APEX INSURANCE BROKERS LIMITED

🌳Matureactive
07014570 · ltd · incorporated 2009-09-10
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£48.9k
book net assets
Opportunity
76/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 76/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

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, 1 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
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
1 connected companies via shared directors
48
Filing history
47 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £48,897

Key financials

1 year extracted from filed iXBRL accounts
Cash
£39k
Net Worth
£49k
Current Assets
£180k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-30
Total assets£220.4k
Current assets£180.4k
Cash£38.8k
Debtors£141.5k
Net assets£48.9k

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2026-04-29
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  2. 2025-06-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2025-05-27
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  4. 2024-06-28
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2024-01-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2024-01-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2024-01-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2023-04-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2022-06-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2022-03-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2022-03-03
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2021-06-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2020-06-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2020-01-28
    📄
    accounts-amended-with-made-up-date
    accounts · AAMD
  15. 2019-08-07
    📄
    accounts-amended-with-made-up-date
    accounts · AAMD
  16. 2019-06-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  17. 2018-06-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  18. 2009-09-10
    🏢
    Company incorporated
    As APEX INSURANCE BROKERS LIMITED
  19. 2009-09-10
    ➕
    BARTLETT, Matthew Neil appointed
    director
  20. 2009-09-10
    ➕
    ROCHE, Timothy Geoffrey appointed
    director

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

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.
  • +No director turnover: Company is 17 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

59/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Matthew Neil Bartlett
Individual · British · DOB 12/1980 · age 46
25–50%
—25-50% shares06/04/2016
Mr Timothy Geoffrey Roche
Individual · British · DOB 11/1988 · age 38
25–50%
—25-50% shares06/04/2016

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 →

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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
Incorporated2009-09-10
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

5 Anglo Office Park
Bristol
BS15 1NT
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-09-24
Last: 2025-09-10

Officers (2 active · 0 resigned)

BARTLETT, Matthew Neil→
director · ~46y · appointed 2009-09-10
View their other companies + combined net worth →
Active
ROCHE, Timothy Geoffrey→
director · ~38y · appointed 2009-09-10
View their other companies + combined net worth →
Active

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

Recent filings (47 total)

change-account-reference-date-company-previous-extended
accounts · AA01
2026-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-06-30
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2025-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-06-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-01-23
change-person-director-company-with-change-date
officers · CH01
2024-01-23
change-person-director-company-with-change-date
officers · CH01
2024-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-04-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-06-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-03-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-03-03