AJ BROKERS LIMITED

🌳Matureactive
08753750 · ltd · incorporated 2013-10-29
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£282.8k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 74-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 74). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (83/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
Confirmed no charges registered
85
Directors & officers
8 officers (5 active, 8 linked, 6 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
17 connected companies via shared directors
90
Filing history
40 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
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
82
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £282,774
Net assets shrinking
Down £16,752 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£283k
↓ 5.6% YoY
Current Assets
£387k
↓ 5.2% YoY
Current Liabilities
—
£0£82k£163k£245k£327k£409kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£387.2k£299.5k
Current assets£387.2k£408.5k
Cash—£1.2k
Debtors—£407.4k
Net assets£282.8k£299.5k

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
3
filings
  • • 3 address
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2026-03-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2026-02-25
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2026-02-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-09-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-08-14
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2023-08-02
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2023-01-03
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  8. 2022-12-30
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  9. 2022-12-21
    ➕
    LOPEZ, Lourene appointed
    secretary
  10. 2022-12-19
    ➖
    HANNAM, Patricia Joan resigned
    secretary
  11. 2022-09-07
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2022-06-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2022-05-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2022-01-18
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2022-01-12
    ➕
    SPRULES, Jonathan David appointed
    director
  16. 2021-05-24
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  17. 2020-10-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2019-06-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2018-09-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2015-01-28
    ➕
    READINGS, Nicholas Beresford appointed
    director
  21. 2015-01-28
    ➕
    UPTON, Joanne appointed
    director
  22. 2014-09-29
    ➕
    UPTON, Andrew David appointed
    director
  23. 2014-09-29
    ➖
    HANNAM, Patricia Joan resigned
    director
  24. 2014-09-09
    ➕
    HANNAM, Patricia Joan appointed
    director
  25. 2014-09-09
    ➖
    UPTON, Andrew David resigned
    director
  26. 2013-10-29
    🏢
    Company incorporated
    As AJ BROKERS LIMITED
  27. 2013-10-29
    ➕
    HANNAM, Patricia Joan appointed
    secretary
  28. 2013-10-29
    ➕
    UPTON, Andrew David appointed
    director

Owner dependency

63/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 74 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

65/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Andrew David Upton
Individual · British · DOB 06/1970 · age 56
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
Mrs Joanne Upton
Individual · British · DOB 03/1970 · age 56
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016

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 →

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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
Incorporated2013-10-29
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

1 George Yard
4th Floor
London
EC3V 9DF
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-12
Last: 2025-10-29

Officers (5 active · 3 resigned)

LOPEZ, Lourene→
secretary · appointed 2022-12-21
View their other companies + combined net worth →
Active
READINGS, Nicholas Beresford→
director · ~74y · appointed 2015-01-28
View their other companies + combined net worth →
Active
SPRULES, Jonathan David→
director · ~58y · appointed 2022-01-12
View their other companies + combined net worth →
Active
UPTON, Andrew David→
director · ~56y · appointed 2014-09-29
View their other companies + combined net worth →
Active
UPTON, Joanne→
director · ~56y · appointed 2015-01-28
View their other companies + combined net worth →
Active
HANNAM, Patricia Joan→
secretary · appointed 2013-10-29 · resigned 2022-12-19
Resigned
HANNAM, Patricia Joan→
director · ~71y · appointed 2014-09-09 · resigned 2014-09-29
Resigned
UPTON, Andrew David→
director · ~56y · appointed 2013-10-29 · resigned 2014-09-09
Resigned

Click a director name to see their full track record across all companies.

Recent filings (40 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-02
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-30
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-08-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-31
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-08-02
appoint-person-secretary-company-with-name-date
officers · AP03
2023-01-03
termination-secretary-company-with-name-termination-date
officers · TM02
2022-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-09-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-06-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-05-23