-09-21➕WALTERS, Frederick Thomas appointeddirector
- 2004-09-20🏢Company incorporatedAs INCOMEGUARD LTD
- 2004-09-20➕WESTCO NOMINEES LIMITED appointedcorporate-secretary
- 2004-09-20➕WESTCO DIRECTORS LTD appointedcorporate-director
Owner dependency
100/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 78 — succession pressure is live.
Succession & seller-readiness
100/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Frederick Thomas Walters Individual · English · DOB 03/1948 · age 78 | 75–100% | — | 75-100% shares | 06/04/2016 |
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 →Similar companies
Active · Financial services · BL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CONNECT BROKERS LIMITED→ 11365141 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| DOCTOR SPEX LIMITED→ 11661951 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| FLUENT MORTGAGES HORWICH LTD→ 14127588 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| GNT SPECIALIST FINANCE CONSULTANCY LTD→ 15452652 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| HINC ORIOR LTD→ 15791205 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| HUZZ TRADING LIMITED→ 16270003 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ICARS INS LIMITED→ 12723868 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| IFSL PLATFORM SERVICES LIMITED→ 10651542 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| IMT FINANCIAL LIMITED→ 11660257 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| INDEPENDENT ADVICE LTD→ 06759774 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| INDEPENDENT CONNECTIONS LIMITED→ 07009858 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| INDEPENDENT FINANCIAL ADVISOR LIMITED→ 05246224 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
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
Incorporated2004-09-20
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
5 Lumb Cottages
Ramsbottom
Bury
Lancashire
BL0 0QS
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-10-04
Last: 2025-09-20
Officers (2 active · 2 resigned)
Active
WALTERS, Frederick Thomas→
Activedirector · ~78y · appointed 2004-09-21
View their other companies + combined net worth →
WESTCO NOMINEES LIMITED→
Resignedcorporate-secretary · appointed 2004-09-20 · resigned 2005-09-20
WESTCO DIRECTORS LTD→
Resignedcorporate-director · appointed 2004-09-20 · resigned 2005-09-20
Click a director name to see their full track record across all companies.
Recent filings (48 total)
accounts-with-accounts-type-dormant
accounts · AA
2026-06-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-25
accounts-with-accounts-type-dormant
accounts · AA
2025-05-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-23
accounts-with-accounts-type-dormant
accounts · AA
2024-05-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-20
accounts-with-accounts-type-dormant
accounts · AA
2023-06-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-20
accounts-with-accounts-type-dormant
accounts · AA
2022-06-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-23
accounts-with-accounts-type-dormant
accounts · AA
2021-05-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-01
accounts-with-accounts-type-dormant
accounts · AA
2020-06-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-09-23
accounts-with-accounts-type-dormant
accounts · AA
2019-06-05