ALTO INSURANCE GROUP LTD
Opportunity 67/100 (strong), bankability 77/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (65/100).
Refinance opportunity
4 live charges · 4 lenders · oldest 13.9y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 13.9 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (60/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 2 capital
- • 1 insolvency
- • 1 resolution
- • 2 capital
- • 1 insolvency
- • 1 resolution
- • 2 capital
- • 2 confirmation-statement
- • 1 insolvency
Corporate timeline (41 events)Click to expand
- 2026-06-01📄legacycapital · SH20
- 2026-05-29📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2026-05-29⚠️legacyinsolvency · CAP-SS
- 2026-05-29📄resolutionresolution · RESOLUTIONS
- 2025-09-30📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-08-14📄legacyaccounts · PARENT_ACC
- 2025-08-14📄legacyother · GUARANTEE2
- 2025-08-14📄legacyother · AGREEMENT2
- 2025-07-03📄capital-allotment-sharescapital · SH01
- 2024-11-20📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-16📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-08-09📄legacyaccounts · PARENT_ACC
- 2024-08-09📄legacyother · GUARANTEE2
- 2024-08-09📄legacyother · AGREEMENT2
- 2024-07-26📄capital-name-of-class-of-sharescapital · SH08
- 2024-07-26📄resolutionresolution · RESOLUTIONS
- 2024-07-26📄capital-alter-shares-subdivisioncapital · SH02
- 2024-07-26📄resolutionresolution · RESOLUTIONS
- 2024-07-26📄capital-alter-shares-subdivisioncapital · SH02
- 2024-07-26📄memorandum-articlesincorporation · MA
- 2024-06-21➖MCMANUS, Brendan James resigneddirector
- 2024-06-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-03-16🔓Charge satisfied #4
- 2022-03-16🔓Charge satisfied #3
- 2020-12-17🔒Charge registered #4Lender: Midcap Financial (Ireland) Limited
- 2020-12-09➖BOWLER, Michael resigneddirector
- 2020-03-23🔒Charge registered #3Lender: Midcap Financial (Ireland) Limited as Security Agent
- 2019-12-01➖STANLEY, David George Edward resigneddirector
- 2019-08-06🔓Charge satisfied #2
- 2019-07-19➕BROWN, Ryan Christopher appointeddirector
- 2019-07-19➖BURROWS, Stephen Mark resigneddirector
- 2019-07-19➕MCMANUS, Brendan James appointeddirector
- 2019-07-19➖WAINFORD, Dominic Mark Joseph resigneddirector
- 2015-04-13🔓Charge satisfied #1
- 2015-03-20🔒Charge registered #2Lender: Clydesdale Bank PLC
- 2012-09-13➕BOWLER, Michael appointeddirector
- 2012-06-29➕STANLEY, David George Edward appointeddirector
- 2012-06-29➕WAINFORD, Dominic Mark Joseph appointeddirector
- 2012-06-29🔒Charge registered #1Lender: Macquarie Bank Limited
- 2012-01-10🏢Company incorporatedAs ALTO INSURANCE GROUP LTD
- 2012-01-10➕BURROWS, Stephen Mark appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 high · 1 med ·Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-05-29: legacy
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Pib Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Pib Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 19/07/2019 |
2 historic (ceased) PSCs
- Mr Stephen Mark Burrowsceased 19/07/2019· 25-50% voting
- Mr Dominic Mark Joseph Wainfordceased 19/07/2019· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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8 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 · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Midcap Financial (Ireland) Midcap Financial (Ireland) Limited | A registered charge | 1 property | 17/12/2020 | 16/03/2022 | |
| satisfied | Midcap Financial (Ireland) as Security Agent Midcap Financial (Ireland) Limited as Security Agent | A registered charge | — | 23/03/2020 | 16/03/2022 | |
| satisfied | Virgin Money Clydesdale Bank PLC | A registered charge | — | 20/03/2015 | 06/08/2019 | |
| satisfied | Macquarie Bank Macquarie Bank Limited | Debenture | 1 property | 29/06/2012 | 13/04/2015 |