BUSINESS INSURANCE SOLUTIONS LIMITED
🌳Matureactive
06837377 · ltd · incorporated 2009-03-05
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 4.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£11.95M
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 61-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (60/100, director aged 61). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 4.3y
60/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Charge age ~4.3 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
11 officers (3 active, 11 linked, 9 with DOB)
86
Ownership & PSC
1 active PSC(s) of 11 total, 11 with control declared
90
Director network
Network not yet resolved
30
Filing history
84 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £11,951,213
Cash YoY
+806%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£1.9m
↑ 806% YoY
Net Worth
£12m
↑ 26% YoY
Current Assets
£18m
↑ 20% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £11.95M | £9.49M |
| Current assets | £17.58M | £14.60M |
| Cash | £1.94M | £214.0k |
| Debtors | £15.62M | £14.38M |
| Net assets | £11.95M | £9.49M |
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
3
filings
- • 2 mortgage
- • 1 persons-with-significant-control
Last 90 days
6
filings
- • 2 mortgage
- • 2 officers
- • 1 persons-with-significant-control
Last 180 days
6
filings
- • 2 mortgage
- • 2 officers
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
- 2026-06-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-06-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-06-22🔓Charge satisfied #2
- 2026-06-22🔓Charge satisfied #1
- 2026-06-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-05-21📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-05-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-04-30➖BARRETT, David resignedsecretary
- 2026-04-30➖BARRETT, David Charles Anthony resigneddirector
- 2025-09-22📄accounts-with-accounts-type-mediumaccounts · AA
- 2025-02-21📄accounts-with-accounts-type-fullaccounts · AA
- 2024-03-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-18🔒Charge registered #2Lender: Barclays Bank PLC
- 2024-03-06➕CONNELLY, Joel William appointeddirector
- 2024-03-06📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-03-06📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-03-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-15📄accounts-with-accounts-type-fullaccounts · AA
- 2023-04-21📄change-person-director-company-with-change-dateofficers · CH01
- 2023-02-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-02-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-02-13➕HAMMON, Philip appointeddirector
- 2023-02-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-02-08➖MCDONALD, Euan Marlow resigneddirector
- 2023-02-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-09-05📄accounts-with-accounts-type-fullaccounts · AA
- 2022-07-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-06-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-06-06📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-03-29🔒Charge registered #1Lender: Barclays Security Trustee Limited
- 2018-09-17➕TESTA, Lance appointeddirector
- 2018-01-01➕BARRETT, David Charles Anthony appointeddirector
- 2017-10-16➕BARRETT, David appointedsecretary
- 2017-09-30➖BLAKE, James Richard resigneddirector
- 2013-09-11➖MARTIN, Kim Ian resigneddirector
- 2013-01-02➕MARTIN, Kim Ian appointeddirector
- 2012-07-01➕BLAKE, James Richard appointeddirector
- 2012-07-01➖HAMMON, Philip John resigneddirector
- 2012-07-01➕MCDONALD, Euan Marlow appointeddirector
- 2012-07-01➖STEFFENS, Paul John Robert resigneddirector
- 2012-06-30➖STEFFENS, Paul John Robert resignedsecretary
- 2009-03-05🏢Company incorporatedAs BUSINESS INSURANCE SOLUTIONS LIMITED
- 2009-03-05➕STEFFENS, Paul John Robert appointedsecretary
- 2009-03-05➕HAMMON, Philip John appointeddirector
- 2009-03-05➕STEFFENS, Paul John Robert appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
40/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
Red flags
1 med ·2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: BARRETT, David resigned 2026-04-30; BARRETT, David Charles Anthony resigned 2026-04-30
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Joel William Connelly Individual · British · DOB 09/1991 · age 35 | — | — | sig. influencesignificant influence | 06/03/2024 |
