BENNETT CHRISTMAS INSURANCE BROKERS LTD

🌳Matureactive

05402688 · ltd · incorporated 2005-03-23

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.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

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

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 72/100 (strong), bankability 77/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (50/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 19.5y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 19.5 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 38/100 — 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

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

22 officers (3 active, 22 linked, 17 with DOB)

Ownership & PSC

1 active PSC(s) of 4 total, 4 with control declared

Director network

10 connected companies via shared directors

Filing history

121 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

72/100Strong

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

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filing

• 1 officers

Last 90 days

filings

• 4 officers

Last 180 days

filings

• 5 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (70 events)Click to expand

2026-05-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-05-11
➕
FIRMIN, Katherine appointed
director
2026-05-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-05-05
➖
YEANDLE, James resigned
director
2026-05-05
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2026-04-30
➖
CALLIDUS SECRETARIES LIMITED resigned
corporate-secretary
2026-04-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-03-31
➕
LOWE, Scott appointed
director
2025-12-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-03
➖
TUPLIN, Richard resigned
director
2025-11-07
📄
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-11-07
📄
legacy
accounts · PARENT_ACC
2025-11-07
📄
legacy
other · GUARANTEE2
2025-11-07
📄
legacy
other · AGREEMENT2
2024-11-21
📄
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-11-21
📄
legacy
accounts · PARENT_ACC
2024-11-21
📄
legacy
other · AGREEMENT2
2024-11-21
📄
legacy
other · GUARANTEE2
2024-05-16
📄
change-person-director-company-with-change-date
officers · CH01
2024-05-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-05-13
➖
STRIPP, Thomas resigned
director
2023-11-07
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-11-07
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-10-12
📄
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2023-10-12
📄
legacy
accounts · PARENT_ACC
2023-10-12
📄
legacy
other · AGREEMENT2
2023-10-12
📄
legacy
other · GUARANTEE2
2023-10-03
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-08-01
➕
TUPLIN, Richard appointed
director
2023-08-01
➖
WILLIAMS, Huw Scott resigned
director
2023-08-01
➖
WORRELL, Robert Laurence resigned
director
2023-08-01
➕
YEANDLE, James appointed
director
2023-06-04
➖
SHORTLAND, Christopher David resigned
director
2022-05-26
➕
SHORTLAND, Christopher David appointed
director
2022-05-26
➖
TUPLIN, Richard resigned
director
2022-02-22
➕
ARDONAGH CORPORATE SECRETARY LIMITED appointed
corporate-secretary
2022-02-22
➖
CLARKE, Dean resigned
secretary
2021-02-08
➖
SHORTLAND, Christopher David resigned
director
2021-01-28
➖
BENNETT, Mark resigned
director
2021-01-28
➖
CHRISTMAS, Roger Paul resigned
director
2020-11-27
➕
BENNETT, Mark appointed
director
2020-11-27
➖
BENNETT, Mark resigned
director
2020-11-27
➕
CHRISTMAS, Roger Paul appointed
director
2020-11-27
➖
CHRISTMAS, Roger Paul resigned
director
2020-11-14
➕
WILLIAMS, Huw Scott appointed
director
2020-11-14
➕
WORRELL, Robert Laurence appointed
director
2020-09-30
➕
CLARKE, Dean appointed
secretary
2020-09-30
➖
SHORTLAND, Christopher David resigned
secretary
2020-07-15
🔓
Charge satisfied #3
2020-06-05
🔒
Charge registered #3
Lender: Lucid Trustee Services Limited

Showing most recent 50 of 70 events

Owner dependency

58/100

Moderate — manageable with handover

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

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

36/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS

secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 med ·

3 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: CALLIDUS SECRETARIES LIMITED resigned 2026-04-30; TUPLIN, Richard resigned 2025-12-03; YEANDLE, James resigned 2026-05-05

Group structure

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

🏛️

Box Investment Holdings Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

BENNETT CHRISTMAS INSURANCE BROKERS LTD

This company · 05402688

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
Box Investment Holdings Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	11/12/2020

3 historic (ceased) PSCs

Bennett Christmas Partners Ltdceased 11/12/2020· 75-100% shares · 75-100% voting · board control
Bennett Christmas Group Ltdceased 31/08/2017· 50-75% shares · 50-75% voting · board control
Christmas Insurance Brokers Ltdceased 31/08/2017· 25-50% shares · 25-50% 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 →

