APEX INSURANCE SERVICES LIMITED

🌳Matureactive
06464614 · ltd · incorporated 2008-01-04
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 5.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 80-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 80). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 5.1y

85/100
ready

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

  • · Oldest live charge is 5.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (61/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
10 officers (2 active, 10 linked, 6 with DOB)
82
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
17 connected companies via shared directors
90
Filing history
74 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.

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 (36 events)Click to expand
  1. 2026-01-15
    📄
    accounts-with-accounts-type-audit-exemption-subsiduary
    accounts · AA
  2. 2026-01-15
    📄
    legacy
    other · AGREEMENT2
  3. 2025-12-27
    📄
    legacy
    accounts · PARENT_ACC
  4. 2025-12-27
    📄
    legacy
    other · GUARANTEE2
  5. 2024-12-02
    📄
    accounts-with-accounts-type-full
    accounts · AA
  6. 2024-01-09
    📄
    accounts-with-accounts-type-full
    accounts · AA
  7. 2023-01-05
    📄
    accounts-with-accounts-type-full
    accounts · AA
  8. 2022-03-28
    📄
    accounts-with-accounts-type-full
    accounts · AA
  9. 2021-12-31
    ➖
    MEREDITH, Peter James resigned
    secretary
  10. 2021-12-31
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  11. 2021-06-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2021-06-08
    🔒
    Charge registered #1
    Lender: Barclays Security Trustee Limited
  13. 2021-02-26
    📄
    accounts-with-accounts-type-full
    accounts · AA
  14. 2020-04-23
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2020-04-23
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2020-04-01
    ➕
    KIEDISH, Mark appointed
    director
  17. 2020-04-01
    ➖
    RUPAL, Raj Gopal resigned
    director
  18. 2019-11-27
    📄
    accounts-with-accounts-type-full
    accounts · AA
  19. 2018-10-09
    📄
    accounts-with-accounts-type-full
    accounts · AA
  20. 2017-12-20
    📄
    accounts-with-accounts-type-full
    accounts · AA
  21. 2015-03-31
    ➖
    COMPTON, Paul Michael resigned
    director
  22. 2015-02-18
    ➕
    MEREDITH, Peter James appointed
    secretary
  23. 2015-02-18
    ➖
    RUPAL, Raj Gopal resigned
    secretary
  24. 2015-01-31
    ➖
    TAYLOR, David Alexander resigned
    director
  25. 2014-12-31
    ➖
    GOODMAN, Paul Robin resigned
    director
  26. 2008-04-16
    ➕
    COMPTON, Paul Michael appointed
    director
  27. 2008-02-15
    ➕
    SPEERS, John Crispin appointed
    director
  28. 2008-02-15
    ➕
    RUPAL, Raj Gopal appointed
    secretary
  29. 2008-02-15
    ➖
    LAWGRAM SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  30. 2008-02-15
    ➕
    GOODMAN, Paul Robin appointed
    director
  31. 2008-02-15
    ➕
    RUPAL, Raj Gopal appointed
    director
  32. 2008-02-15
    ➕
    TAYLOR, David Alexander appointed
    director
  33. 2008-02-15
    ➖
    WHALE ROCK DIRECTORS LIMITED resigned
    corporate-nominee-director
  34. 2008-01-04
    🏢
    Company incorporated
    As APEX INSURANCE SERVICES LIMITED
  35. 2008-01-04
    ➕
    LAWGRAM SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  36. 2008-01-04
    ➕
    WHALE ROCK DIRECTORS LIMITED appointed
    corporate-nominee-director

Owner dependency

83/100
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 18 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 80 — succession pressure is live.

Succession & seller-readiness

89/100
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 80 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 18 years.
  • secondaryStable-but-static management: Company is 19 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.)

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr John Crispin Speers
Individual · British · DOB 10/1946 · age 80
——sig. influencesignificant influence03/01/2017

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 →

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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
Incorporated2008-01-04
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

St Clare House
30-33 Minories
London
EC3N 1PE

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-16
Last: 2026-01-02

Officers (2 active · 8 resigned)

KIEDISH, Mark→
director · ~44y · appointed 2020-04-01
View their other companies + combined net worth →
Active
SPEERS, John Crispin→
director · ~80y · appointed 2008-02-15
View their other companies + combined net worth →
Active
MEREDITH, Peter James→
secretary · appointed 2015-02-18 · resigned 2021-12-31
Resigned
RUPAL, Raj Gopal→
secretary · appointed 2008-02-15 · resigned 2015-02-18
Resigned
LAWGRAM SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2008-01-04 · resigned 2008-02-15
Resigned
COMPTON, Paul Michael→
director · ~61y · appointed 2008-04-16 · resigned 2015-03-31
Resigned
GOODMAN, Paul Robin→
director · ~72y · appointed 2008-02-15 · resigned 2014-12-31
Resigned
RUPAL, Raj Gopal→
director · ~78y · appointed 2008-02-15 · resigned 2020-04-01
Resigned
TAYLOR, David Alexander→
director · ~71y · appointed 2008-02-15 · resigned 2015-01-31
Resigned
WHALE ROCK DIRECTORS LIMITED→
corporate-nominee-director · appointed 2008-01-04 · resigned 2008-02-15
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge—08/06/2021—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (74 total)

accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2026-01-15
legacy
other · AGREEMENT2
2026-01-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-13
legacy
accounts · PARENT_ACC
2025-12-27
legacy
other · GUARANTEE2
2025-12-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-02
accounts-with-accounts-type-full
accounts · AA
2024-12-02
accounts-with-accounts-type-full
accounts · AA
2024-01-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-22
accounts-with-accounts-type-full
accounts · AA
2023-01-05
accounts-with-accounts-type-full
accounts · AA
2022-03-28
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-07
termination-secretary-company-with-name-termination-date
officers · TM02
2021-12-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-06-09