10 historic (ceased) PSCs
- Mr David Barrettceased 06/03/2024· significant influence
- Mr Paul Steffensceased 24/06/2022· significant influence · trust interest
- Quadrangle Trustee Services Ltdceased 01/07/2018· significant influence · trust interest
- Lj Capital Limitedceased 01/07/2018· significant influence · trust interest
- Mr Euan Marlow Mcdonaldceased 08/02/2023· significant influence
- Centurian Enterprise Trustceased 06/06/2022· 75-100% shares · trust interest
- Centurian 888 Global Ltdceased 06/06/2022· 75-100% shares
- Lj Capital Limitedceased 21/11/2017· 25-50% shares · trust interest
- Quadrangle Trustee Services Ltdceased 21/11/2017· 25-50% shares · trust interest
- Mr James Richard Blakeceased 30/09/2017· significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · GU postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BORGONON & CO LTD→ 05998255 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
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| BROYD INVESTMENTS LTD→ 12418220 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| CAPITAL ADVISORY PARTNERS LIMITED→ 05694364 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| CARDAENEA LIMITED→ 11053777 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CASTLE GREEN ASSOCIATES LIMITED→ 05058568 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| CASTLE PHILLIPS FINANCE COMPANY LIMITED→ 01011009 · est 1971 · no financials extracted | — | — | — | — | 54y | — | — |
| CATHCART FINANCIAL PLANNING LIMITED→ 10601573 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| CBN LONDON LTD→ 12402904 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| CDL MORTGAGES LIMITED→ 16275266 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CFH CAPITAL (UK) LIMITED→ 13185795 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CFP EOT LIMITED→ 15526128 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2009-03-05
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
1st Floor, 2 Bishops Wharf
Walnut Tree Close
Guildford
GU1 4UP
England
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-03-19
Last: 2026-03-05
Officers (3 active · 8 resigned)
CONNELLY, Joel William→
Activedirector · ~35y · appointed 2024-03-06
View their other companies + combined net worth →
HAMMON, Philip→
Activedirector · ~61y · appointed 2023-02-13
View their other companies + combined net worth →
TESTA, Lance→
Activedirector · ~56y · appointed 2018-09-17
View their other companies + combined net worth →
BARRETT, David→
Resignedsecretary · appointed 2017-10-16 · resigned 2026-04-30
STEFFENS, Paul John Robert→
Resignedsecretary · appointed 2009-03-05 · resigned 2012-06-30
BARRETT, David Charles Anthony→
Resigneddirector · ~66y · appointed 2018-01-01 · resigned 2026-04-30
BLAKE, James Richard→
Resigneddirector · ~46y · appointed 2012-07-01 · resigned 2017-09-30
HAMMON, Philip John→
Resigneddirector · ~61y · appointed 2009-03-05 · resigned 2012-07-01
MARTIN, Kim Ian→
Resigneddirector · ~70y · appointed 2013-01-02 · resigned 2013-09-11
MCDONALD, Euan Marlow→
Resigneddirector · ~48y · appointed 2012-07-01 · resigned 2023-02-08
STEFFENS, Paul John Robert→
Resigneddirector · ~63y · appointed 2009-03-05 · resigned 2012-07-01
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 | Barclays Barclays Bank PLC | A registered charge | — | 18/03/2024 | 22/06/2026 | |
| satisfied | Barclays Barclays Security Trustee Limited | A registered charge | — | 29/03/2022 | 22/06/2026 |
Recent filings (84 total)
mortgage-satisfy-charge-full
mortgage · MR04
2026-06-22
mortgage-satisfy-charge-full
mortgage · MR04
2026-06-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-06-17
confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-22
termination-secretary-company-with-name-termination-date
officers · TM02
2026-05-21
termination-director-company-with-name-termination-date
officers · TM01
2026-05-21
accounts-with-accounts-type-medium
accounts · AA
2025-09-22
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-05
accounts-with-accounts-type-full
accounts · AA
2025-02-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-07
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-03-06
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-06
appoint-person-director-company-with-name-date
officers · AP01
2024-03-06
accounts-with-accounts-type-full
accounts · AA
2023-12-15