BREATHE INSURANCE BROKERS LTD
Opportunity 49/100 (watch), bankability 50/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Resolve: Company in liquidation. Company is actively being wound up. Not a going concern. Most likely exit: distressed disposal / insolvency (65/100). Current lenders should be on monthly review.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £10.0k | £15.7k |
| Current assets | £24.2k | £18.3k |
| Net assets | £10.0k | £15.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 2 insolvency
- • 1 address
- • 1 resolution
Corporate timeline (17 events)Click to expand
- 2026-04-27⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2026-04-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-04-14⚠️liquidation-voluntary-declaration-of-solvencyinsolvency · LIQ01
- 2026-04-14📄resolutionresolution · RESOLUTIONS
- 2025-10-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-12-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-08📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2011-10-20🏢Company incorporatedAs BREATHE INSURANCE BROKERS LTD
- 2011-10-20➕THOMAS, Karen Frances appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder age: Director aged approximately 65 — succession pressure is live.
- +No director turnover: Company is 15 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 high ·Company is actively being wound up. Not a going concern.
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-04-27: liquidation-voluntary-appointment-of-liquidator; 2026-04-14: liquidation-voluntary-declaration-of-solvency
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Karen Frances Thomas Individual · British · DOB 04/1961 · age 65 | 75–100% | — | 75-100% shares | 07/12/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · LN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALTERNATIVE COMMERCIAL FINANCE LIMITED→ 08547499 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AMELIO INVESTMENTS LIMITED→ 15980117 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| GRATITOOD LTD→ 16301214 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| GREAT CENTRAL LAND LIMITED→ 03298078 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| GRUNDYS PROPERTY LTD→ 16394991 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| JCH WEALTH MANAGEMENT LIMITED→ 17085041 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| KINGSWOOD MORTGAGES LTD→ 12243487 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| LEFFLER VENTURES LIMITED→ 13891021 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| LEGACY SECURITIES LTD→ 16863906 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| LETS MAKE A PLAN LTD→ 16978176 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| LINCOLN MORTGAGE CENTRE LTD→ 11621883 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| LINCOLNSHIRE PROPERTY CLAIMS HANDLERS LTD→ 07997377 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
11 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 →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
Registered office
Filing status
Officers (1 active · 0 resigned)
Click a director name to see their full track record across all companies.