BREEZE UNDERWRITING LIMITED
🌳Matureactive
08738757 · ltd · incorporated 2013-10-18
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueActive trading company with a 68-year-old founder — textbook succession opportunity.
Opportunity 75/100 (strong), bankability 77/100. Strong seller-intent signal (78/100, director aged 68). 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: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
4 live charges · 4 lenders · oldest 11.5y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 11.5 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 38/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
17 officers (3 active, 17 linked, 13 with DOB)
85
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
16 connected companies via shared directors
90
Filing history
96 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
69
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
4
filings
- • 4 officers
Last 180 days
6
filings
- • 6 officers
Counts from Companies House filing history.
Corporate timeline (63 events)Click to expand
- 2026-04-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-04-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-31➖CLARKE, Neil resigneddirector
- 2026-03-31➖LEWIS, Jeremy resigneddirector
- 2026-03-30➕MINTERN, Andrew Haydn, Mr appointeddirector
- 2026-03-30➕SWINDLE, Jaime appointeddirector
- 2026-03-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-06➖BREMERMAN, Glenn Charles resigneddirector
- 2026-02-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-13➖LENIHAN, Noel Christopher resigneddirector
- 2025-12-11➖HAMILTON, Ian Kevin resigneddirector
- 2025-12-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-11-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-10-03📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-07-10📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-07-10📄legacyaccounts · PARENT_ACC
- 2025-07-10📄legacyother · GUARANTEE2
- 2025-07-10📄legacyother · AGREEMENT2
- 2025-07-09📄appoint-corporate-secretary-company-with-name-dateofficers · AP04
- 2025-07-09📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-07-07➕ARDONAGH CORPORATE SECRETARY LIMITED appointedcorporate-secretary
- 2025-07-07➖GOLDSTONE, Sindy resignedsecretary
- 2025-01-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-01-31🔓Charge satisfied #4
- 2025-01-30📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2024-11-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-10-25📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-10-25📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-03-01📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-01-22📄legacyother · GUARANTEE2
- 2021-11-12🔓Charge satisfied #3
- 2021-11-11🔒Charge registered #4Lender: Cba Corporate Services (Nsw) Pty LTD as Security Trustee
- 2021-09-24➖CHISNALL, Andrew Joseph Clive resigneddirector
- 2020-10-06➕GOLDSTONE, Sindy appointedsecretary
- 2020-05-29➕LEWIS, Jeremy appointeddirector
- 2020-05-20➕CHISNALL, Andrew Joseph Clive appointeddirector
- 2020-03-23➕CLARKE, Neil appointeddirector
- 2019-12-31➖SULAIMAN, Sami Saad resigneddirector
- 2019-11-18🔓Charge satisfied #2
- 2019-11-06🔒Charge registered #3Lender: Lucid Trustee Services Limited as Security Trustee
- 2019-01-14➖STEWART, Rohan Trevor resigneddirector
- 2018-07-27➕BREMERMAN, Glenn Charles appointeddirector
- 2018-02-07➕STEWART, Rohan Trevor appointeddirector
- 2017-08-09➖DWYER, Paul Robert resigneddirector
- 2015-10-21➕SULAIMAN, Sami Saad appointeddirector
- 2015-06-28🔓Charge satisfied #1
- 2015-05-27🔒Charge registered #2Lender: Clydesdale Bank PLC
Showing most recent 50 of 63 events
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
2 med ·6 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: GOLDSTONE, Sindy resigned 2025-07-07; BREMERMAN, Glenn Charles resigned 2026-03-06; CLARKE, Neil resigned 2026-03-31
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Ardonagh Advisory Mga Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Ardonagh Advisory Mga Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
BREEZE UNDERWRITING LIMITED
This company · 08738757
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 |
|---|---|---|---|---|
Ardonagh Advisory Mga Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 03/11/2025 |
2 historic (ceased) PSCs
- Ardonagh Specialty Mga Holdings Limitedceased 03/11/2025· 75-100% shares · 75-100% voting · board control
- Insurance Holdings Ltdceased 11/10/2024· 75-100% shares · 75-100% 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
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|---|---|---|---|---|---|---|---|
