BISS UNDERWRITING LIMITED

🌳Matureactive
07335815 · ltd · incorporated 2010-08-04
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
—
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Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (60/100)

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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
38 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
90
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
  1. 2025-12-22
    📄
    accounts-with-accounts-type-group
    accounts · AA
  2. 2025-05-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2024-11-22
    📄
    accounts-with-accounts-type-group
    accounts · AA
  4. 2023-12-16
    📄
    accounts-with-accounts-type-group
    accounts · AA
  5. 2023-01-05
    📄
    accounts-with-accounts-type-group
    accounts · AA
  6. 2021-10-08
    📄
    accounts-with-accounts-type-group
    accounts · AA
  7. 2021-01-08
    📄
    accounts-with-accounts-type-group
    accounts · AA
  8. 2019-10-09
    📄
    accounts-with-accounts-type-group
    accounts · AA
  9. 2018-10-04
    📄
    accounts-with-accounts-type-group
    accounts · AA
  10. 2017-10-02
    📄
    accounts-with-accounts-type-group
    accounts · AA
  11. 2017-09-07
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2017-09-01
    ➕
    MORRIS, Jordan Lee appointed
    director
  13. 2016-10-08
    📄
    accounts-with-accounts-type-group
    accounts · AA
  14. 2015-10-20
    📄
    accounts-with-accounts-type-group
    accounts · AA
  15. 2015-10-05
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2014-10-01
    📄
    accounts-with-accounts-type-group
    accounts · AA
  17. 2010-08-04
    🏢
    Company incorporated
    As BISS UNDERWRITING LIMITED
  18. 2010-08-04
    ➕
    MORRIS, Philip appointed
    director

Owner dependency

96/100
Critical — business is the founder

The 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 16 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 16 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

79/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. 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 16 years.
  • secondaryStable-but-static management: Company is 16 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Philip Morris
Individual · British · DOB 05/1961 · age 65
75–100%
—75-100% 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

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.

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Company details

Statusactive
Typeltd
Incorporated2010-08-04
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance

Registered office

Suite 16, Unit 1 Meadowfield Court
Ponteland
Newcastle Upon Tyne
NE20 9SD
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-08-18
Last: 2025-08-04

Officers (2 active · 0 resigned)

MORRIS, Jordan Lee→
director · ~38y · appointed 2017-09-01
View their other companies + combined net worth →
Active
MORRIS, Philip→
director · ~65y · appointed 2010-08-04
View their other companies + combined net worth →
Active

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

Recent filings (38 total)

accounts-with-accounts-type-group
accounts · AA
2025-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-04
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-05-12
accounts-with-accounts-type-group
accounts · AA
2024-11-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-15
accounts-with-accounts-type-group
accounts · AA
2023-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-29
accounts-with-accounts-type-group
accounts · AA
2023-01-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-28
accounts-with-accounts-type-group
accounts · AA
2021-10-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-07
accounts-with-accounts-type-group
accounts · AA
2021-01-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-05
accounts-with-accounts-type-group
accounts · AA
2019-10-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-06