IFAPROSURE LIMITED
💤Zombieactive
06969672 · ltd · incorporated 2009-07-22
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
- 65202Non-life reinsurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 3.2y
35/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.2 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (1 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
53 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
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-07-31 |
|---|---|
| Average employees | 300 |
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
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 2 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-03-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-03-05📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2025-04-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-02-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-29🔒Charge registered #1Lender: National Westminster Bank PLC
- 2023-01-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-07➖NETTING, John resigneddirector
- 2022-12-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-04-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-04-11📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-04-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-04-11📄change-person-director-company-with-change-dateofficers · CH01
- 2022-04-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-05-13📄change-person-director-company-with-change-dateofficers · CH01
- 2021-05-13📄change-person-director-company-with-change-dateofficers · CH01
- 2021-03-05📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-01-06📄change-person-director-company-with-change-dateofficers · CH01
- 2019-11-14➕NETTING, John appointeddirector
- 2010-07-22➖R.B.S. NOMINEES LIMITED resignedcorporate-secretary
- 2009-07-22🏢Company incorporatedAs IFAPROSURE LIMITED
- 2009-07-22➕NEWELL, Jonathan Joseph appointeddirector
- 2009-07-22➕R.B.S. NOMINEES LIMITED appointedcorporate-secretary
Owner dependency
85/100
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
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
68/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Jonathan Joseph Newell Individual · British · DOB 07/1978 · age 48 | — | — | sig. influencesignificant influence | 22/07/2016 |
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 · HX postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| DNA FINANCIAL SOLUTIONS LIMITED→ 10619493 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| FIGTREE FINANCIAL LIMITED→ 12612148 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FIRST RETAIL FINANCE (CHESTER) LTD→ 02964970 · est 1994 · no financials extracted | — | — | — | — | 31y | — | — |
| FORTRESS TRUSTEE SERVICES LIMITED→ 06882625 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| FULL CIRCLE ASSET FINANCE LIMITED→ 09931618 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| HALIFAX FINANCIAL BROKERS LIMITED→ 02367078 · est 1989 · no financials extracted | — | — | — | — | 37y | — | — |
| HALIFAX GENERAL INSURANCE SERVICES LIMITED→ 02791889 · est 1993 · no financials extracted | — | — | — | — | 33y | — | — |
| HANDS ON CJLH LTD→ 15895351 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| HBOS INVESTMENT FUND MANAGERS LIMITED→ 00941082 · est 1968 · no financials extracted | — | — | — | — | 57y | — | — |
| HOMES TO OWN MORTGAGES LTD→ 10807525 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| HW MORTGAGE SOLUTIONS LTD→ 15320868 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| IFT WEALTH MANAGEMENT LTD→ 07325816 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
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
Incorporated2009-07-22
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
2nd Floor, 4c Albion Street
Halifax
HX1 1DU
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-12-15
Last: 2025-12-01
Officers (1 active · 2 resigned)
NEWELL, Jonathan Joseph→
Activedirector · ~48y · appointed 2009-07-22
View their other companies + combined net worth →
R.B.S. NOMINEES LIMITED→
Resignedcorporate-secretary · appointed 2009-07-22 · resigned 2010-07-22
NETTING, John→
Resigneddirector · ~55y · appointed 2019-11-14 · resigned 2022-12-07
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 29/03/2023 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (53 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-26
change-account-reference-date-company-current-shortened
accounts · AA01
2026-03-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-03
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-02
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-04-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-09
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-07
termination-director-company-with-name-termination-date
officers · TM01
2022-12-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-04-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-04-11