INSURANCE SOLUTIONS UK LTD
💤Zombieactive
05817003 · ltd · incorporated 2006-05-15
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 May 2025
Net worth
£14.0k
book net assets
Opportunity
67/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Special-situation opportunityDistressed financial-services with salvageable qualities — special-situations priority.
Opportunity 67/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (76/100)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
2 officers (2 active, 2 linked, 1 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
42 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
60
Some acquirability indicators.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £14,014
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£14k
~ YoY
Current Assets
£14k
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £14.0k | £14.0k |
| Current assets | £14.3k | £14.3k |
| Net assets | £14.0k | £14.0k |
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 (19 events)Click to expand
- 2026-05-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-05-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-02-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-02-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-02-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-03-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-02-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-06-24📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-02-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-06-25📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-02-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-05-21📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2006-05-15🏢Company incorporatedAs INSURANCE SOLUTIONS UK LTD
- 2006-05-15➕BUTT, Zafar Iqbal appointedsecretary
- 2006-05-15➕BUTT, Sultan Khalid appointeddirector
Owner dependency
90/100
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 20 years — deep operational knowledge concentrated in one person.
- +No director turnover: Company is 20 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
70/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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.
Red flags
1 high ·Confirmation statement overdue
highAnnual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-05-16
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Sultan Khalid Butt Individual · British · DOB 04/1976 · age 50 | 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.
Similar companies
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|---|---|---|---|---|---|---|---|
| DALLAS WILDING DREW LTD→ 13128315 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| FB MORTGAGES LIMITED→ 14610888 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| IM MORTGAGE SOLUTIONS LIMITED→ 16424810 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| INCOMMUNITIES TREASURY PLC→ 11678195 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| INFORMATION DESIGNS LIMITED→ 09865488 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| INSURING MADE SIMPLE LTD→ 10291450 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| INTER CITY MONEY LIMITED→ 04279071 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| J M FINANCIAL SECURITIES LIMITED→ 04457252 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| JACKSON SWISS PARTNERS FOREIGN EXCHANGE LIMITED→ 10976506 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| JENSTEN INSURANCE BROKERS (YORKSHIRE & HUMBERSIDE) LTD→ 00371448 · est 1941 · no financials extracted | — | — | — | — | 84y | — | — |
| JM MORTGAGE & PROTECTION LIMITED→ 11866024 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| JOHNSTON PENSION TRUSTEES LIMITED→ 06023104 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
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
Incorporated2006-05-15
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
Suite 1, Alpha Business Centre
Otley Road
Bradford
BD3 0HX
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-05-16OVERDUE
Last: 2025-05-02
Officers (2 active · 0 resigned)
Active
BUTT, Sultan Khalid→
Activedirector · ~50y · appointed 2006-05-15
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (42 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-26
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-09
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-14
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-26
accounts-with-accounts-type-micro-entity
accounts · AA
2020-02-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-05-02
accounts-with-accounts-type-micro-entity
accounts · AA
2019-02-28