Similar companies

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CHESHIRE HOLDCO LTD→ 15682194 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
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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

Incorporated2005-03-23

Jurisdictionengland-wales

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

2nd Floor The Hamlet

Hornbeam Park

Harrogate

HG2 8RE

United Kingdom

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-03-19

Last: 2026-03-05

Officers (3 active · 19 resigned)

ARDONAGH CORPORATE SECRETARY LIMITED→

corporate-secretary · appointed 2022-02-22

View their other companies + combined net worth →

Active

FIRMIN, Katherine→

director · ~48y · appointed 2026-05-11

View their other companies + combined net worth →

Active

LOWE, Scott→

director · ~53y · appointed 2026-03-31

View their other companies + combined net worth →

Active

BENNETT, Mark→

secretary · appointed 2005-03-23 · resigned 2019-08-01

Resigned

CLARKE, Dean→

secretary · appointed 2020-09-30 · resigned 2022-02-22

Resigned

SHORTLAND, Christopher David→

secretary · appointed 2019-08-01 · resigned 2020-09-30

Resigned

CALLIDUS SECRETARIES LIMITED→

corporate-secretary · appointed 2019-08-01 · resigned 2026-04-30

Resigned

BENNETT, Mark→

director · ~61y · appointed 2020-11-27 · resigned 2021-01-28

Resigned

BENNETT, Mark→

director · ~61y · appointed 2005-03-23 · resigned 2020-11-27

Resigned

CHRISTMAS, David Kesten→

director · ~64y · appointed 2010-04-21 · resigned 2019-08-01

Resigned

CHRISTMAS, Roger Paul→

director · ~61y · appointed 2020-11-27 · resigned 2021-01-28

Resigned

CHRISTMAS, Roger Paul→

director · ~61y · appointed 2010-04-21 · resigned 2020-11-27

Resigned

PORTER, David→

director · ~63y · appointed 2005-03-23 · resigned 2017-10-31

Resigned

REBBETTS, Christopher John→

director · ~71y · appointed 2010-04-21 · resigned 2019-06-30

Resigned

SHORTLAND, Christopher David→

director · ~49y · appointed 2022-05-26 · resigned 2023-06-04

Resigned

SHORTLAND, Christopher David→

director · ~49y · appointed 2019-08-01 · resigned 2021-02-08

Resigned

STRIPP, Thomas→

director · ~43y · appointed 2017-11-01 · resigned 2024-05-13

Resigned

TUPLIN, Richard→

director · ~50y · appointed 2023-08-01 · resigned 2025-12-03

Resigned

TUPLIN, Richard→

director · ~50y · appointed 2019-08-01 · resigned 2022-05-26

Resigned

WILLIAMS, Huw Scott→

director · ~48y · appointed 2020-11-14 · resigned 2023-08-01

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:3 of 3 shown

		Type	Properties
satisfied	Lucid Trustee Services Lucid Trustee Services Limited	A registered charge	—	05/06/2020	15/07/2020
satisfied	Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)	A registered charge	—	14/09/2017	14/08/2019
satisfied	National Westminster Bank National Westminster Bank PLC	Debenture	1 property	06/12/2006	20/09/2017

Recent filings (121 total)

appoint-person-director-company-with-name-date

officers · AP01

2026-05-12

termination-director-company-with-name-termination-date

officers · TM01

2026-05-06

termination-secretary-company-with-name-termination-date

officers · TM02

2026-05-05

appoint-person-director-company-with-name-date

officers · AP01

2026-04-03

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-03-05

termination-director-company-with-name-termination-date

officers · TM01

2025-12-12

accounts-with-accounts-type-audit-exemption-subsiduary

accounts · AA

2025-11-07

legacy

accounts · PARENT_ACC

2025-11-07

legacy

other · GUARANTEE2

2025-11-07

legacy

other · AGREEMENT2

2025-11-07

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-03-10

accounts-with-accounts-type-audit-exemption-subsiduary

accounts · AA

2024-11-21

legacy

accounts · PARENT_ACC

2024-11-21

legacy

other · AGREEMENT2

2024-11-21

legacy

other · GUARANTEE2

2024-11-21