GLOBAL HOME WARRANTIES LTD
💤Zombieactive
07566996 · ltd · incorporated 2011-03-16
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 Mar 2025
Net worth
£-2.22M
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 77/100 (strong), bankability 85/100. 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: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 2.6y
10/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 2.6 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (75/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (1 active, 6 linked, 5 with DOB)
87
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
68 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
70
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 · FRS 102Negative net assets
Liabilities exceed assets by £2,222,714
Key financials
1 year extracted from filed iXBRL accountsCash
£15k
Net Worth
-£2.2m
Current Assets
£259k
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 |
|---|---|
| Total assets | £-1.17M |
| Current assets | £259.2k |
| Cash | £14.8k |
| Debtors | £244.5k |
| Net assets | £-2.22M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (35 events)Click to expand
- 2026-01-06📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-01-01➖GOODWILLE LIMITED resignedcorporate-secretary
- 2025-12-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-10-29📄notification-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC08
- 2025-10-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-28🔓Charge satisfied #1
- 2025-10-06📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-09-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-09-01📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-09-01📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-09-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-31➕WILLOUGHBY, Andrew James appointeddirector
- 2025-08-31➖ALLEN, Margaret Sinclair resigneddirector
- 2025-08-31➖EDWARDS, James Gerard resigneddirector
- 2025-08-31➖MCKENNA, Kathy Helen resigneddirector
- 2025-08-26📄resolutionresolution · RESOLUTIONS
- 2025-08-26📄memorandum-articlesincorporation · MA
- 2025-08-21📄capital-allotment-sharescapital · SH01
- 2025-06-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-21🔒Charge registered #1Lender: Murdock Hardwood Industries Limited
- 2023-02-21📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2023-01-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-17📄change-person-director-company-with-change-dateofficers · CH01
- 2019-07-10➕ALLEN, Margaret Sinclair appointeddirector
- 2016-09-29➕GOODWILLE LIMITED appointedcorporate-secretary
- 2012-08-09➖ALLEN, Margaret Sinclair resigneddirector
- 2011-03-16🏢Company incorporatedAs GLOBAL HOME WARRANTIES LTD
- 2011-03-16➕ALLEN, Margaret Sinclair appointeddirector
- 2011-03-16➕EDWARDS, James Gerard appointeddirector
- 2011-03-16➕MCKENNA, Kathy Helen appointeddirector
Owner dependency
83/100
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.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·4 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: GOODWILLE LIMITED resigned 2026-01-01; ALLEN, Margaret Sinclair resigned 2025-08-31; EDWARDS, James Gerard resigned 2025-08-31
Group structure
International Financial Security Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
International Financial Security Limited
Corporate parent · holds 75-100% shares
⬇
GLOBAL HOME WARRANTIES LTD
This company · 07566996
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
International Financial Security Limited Corporate entity | 75–100% | — | 75-100% shares | 01/09/2025 |
2 historic (ceased) PSCs
- Ms Margaret Sinclair Allenceased 02/07/2025· 25-50% shares · 25-50% voting
- Ms Kathy Helen Mckennaceased 02/07/2025· 25-50% shares · 25-50% voting
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 · PL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CHRIS NEWTON MORTGAGE SERVICES LIMITED→ 08891809 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| DARREN ROWE FINANCIAL PLANNING LIMITED→ 07108874 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| FIRE PREVENTION GROUP LTD→ 11070120 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| FIREBIRD HEATING LIMITED→ 07443722 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| FOLK NOMINEE LIMITED→ 09939972 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| FRONTIER FUTURES LTD→ 15280637 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| FUTURE FIRST FINANCIAL SOLUTIONS LIMITED→ 04643847 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| FUTURE STRATEGY LIMITED→ 07768919 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| GHL SUBCO LIMITED→ 10265084 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| GIST (INSURANCE BROKERS) LIMITED→ 00508993 · est 1952 · no financials extracted | — | — | — | — | 73y | — | — |
| GLC FINANCIAL SOLUTIONS LTD→ 16329872 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| GMP INVESTMENTS WELLS LIMITED→ 16906631 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2011-03-16
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
Trot House
11, Fore Street
Torpoint
Cornwall
PL11 2AB
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-15
Last: 2025-09-01
Officers (1 active · 5 resigned)
WILLOUGHBY, Andrew James→
Activedirector · ~61y · appointed 2025-08-31
View their other companies + combined net worth →
GOODWILLE LIMITED→
Resignedcorporate-secretary · appointed 2016-09-29 · resigned 2026-01-01
ALLEN, Margaret Sinclair→
Resigneddirector · ~75y · appointed 2019-07-10 · resigned 2025-08-31
ALLEN, Margaret Sinclair→
Resigneddirector · ~75y · appointed 2011-03-16 · resigned 2012-08-09
EDWARDS, James Gerard→
Resigneddirector · ~65y · appointed 2011-03-16 · resigned 2025-08-31
MCKENNA, Kathy Helen→
Resigneddirector · ~54y · appointed 2011-03-16 · resigned 2025-08-31
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Murdock Hardwood Industries Murdock Hardwood Industries Limited | A registered charge | 1 property | 21/12/2023 | 28/10/2025 |
Recent filings (68 total)
termination-secretary-company-with-name-termination-date
officers · TM02
2026-01-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-19
notification-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC08
2025-10-29
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-28
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-10-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-01
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-09-01
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-09-01
termination-director-company-with-name-termination-date
officers · TM01
2025-09-01
termination-director-company-with-name-termination-date
officers · TM01
2025-09-01
termination-director-company-with-name-termination-date
officers · TM01
2025-09-01
appoint-person-director-company-with-name-date
officers · AP01
2025-09-01
resolution
resolution · RESOLUTIONS
2025-08-26
memorandum-articles
incorporation · MA
2025-08-26