ALAIB LIMITED
🌳Matureactive
06833207 · ltd · incorporated 2009-03-02
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 12.0y 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
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueActive trading company with a 66-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (93/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 12.0y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 12.0 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
50 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
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 11 | 1200 |
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
5
filings
- • 2 officers
- • 1 confirmation-statement
- • 1 accounts
Last 180 days
5
filings
- • 2 officers
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2026-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-02-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-13📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-13📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-27🔓Charge satisfied #2
- 2024-05-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-09-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-09-01🔒Charge registered #2Lender: Hsbc UK Bank PLC
- 2019-09-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-08-23🔓Charge satisfied #1
- 2014-05-12🔒Charge registered #1Lender: Hsbc Bank PLC
- 2009-03-02🏢Company incorporatedAs ALAIB LIMITED
- 2009-03-02➕ENGLAND, Debra Marie appointeddirector
- 2009-03-02➕ENGLAND, Simon John appointeddirector
Owner dependency
96/100
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 17 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
79/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 17 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Simon John England Individual · British · DOB 01/1961 · age 65 | 25–50% | 25–50% | board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence · firm interest | 06/04/2016 |
Mrs Debra Marie England Individual · British · DOB 09/1960 · age 66 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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 · YO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A1 INSURANCE SERVICES LIMITED→ 02299204 · est 1988 · no financials extracted | — | — | — | — | 37y | — | — |
| ABERDEEN ENTERPRISE FINANCE LIMITED→ 06662401 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ACORN ASSESSORS LIMITED→ 03552937 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| ADNFC FINANCIAL CONSULTANTS LTD→ 11968206 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ADVANCED INHERITANCE LIMITED→ 14906733 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AEF (MALTON) LIMITED→ 07637323 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| AGE UK YORK ENTERPRISES LTD→ 04684417 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| ALEGRA STRATEGIC LIMITED→ 12386188 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ALL FINANCIAL ADVICE LTD→ 08002906 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| ALTIUS IFA LIMITED→ 16310462 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AMDINE LTD→ 08820148 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ANDERSON BROWN (WHITBY) LTD→ 04302436 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
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
Incorporated2009-03-02
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
Unit 3 Park Farm Courtyard
Eastthorpe
Malton
North Yorkshire
YO17 6QX
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-03-16
Last: 2026-03-02
Officers (2 active · 0 resigned)
ENGLAND, Debra Marie→
Activedirector · ~66y · appointed 2009-03-02
View their other companies + combined net worth →
ENGLAND, Simon John→
Activedirector · ~65y · appointed 2009-03-02
View their other companies + combined net worth →
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 01/09/2020 | 27/05/2025 | |
| satisfied | HSBC Hsbc Bank PLC | A registered charge | — | 12/05/2014 | 23/08/2016 |
Recent filings (50 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-13
change-person-director-company-with-change-date
officers · CH01
2026-02-13
change-person-director-company-with-change-date
officers · CH01
2026-02-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-29
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-04
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-09-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-29