A S INSURANCE SERVICES LIMITED
💤Zombieactive
07345487 · ltd · incorporated 2010-08-13
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 May 2025
Net worth
£1.43M
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 62-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (80/100, director aged 62). 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: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
4 live charges · oldest 8.2y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 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
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
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 · accounting standard not declaredPositive net assets
Net assets £1,432,021
Net assets shrinking
Down £52,014 YoY
Cash YoY
+35%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£436k
↑ 35% YoY
Net Worth
£1.4m
↓ 3.5% YoY
Current Assets
£1.2m
↑ 12% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £1.44M | £1.52M |
| Current assets | £1.24M | £1.11M |
| Cash | £435.6k | £322.8k |
| Debtors | £807.3k | £790.9k |
| Net assets | £1.43M | £1.48M |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2025-07-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-02-28📄resolutionresolution · RESOLUTIONS
- 2025-02-27📄capital-name-of-class-of-sharescapital · SH08
- 2025-02-04📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-11-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-11-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-07-20📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-03-06📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-03-03📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2023-02-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-06-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-06-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-06-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-06-21🔓Charge satisfied #4
- 2022-06-21🔓Charge satisfied #3
- 2022-06-21🔓Charge satisfied #2
- 2022-06-21🔓Charge satisfied #1
- 2022-02-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-22🔒Charge registered #4Lender: Santander UK PLC
- 2018-03-22🔒Charge registered #3Lender: Santander UK PLC
- 2018-03-22🔒Charge registered #2Lender: Santander UK PLC
- 2018-03-22🔒Charge registered #1Lender: Santander UK PLC
- 2010-08-13🏢Company incorporatedAs A S INSURANCE SERVICES LIMITED
- 2010-08-13➕STOREY, Avril Ann appointeddirector
Owner dependency
98/100
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 16 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +No director turnover: Company is 16 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
78/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Avril Ann Storey Individual · British · DOB 10/1964 · age 62 | 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.
Similar companies
Active · Financial services · S postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A SHADE GREENER FINANCE F3 LIMITED→ 15678758 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A SHADE GREENER FINANCE LIMITED→ 10668465 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| A T COMMERCIAL FINANCE 2 LIMITED→ 14921017 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ACORN RESERVE LTD→ 13242218 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ANDREW STUART & COMPANY LIMITED→ 04557297 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ANDY HALL MORTGAGES LTD→ 09479295 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ANLD CRYPTO HOLDINGS LTD→ 16592442 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ANT PROTECT LIMITED→ 07237006 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| AP MORTGAGE SOLUTIONS LTD→ 12218676 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ARC CAPITAL MARKETS (UK) LIMITED→ 13666413 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ARGENTUM FINANCE LTD→ 08068054 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| ARJ FINANCIAL SERVICES LTD→ 09508119 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2010-08-13
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
4 Doncaster Road
Wath Upon Dearne
Rotherham
South Yorkshire
S63 7AL
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-08-07
Last: 2025-07-24
Officers (1 active · 0 resigned)
STOREY, Avril Ann→
Activedirector · ~62y · appointed 2010-08-13
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
0
Outstanding
0
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Santander Santander UK PLC | A registered charge | 2 properties | 22/03/2018 | 21/06/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 22/03/2018 | 21/06/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 22/03/2018 | 21/06/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 22/03/2018 | 21/06/2022 |
Recent filings (59 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-24
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-07-18
resolution
resolution · RESOLUTIONS
2025-02-28
capital-name-of-class-of-shares
capital · SH08
2025-02-27
change-person-director-company-with-change-date
officers · CH01
2025-02-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-07-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-11-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-11-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-30
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-07-20
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-03-06
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2023-03-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-10