AGE UK LANCASHIRE TRADING LTD

🌳Matureactive
06430170 · ltd · incorporated 2007-11-19
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
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
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 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (56/100)

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
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
19 officers (2 active, 19 linked, 14 with DOB)
85
Ownership & PSC
3 active PSC(s) of 10 total, 10 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
100 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

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 (55 events)Click to expand
  1. 2025-12-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-12-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-02-05
    📄
    resolution
    resolution · RESOLUTIONS
  7. 2021-02-05
    📄
    memorandum-articles
    incorporation · MA
  8. 2020-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-11-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  10. 2020-11-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2020-11-07
    ➖
    ACKLAM, David Ian resigned
    director
  12. 2020-11-03
    ➕
    BUYER-WALTON, Victoria appointed
    director
  13. 2020-11-03
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  14. 2020-11-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2020-07-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2019-11-07
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  17. 2019-11-07
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  18. 2019-10-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  19. 2019-10-27
    ➖
    MANNION, Margaret Caroline resigned
    director
  20. 2019-10-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2019-10-02
    ➖
    MUMFORD, Vivien resigned
    director
  22. 2019-10-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  23. 2019-09-05
    ➕
    MANNION, Margaret Caroline appointed
    director
  24. 2019-02-05
    ➖
    CURTIS, Julie Diane resigned
    secretary
  25. 2019-02-05
    ➖
    ROBINSON, David Paul resigned
    director
  26. 2018-08-20
    ➕
    ROBINSON, David Paul appointed
    director
  27. 2018-06-11
    ➕
    STEPHENSON, Teri Mary appointed
    director
  28. 2017-12-20
    ➖
    REES, Brian Elwyn resigned
    director
  29. 2017-11-02
    ➕
    CURTIS, Julie Diane appointed
    secretary
  30. 2017-11-02
    ➖
    TUFFT, Stephanie Mary resigned
    secretary
  31. 2017-09-20
    ➕
    ACKLAM, David Ian appointed
    director
  32. 2017-09-20
    ➕
    MUMFORD, Vivien appointed
    director
  33. 2017-09-20
    ➕
    REES, Brian Elwyn appointed
    director
  34. 2017-09-04
    ➖
    BOTTOMS, Geoffrey resigned
    director
  35. 2017-09-04
    ➖
    MILLS, Terence Arthur resigned
    director
  36. 2017-09-04
    ➖
    WADDINGTON, Herbert John resigned
    director
  37. 2017-08-16
    ➖
    BARREK, Patrick resigned
    director
  38. 2016-07-12
    ➕
    TUFFT, Stephanie Mary appointed
    secretary
  39. 2016-05-31
    ➖
    LEA, Janice resigned
    secretary
  40. 2014-02-28
    ➖
    JAMES, Peter Stoyle resigned
    director
  41. 2013-10-05
    ➕
    LEA, Janice appointed
    secretary
  42. 2013-10-04
    ➖
    MOORE, Geraldine resigned
    secretary
  43. 2012-03-30
    ➕
    MILLS, Terence Arthur appointed
    director
  44. 2010-12-03
    ➕
    BOTTOMS, Geoffrey appointed
    director
  45. 2010-06-11
    ➖
    BURFORD, Margaret Mary resigned
    director
  46. 2009-02-18
    ➕
    JAMES, Peter Stoyle appointed
    director
  47. 2009-02-18
    ➕
    WADDINGTON, Herbert John appointed
    director
  48. 2008-03-01
    ➕
    MOORE, Geraldine appointed
    secretary
  49. 2008-03-01
    ➖
    TLL COMPANY SERVICES LIMITED resigned
    corporate-secretary
  50. 2008-03-01
    ➕
    BARREK, Patrick appointed
    director
Showing most recent 50 of 55 events

Owner dependency

66/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

56/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 19 years old and no new directors in the last 3 years — succession not yet being planned internally.

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

Age Uk Lancashire holds 25-50% — a significant corporate investor but not a controlling parent.

