ARK INSURANCE GROUP LIMITED

🌳Matureactive
08864405 · ltd · incorporated 2014-01-28
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 5.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£264.3k
book net assets
Opportunity
74/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 5.9y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 5.9 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 6 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
40 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £264,339
Net assets shrinking
Down £135,421 YoY
Cash YoY
+60%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£1.9m
↑ 60% YoY
Net Worth
£264k
↓ 34% YoY
Current Assets
£4.2m
↑ 42% YoY
Current Liabilities
—
£0£831k£1.7m£2.5m£3.3m£4.2mJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Total assets£275.9k£450.9k
Current assets£4.16M£2.93M
Cash£1.86M£1.16M
Debtors£2.30M£1.77M
Net assets£264.3k£399.8k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-04-30
    📄
    accounts-with-accounts-type-small
    accounts · AA
  2. 2025-04-29
    📄
    accounts-with-accounts-type-small
    accounts · AA
  3. 2024-04-19
    📄
    accounts-with-accounts-type-small
    accounts · AA
  4. 2024-02-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2024-01-31
    ➖
    NASH, Roger Martin resigned
    director
  6. 2023-12-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  7. 2023-04-27
    📄
    accounts-with-accounts-type-small
    accounts · AA
  8. 2022-03-30
    📄
    accounts-with-accounts-type-small
    accounts · AA
  9. 2022-02-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2022-02-10
    ➕
    GILBERT, Donna appointed
    director
  11. 2021-04-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-04-01
    ➕
    NASH, Roger Martin appointed
    director
  13. 2021-04-01
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2020-07-17
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2020-07-16
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  16. 2019-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2019-11-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2019-11-06
    ➕
    HOLLIER, Adrian Dennis appointed
    director
  19. 2019-09-09
    ➕
    SCANNELL, Lewis appointed
    director
  20. 2019-09-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  21. 2019-04-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2018-02-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2016-09-01
    ➕
    LANE, Abigail Louise appointed
    director
  24. 2016-09-01
    ➖
    LANE, Abigail Louise resigned
    director
  25. 2014-01-28
    🏢
    Company incorporated
    As ARK INSURANCE GROUP LIMITED
  26. 2014-01-28
    ➕
    GOW, Rachel Louise appointed
    director

Owner dependency

40/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.

Succession & seller-readiness

43/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondary12+ year tenure: Director in role 12 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Itus Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Itus Group Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
ARK INSURANCE GROUP LIMITED
This company · 08864405

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%
NameSharesVoting rightsNature of controlNotified
Itus Group Limited
Corporate entity
75–100%
75–100%75-100% shares · 75-100% voting06/04/2016

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

6 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
Incorporated2014-01-28
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Leofric House
Binley Road
Coventry
West Midlands
CV3 1JN

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-02-11
Last: 2026-01-28

Officers (4 active · 2 resigned)

GILBERT, Donna→
director · ~41y · appointed 2022-02-10
View their other companies + combined net worth →
Active
GOW, Rachel Louise→
director · ~53y · appointed 2014-01-28
View their other companies + combined net worth →
Active
HOLLIER, Adrian Dennis→
director · ~52y · appointed 2019-11-06
View their other companies + combined net worth →
Active
SCANNELL, Lewis→
director · ~47y · appointed 2019-09-09
View their other companies + combined net worth →
Active
LANE, Abigail Louise→
director · ~55y · appointed 2016-09-01 · resigned 2016-09-01
Resigned
NASH, Roger Martin→
director · ~69y · appointed 2021-04-01 · resigned 2024-01-31
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
Lloyds Bank PLC
A registered charge—16/07/2020—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (40 total)

accounts-with-accounts-type-small
accounts · AA
2026-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-11
accounts-with-accounts-type-small
accounts · AA
2025-04-29
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-29
accounts-with-accounts-type-small
accounts · AA
2024-04-19
termination-director-company-with-name-termination-date
officers · TM01
2024-02-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-12-15
accounts-with-accounts-type-small
accounts · AA
2023-04-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-30
accounts-with-accounts-type-small
accounts · AA
2022-03-30
appoint-person-director-company-with-name-date
officers · AP01
2022-02-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-29
appoint-person-director-company-with-name-date
officers · AP01
2021-04-01