JUST INSURANCE AGENTS LIMITED

🌳Matureactive

05399196 · ltd · incorporated 2005-03-19

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.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 5.5y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Sept 2025

Net worth

—

book net assets

Opportunity

70/100

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 70/100 (strong), bankability 80/100. 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

1 live charge · oldest 5.5y

85/100

ready

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

· Oldest live charge is 5.5 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (81/100)

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

10 officers (6 active, 10 linked, 7 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

6 connected companies via shared directors

Filing history

78 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

70/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

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

—

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
Average employees	3500	3800

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

filings

• 1 accounts
• 1 address

Last 90 days

filings

• 2 address
• 1 accounts

Last 180 days

filings

• 2 address
• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (35 events)Click to expand

2026-06-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-06-04
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-05-28
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-08
➕
ROBINSON, Dale Kristopher appointed
director
2024-06-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-10
📍
change-sail-address-company-with-old-address-new-address
address · AD02
2024-03-26
📍
change-sail-address-company-with-old-address-new-address
address · AD02
2023-03-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-18
📄
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2022-11-18
📄
legacy
capital · SH20
2022-11-18
⚠️
legacy
insolvency · CAP-SS
2022-11-18
📄
resolution
resolution · RESOLUTIONS
2022-03-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-20
📄
capital-allotment-shares
capital · SH01
2021-02-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-01
📄
change-account-reference-date-company-previous-extended
accounts · AA01
2021-01-29
📄
capital-allotment-shares
capital · SH01
2021-01-08
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-01-08
🔒
Charge registered #1
Lender: The Co-Operative Bank P.L.C.
2020-01-16
➕
NEWTON, Christopher Robert appointed
secretary
2020-01-16
➖
NEWTON, Robert resigned
secretary
2020-01-16
➖
LEE, Kenneth Hin Yeow resigned
director
2020-01-16
➖
NEWTON, Robert resigned
director
2019-06-26
➕
GORE, Daley Paul appointed
director
2019-06-26
➕
MELLEFONT, Isabel appointed
director
2013-10-11
➕
NEWTON, Christopher Robert appointed
director
2005-03-19
🏢
Company incorporated
As JUST INSURANCE AGENTS LIMITED
2005-03-19
➕
JACKSON, Andrew appointed
director
2005-03-19
➕
NEWTON, Robert appointed
secretary
2005-03-19
➕
SWIFT INCORPORATIONS LIMITED appointed
corporate-nominee-secretary
2005-03-19
➖
SWIFT INCORPORATIONS LIMITED resigned
corporate-nominee-secretary
2005-03-19
➕
LEE, Kenneth Hin Yeow appointed
director
2005-03-19
➕
NEWTON, Robert appointed
director

Owner dependency

50/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

50/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primary20+ year tenure: Director in role 21 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

1 high · 1 low

1 insolvency-related filing on record

high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2022-11-18: legacy

Multiple registered office changes

low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Group structure

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

🏛️

Nljis Holdings Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

JUST INSURANCE AGENTS LIMITED

This company · 05399196

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
Nljis Holdings Limited Corporate entity	75–100%	—	75-100% shares	19/03/2017

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

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FINANCE MY WILL LTD→ 16437365 · est 2025 · no financials extracted	—	—	—	—	—	—	—
KDO INVESTCO LIMITED→ 15586499 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
LILYPAD FINANCIAL PLANNING LTD→ 11579535 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
M.S.N SECURE SERVICES LTD→ 15357514 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
MARK JACOBS WEALTH MANAGEMENT LIMITED→ 09145453 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
MILLFORD FINANCIAL PLANNING LIMITED→ 08802722 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
NEIL HUTCHINSON MORTGAGES LIMITED→ 14422922 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
NICHOLSON NORTH LIMITED→ 14371729 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
NORTHERN BEAR AUTOMOTIVE LTD→ 15358254 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
NORTHERN SPIRE LIMITED→ 04382488 · est 2002 · no financials extracted	—	—	—	—	24y	—	—
NXT:GEN INVESTMENTS LTD→ 14496093 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
OLS INVESTMENTS LTD→ 14905455 · est 2023 · no financials extracted	—	—	—	—	2y	—	—

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

Incorporated2005-03-19

Jurisdictionengland-wales

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Teleport House Grayling Court

Doxford International Business Park

Sunderland

SR3 3XD

England

Filing status

Accounts

Next due: 2027-06-30

Last made up to: 2025-09-30

Confirmation statement

Next due: 2027-03-16

Last: 2026-03-02