🏛️
Age Uk Lancashire
Corporate parent
⬇
AGE UK LANCASHIRE TRADING LTD
This company · 06430170

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Teresa Mary Stephenson
Individual · British · DOB 09/1968 · age 58
25–50%
—25-50% shares05/02/2019
Mrs Victoria Buyer-Walton
Individual · British · DOB 07/1977 · age 49
——sig. influencesignificant influence03/11/2020
Age Uk Lancashire
Corporate entity
——sig. influencesignificant influence06/04/2016
7 historic (ceased) PSCs
  • Mr David Ian Acklamceased 09/11/2020· 25-50% shares
  • Ms Vivien Mumfordceased 11/06/2018· 25-50% voting
  • Mr David Ian Acklamceased 11/06/2018· 25-50% voting
  • Mr Brian Elwyn Reesceased 20/12/2017· 25-50% voting
  • Mr Geoffrey Bottomsceased 04/09/2017· 25-50% voting
  • Mr Terence Arthur Millsceased 04/09/2017· 25-50% voting
  • Mr Herbert John Waddingtonceased 04/09/2017· 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

Active · Financial services · L postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
23 SPV LTD→
12855808 · est 2020 · no financials extracted
————5y——
9 GT LTD→
14746818 · est 2023 · no financials extracted
————3y——
ABRAMS INVESTMENTS LTD→
15336300 · est 2023 · no financials extracted
————2y——
AFFINITY FINANCIAL AWARENESS LIMITED→
05246999 · est 2004 · no financials extracted
————21y——
AFM BUSINESS GROWTH LIMITED→
10829228 · est 2017 · no financials extracted
————8y——
AFM MERSEYSIDE MEZZANINE LIMITED→
04274732 · est 2001 · no financials extracted
————24y——
AFM SEED FUND LTD.→
05303817 · est 2004 · no financials extracted
————21y——
AFM SMALL FIRMS FUND LIMITED→
04275276 · est 2001 · no financials extracted
————24y——
AGE CONCERN LIVERPOOL (SERVICES) LIMITED→
02118327 · est 1987 · no financials extracted
————39y——
AILIST (HOLDINGS) LIMITED→
12265957 · est 2019 · no financials extracted
————6y——
AIVESTA LTD→
15771537 · est 2024 · no financials extracted
————1y——
AKSM GROUP LIMITED→
16794149 · est 2025 · no financials extracted
———————
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
Incorporated2007-11-19
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Wellbeing Centre
Moorgate
Ormskirk
L39 4RY
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-08
Last: 2025-09-24

Officers (2 active · 17 resigned)

BUYER-WALTON, Victoria→
director · ~49y · appointed 2020-11-03
View their other companies + combined net worth →
Active
STEPHENSON, Teri Mary→
director · ~58y · appointed 2018-06-11
View their other companies + combined net worth →
Active
CURTIS, Julie Diane→
secretary · appointed 2017-11-02 · resigned 2019-02-05
Resigned
LEA, Janice→
secretary · appointed 2013-10-05 · resigned 2016-05-31
Resigned
MOORE, Geraldine→
secretary · appointed 2008-03-01 · resigned 2013-10-04
Resigned
TUFFT, Stephanie Mary→
secretary · appointed 2016-07-12 · resigned 2017-11-02
Resigned
TLL COMPANY SERVICES LIMITED→
corporate-secretary · appointed 2007-11-19 · resigned 2008-03-01
Resigned
ACKLAM, David Ian→
director · ~73y · appointed 2017-09-20 · resigned 2020-11-07
Resigned
BARREK, Patrick→
director · ~78y · appointed 2008-03-01 · resigned 2017-08-16
Resigned
BOTTOMS, Geoffrey→
director · ~79y · appointed 2010-12-03 · resigned 2017-09-04
Resigned
BURFORD, Margaret Mary→
director · ~91y · appointed 2008-03-01 · resigned 2010-06-11
Resigned
JAMES, Peter Stoyle→
director · ~90y · appointed 2009-02-18 · resigned 2014-02-28
Resigned
LUCAS, David Paul→
director · ~74y · appointed 2007-11-19 · resigned 2008-03-01
Resigned
MANNION, Margaret Caroline→
director · ~55y · appointed 2019-09-05 · resigned 2019-10-27
Resigned
MILLS, Terence Arthur→
director · ~81y · appointed 2012-03-30 · resigned 2017-09-04
Resigned
MUMFORD, Vivien→
director · ~71y · appointed 2017-09-20 · resigned 2019-10-02
Resigned
REES, Brian Elwyn→
director · ~68y · appointed 2017-09-20 · resigned 2017-12-20
Resigned
ROBINSON, David Paul→
director · ~61y · appointed 2018-08-20 · resigned 2019-02-05
Resigned
WADDINGTON, Herbert John→
director · ~88y · appointed 2009-02-18 · resigned 2017-09-04
Resigned

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

Recent filings (100 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-20
resolution
resolution · RESOLUTIONS
2021-02-05
memorandum-articles
incorporation · MA
2021-02-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-20
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2020-11-09
termination-director-company-with-name-termination-date
officers · TM01
2020-11-09