| BENTLEY CONSULTANCY LIMITED→ 13501454 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BIRCH FINANCIAL SOLUTIONS LIMITED→ 07826303 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BLIS INTERNATIONAL LIMITED→ 10292730 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BLUE COAST WEALTH MANAGEMENT LIMITED→ 10491144 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BLUE SQUARE FINANCIAL LIMITED→ 10668961 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| BOSHAM CAPITAL ADVISORS LTD→ 09481331 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| BOYD MORISON RISK MANAGEMENT LTD.→ 03258318 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| BRIDGING VAT LIMITED→ 11374033 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BRIGHT FINANCIAL PLANNING LIMITED→ 05939092 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| BROOM MORTGAGES AND WEALTH LTD→ 13366433 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BRYANT O'NEILL WEALTH MANAGEMENT LIMITED→ 09238013 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| BRYDON FINANCIALS LIMITED→ 09378753 · 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
Incorporated2013-10-18
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
42 - 43 Broomfield House Lanswoodpark Business Centre
Broomfield Road, Elmstead
Colchester
CO7 7FD
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-06-30
Confirmation statement
Next due: 2026-07-12
Last: 2025-06-28
Officers (3 active · 14 resigned)
ARDONAGH CORPORATE SECRETARY LIMITED→
Activecorporate-secretary · appointed 2025-07-07
View their other companies + combined net worth →
MINTERN, Andrew Haydn, Mr →
Activedirector · ~68y · appointed 2026-03-30
View their other companies + combined net worth →
SWINDLE, Jaime→
Activedirector · ~47y · appointed 2026-03-30
View their other companies + combined net worth →
GOLDSTONE, Sindy→
Resignedsecretary · appointed 2020-10-06 · resigned 2025-07-07
GATELEY SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 2013-10-18 · resigned 2013-10-22
BREMERMAN, Glenn Charles→
Resigneddirector · ~72y · appointed 2018-07-27 · resigned 2026-03-06
CHISNALL, Andrew Joseph Clive→
Resigneddirector · ~71y · appointed 2020-05-20 · resigned 2021-09-24
CLARKE, Neil→
Resigneddirector · ~56y · appointed 2020-03-23 · resigned 2026-03-31
DWYER, Paul Robert→
Resigneddirector · ~48y · appointed 2013-10-22 · resigned 2017-08-09
HAMILTON, Ian Kevin→
Resigneddirector · ~64y · appointed 2013-10-22 · resigned 2025-12-11
LENIHAN, Noel Christopher→
Resigneddirector · ~58y · appointed 2013-10-22 · resigned 2026-02-13
LEWIS, Jeremy→
Resigneddirector · ~59y · appointed 2020-05-29 · resigned 2026-03-31
SEYMOUR, Gary Michael→
Resigneddirector · ~67y · appointed 2013-10-22 · resigned 2015-05-18
STEWART, Rohan Trevor→
Resigneddirector · ~64y · appointed 2018-02-07 · resigned 2019-01-14
SULAIMAN, Sami Saad→
Resigneddirector · ~39y · appointed 2015-10-21 · resigned 2019-12-31
WARD, Michael James→
Resigneddirector · ~67y · appointed 2013-10-18 · resigned 2013-10-22
GATELEY INCORPORATIONS LIMITED→
Resignedcorporate-director · appointed 2013-10-18 · resigned 2013-10-22
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 | Cba Corporate Services (Nsw) Pty as Security Trustee Cba Corporate Services (Nsw) Pty LTD as Security Trustee | A registered charge | 1 property | 11/11/2021 | 31/01/2025 | |
| satisfied | Lucid Trustee Services as Security Trustee Lucid Trustee Services Limited as Security Trustee | A registered charge | 1 property | 06/11/2019 | 12/11/2021 | |
| satisfied | Virgin Money Clydesdale Bank PLC | A registered charge | — | 27/05/2015 | 18/11/2019 | |
| satisfied | Macquarie Bank Macquarie Bank Limited | A registered charge | — | 28/11/2014 | 28/06/2015 |
Recent filings (96 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-04-02
appoint-person-director-company-with-name-date
officers · AP01
2026-04-01
termination-director-company-with-name-termination-date
officers · TM01
2026-04-01
termination-director-company-with-name-termination-date
officers · TM01
2026-04-01
termination-director-company-with-name-termination-date
officers · TM01
2026-03-09
termination-director-company-with-name-termination-date
officers · TM01
2026-02-16
termination-director-company-with-name-termination-date
officers · TM01
2025-12-11
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-11-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-11-18
change-account-reference-date-company-current-extended
accounts · AA01
2025-10-03
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-07-10
legacy
accounts · PARENT_ACC
2025-07-10
legacy
other · GUARANTEE2
2025-07-10
legacy
other · AGREEMENT2
2025-07-10
appoint-corporate-secretary-company-with-name-date
officers · AP04
2025-07-09