DIB INSURANCE LIMITED

🌳Matureactive
05253202 · ltd · incorporated 2004-10-07
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
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 Dec 2025
Net worth
£232.5k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 64-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -71% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 21.5y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 21.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (79/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
9 officers (2 active, 9 linked, 5 with DOB)
81
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
81 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £232,452
Cash draining
Cash down 71% YoY
Cash YoY
-71%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£7k
↓ 71% YoY
Net Worth
£232k
↑ 2.8% YoY
Current Assets
£289k
↓ 8.2% YoY
Current Liabilities
—
£0£63k£126k£189k£252k£314kDec 2024Dec 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-12-312024-12-31
Total assets£232.6k£238.3k
Current assets£288.8k£314.5k
Cash£6.6k£22.7k
Debtors£282.2k£291.8k
Net assets£232.5k£226.1k

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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
  1. 2026-03-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-09-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-01-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2025-01-17
    🔓
    Charge satisfied #1
  5. 2024-08-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-08-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-08-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-08-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-07-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-07-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-05-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2017-11-22
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2017-10-26
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  14. 2017-10-26
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  15. 2017-10-23
    📄
    capital-name-of-class-of-shares
    capital · SH08
  16. 2017-10-23
    📄
    capital-allotment-shares
    capital · SH01
  17. 2017-10-23
    📄
    capital-alter-shares-subdivision
    capital · SH02
  18. 2017-09-20
    ➖
    MURRAY, Randolph Hugh resigned
    director
  19. 2017-07-01
    ➖
    DUNK, Brian Albert resigned
    director
  20. 2012-08-09
    ➖
    KINDER, Adrian Jeffrey resigned
    secretary
  21. 2012-08-09
    ➕
    DUNK, Brian Albert appointed
    director
  22. 2011-07-19
    ➕
    MURRAY, Randolph Hugh appointed
    director
  23. 2006-09-29
    ➕
    KINDER, Adrian Jeffrey appointed
    secretary
  24. 2006-09-29
    ➖
    RICKS, Malcolm resigned
    secretary
  25. 2006-09-29
    ➖
    RICKS, Malcolm resigned
    director
  26. 2005-01-07
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  27. 2004-10-07
    🏢
    Company incorporated
    As DIB INSURANCE LIMITED
  28. 2004-10-07
    ➕
    KINDER, Adrian Jeffrey appointed
    director
  29. 2004-10-07
    ➕
    KINDER, Kevin Timothy appointed
    director
  30. 2004-10-07
    ➕
    RICKS, Malcolm appointed
    secretary
  31. 2004-10-07
    ➕
    L & A SECRETARIAL LIMITED appointed
    corporate-nominee-secretary
  32. 2004-10-07
    ➖
    L & A SECRETARIAL LIMITED resigned
    corporate-nominee-secretary
  33. 2004-10-07
    ➕
    RICKS, Malcolm appointed
    director
  34. 2004-10-07
    ➕
    L & A REGISTRARS LIMITED appointed
    corporate-nominee-director
  35. 2004-10-07
    ➖
    L & A REGISTRARS 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 22 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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

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

Group structure

Kinder Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Kinder Holdings Ltd
Corporate parent · holds 75-100% shares
ultimate parent
⬇
DIB INSURANCE LIMITED
This company · 05253202

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%
NameSharesVoting rightsNature of controlNotified
Kinder Holdings Ltd
Corporate entity
75–100%
75–100%75-100% shares · 75-100% voting19/09/2017
1 historic (ceased) PSC
  • Dib Holdings Limitedceased 18/09/2017· 75-100% shares · 75-100% voting

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
Incorporated2004-10-07
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

The Old Post Office
41-43 Market Place
Chippenham
Wiltshire
SN15 3HR
England

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-10-21
Last: 2025-10-07

Officers (2 active · 7 resigned)

KINDER, Adrian Jeffrey→
director · ~61y · appointed 2004-10-07
View their other companies + combined net worth →
Active
KINDER, Kevin Timothy→
director · ~64y · appointed 2004-10-07
View their other companies + combined net worth →
Active
KINDER, Adrian Jeffrey→
secretary · appointed 2006-09-29 · resigned 2012-08-09
Resigned
RICKS, Malcolm→
secretary · appointed 2004-10-07 · resigned 2006-09-29
Resigned
L & A SECRETARIAL LIMITED→
corporate-nominee-secretary · appointed 2004-10-07 · resigned 2004-10-07
Resigned
DUNK, Brian Albert→
director · ~74y · appointed 2012-08-09 · resigned 2017-07-01
Resigned
MURRAY, Randolph Hugh→
director · ~78y · appointed 2011-07-19 · resigned 2017-09-20
Resigned
RICKS, Malcolm→
director · ~65y · appointed 2004-10-07 · resigned 2006-09-29
Resigned
L & A REGISTRARS LIMITED→
corporate-nominee-director · appointed 2004-10-07 · resigned 2004-10-07
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
HSBC
Hsbc Bank PLC
Debenture1 property07/01/200517/01/2025

Recent filings (81 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-24
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-09