A.R.OWEN INSURANCE SERVICES LIMITED
🌳Matureactive
06944776 · ltd · incorporated 2009-06-25
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.
Why now
Window closing · high confidence
Getting harder to buy — profile has hardened into "well run hard buy" recently.
- · Investment thesis: unclassified → well_run_hard_buy
- · Hygiene score: 70 → 90
- · Opportunity score: 74 → 83
- · Bankability: 70 → 80
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
What changed my view
Last 30 days
Picture improved over the last 30 days — 3 positive signals vs 0 negative.
- ·Investment thesis: unclassified → well_run_hard_buy
- ↑Opportunity score: 74 → 83
- ↑Hygiene score: 70 → 90
- ↑Bankability: 70 → 80
- ·Distress / opportunity: exceptional → avoid
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£293.4k
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with exceptional profile and bankable structure.
Opportunity 83/100 (exceptional), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · oldest 12.0y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 12.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · 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
4 officers (3 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
59 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £293,429
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£293k
↑ 16% YoY
Current Assets
£146k
↑ 21% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £312.4k | £299.6k |
| Current assets | £145.9k | £120.6k |
| Net assets | £293.4k | £253.7k |
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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2025-11-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-10-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-10-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-10-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-01➕SCARTH, Robert Mark appointeddirector
- 2022-10-01➕WEST, Gary Robert appointeddirector
- 2022-01-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-08📄resolutionresolution · RESOLUTIONS
- 2021-12-07📄memorandum-articlesincorporation · MA
- 2021-12-07📄statement-of-companys-objectschange-of-constitution · CC04
- 2021-12-03📄capital-name-of-class-of-sharescapital · SH08
- 2021-12-02📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2021-06-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-11-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2014-08-28🔒Charge registered #2Lender: Barclays Bank PLC
- 2014-07-09🔒Charge registered #1Lender: Barclays Bank PLC
- 2009-06-25🏢Company incorporatedAs A.R.OWEN INSURANCE SERVICES LIMITED
- 2009-06-25➕ROBINSON, Neil Brett appointeddirector
- 2009-06-25➕ROUND, Jonathon Charles appointeddirector
- 2009-06-25➖ROUND, Jonathon Charles resigneddirector
Owner dependency
68/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
63/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Neil Brett Robinson Individual · British · DOB 06/1972 · age 54 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| BRIDGE THE GAP FINANCE LTD→ 15931799 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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| CHARLES & CO. (CONSULTANTS) LIMITED→ 10334090 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CLAIRE ERRINGTON LIMITED→ 00607864 · est 1958 · no financials extracted | — | — | — | — | 67y | — | — |
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| COMMERCIAL PROPERTY FINANCE CONSULTANCY LIMITED→ 03772879 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| COVERDEAL LIMITED→ 06996326 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CRAIG GILES WEALTH MANAGEMENT LTD→ 12594999 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CRICHTON WILLS TRUSTS & PROBATE LIMITED→ 07496602 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| CRUSADER CAPITAL LTD→ 16819298 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CRUSADER GROUP LEASING LTD→ 14568040 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CULLINGFORD HENRY LIMITED→ 16608675 · 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
Incorporated2009-06-25
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
The Old Bank
Market Square
Haltwhistle
Northumberland
NE49 9AA
England
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-06-15
Last: 2026-06-01
Officers (3 active · 1 resigned)
ROBINSON, Neil Brett→
Activedirector · ~54y · appointed 2009-06-25
View their other companies + combined net worth →
SCARTH, Robert Mark→
Activedirector · ~45y · appointed 2022-10-01
View their other companies + combined net worth →
WEST, Gary Robert→
Activedirector · ~59y · appointed 2022-10-01
View their other companies + combined net worth →
ROUND, Jonathon Charles→
Resigneddirector · ~67y · appointed 2009-06-25 · resigned 2009-06-25
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 28/08/2014 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 09/07/2014 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (59 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-06-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-26
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-09
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-07-10
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-20
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-06
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-14
appoint-person-director-company-with-name-date
officers · AP01
2022-10-26
appoint-person-director-company-with-name-date
officers · AP01
2022-10-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-10-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-04
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-10
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-28