ABACUS ASSURANCE FINANCIAL SERVICES LIMITED

🌳Matureactive
05719712 · ltd · incorporated 2006-02-23
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 7.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
🔔
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65120Non-life insurance
  • 65201Life reinsurance
  • 65202Non-life reinsurance
Investor take
Pursue
Active trading company with a 75-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (93/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · oldest 7.5y

85/100
ready

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

  • · Oldest live charge is 7.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (69/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 4 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 2 with DOB)
80
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
59 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.

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-05-31

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
0
filings
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-10-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2025-06-25
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  3. 2025-06-25
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  4. 2025-06-25
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  5. 2025-06-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2024-07-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-01-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  8. 2024-01-19
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  9. 2024-01-19
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  10. 2023-07-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-06-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-02-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  13. 2022-02-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2022-02-03
    🔓
    Charge satisfied #2
  15. 2022-02-03
    🔓
    Charge satisfied #1
  16. 2021-06-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2020-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2019-06-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  19. 2019-01-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  20. 2019-01-03
    🔒
    Charge registered #2
    Lender: Lloyds Bank PLC
  21. 2018-11-07
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  22. 2009-09-30
    ➕
    ESQUARE LTD appointed
    corporate-secretary
  23. 2009-09-16
    ➖
    PHOENIX AUDIT LIMITED resigned
    corporate-secretary
  24. 2006-02-23
    🏢
    Company incorporated
    As ABACUS ASSURANCE FINANCIAL SERVICES LIMITED
  25. 2006-02-23
    ➕
    VAUGHAN, Caroline Winifred appointed
    director
  26. 2006-02-23
    ➕
    VAUGHAN, Philip Salmon appointed
    director
  27. 2006-02-23
    ➕
    PHOENIX AUDIT LIMITED appointed
    corporate-secretary

Owner dependency

91/100
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 20 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 75 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 20 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

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

🏛️
Abacus Afs Holdings Ltd
Corporate parent · holds 75-100% shares
ultimate parent
⬇
ABACUS ASSURANCE FINANCIAL SERVICES LIMITED
This company · 05719712

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
Abacus Afs Holdings Ltd
Corporate entity
75–100%
—75-100% shares25/06/2025
3 historic (ceased) PSCs
  • Vaughan Holdings (Porthcawl) Ltdceased 25/06/2025· 75-100% shares
  • Mr Philip Vaughanceased 11/01/2024· 25-50% shares
  • Mrs Caroline Vaughanceased 11/01/2024· 25-50% shares

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2006-02-23
Jurisdictionengland-wales
Primary SIC65110 — Life insurance

Registered office

Venta House
Maesglas Retail Park
Newport
NP20 2NS
Wales

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-07-09
Last: 2025-06-25

Officers (3 active · 1 resigned)

ESQUARE LTD→
corporate-secretary · appointed 2009-09-30
View their other companies + combined net worth →
Active
VAUGHAN, Caroline Winifred→
director · ~75y · appointed 2006-02-23
View their other companies + combined net worth →
Active
VAUGHAN, Philip Salmon→
director · ~73y · appointed 2006-02-23
View their other companies + combined net worth →
Active
PHOENIX AUDIT LIMITED→
corporate-secretary · appointed 2006-02-23 · resigned 2009-09-16
Resigned

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property03/01/201903/02/2022
satisfied
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property07/11/201803/02/2022

Recent filings (59 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-08
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2025-06-25
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-25
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-06-25
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-06-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-02
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-01-19
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-19
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-24