AC INS CONSULTANTS LTD
🌳Matureactive
09304127 · ltd · incorporated 2014-11-10
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
£103.8k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (79/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
46 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
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £103,792
Net assets shrinking
Down £162,416 YoY
Cash YoY
-3%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£250k
↓ 2.7% YoY
Net Worth
£104k
↓ 61% YoY
Current Assets
£308k
↓ 2.1% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £104.8k | £266.8k |
| Current assets | £308.3k | £314.8k |
| Cash | £249.9k | £256.8k |
| Debtors | £58.5k | £58.0k |
| Net assets | £103.8k | £266.2k |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-11-14📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-14📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-24📄memorandum-articlesincorporation · MA
- 2024-11-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-11-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-08-09📄resolutionresolution · RESOLUTIONS
- 2024-08-09📄capital-return-purchase-own-sharescapital · SH03
- 2024-08-09📄capital-return-purchase-own-sharescapital · SH03
- 2024-08-06📄capital-cancellation-sharescapital · SH06
- 2024-08-06📄capital-cancellation-sharescapital · SH06
- 2024-08-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-08-01📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-08-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-31➖PIETRANTONIO, Francesco Charles resigneddirector
- 2023-08-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-18📄capital-allotment-sharescapital · SH01
- 2022-11-02📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-02📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-11-01➕LAWLER, Warren appointeddirector
- 2020-03-25➕LAWLER, Stephanie appointeddirector
- 2019-06-26➖PIETRANTONIO, Cynthia resigneddirector
- 2014-11-10🏢Company incorporatedAs AC INS CONSULTANTS LTD
- 2014-11-10➕PIETRANTONIO, Cynthia appointeddirector
- 2014-11-10➕PIETRANTONIO, Francesco Charles appointeddirector
Owner dependency
66/100
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Acib Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Acib Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
AC INS CONSULTANTS LTD
This company · 09304127
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 |
|---|---|---|---|---|
Acib Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 31/07/2024 |
1 historic (ceased) PSC
- Mr Francesco Charles Pietrantonioceased 31/07/2024· 75-100% shares · 75-100% voting · board control · significant influence · firm interest
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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|---|---|---|---|---|---|---|---|
| 21159C LIMITED→ 08704513 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| 9MONEY LIMITED→ 15685057 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABC HOLDCO II LTD→ 13135640 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ABODE MORTGAGE & PROTECTION SOLUTIONS LIMITED→ 10553742 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ABSOLUTE AM LTD→ 12180510 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACEINGTON SERVICES LIMITED→ 08342128 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| ADCOCK FINANCIAL LIMITED→ 04268333 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| AFFINITY ASSET FINANCE LIMITED→ 07036851 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| AGAMA & ASSOCIATES LIMITED→ 09666987 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| AGEAS INSHUR SERVICES LTD→ 17003559 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AIAIA LIMITED→ 12921864 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AIMEE GARRAWAY INDEPENDENT MORTGAGE SOLUTIONS LTD→ 13073432 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2014-11-10
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
1 Westdale Lane
Carlton
Nottingham
NG4 3JF
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-28
Last: 2025-11-14
Officers (2 active · 2 resigned)
LAWLER, Stephanie→
Activedirector · ~43y · appointed 2020-03-25
View their other companies + combined net worth →
LAWLER, Warren→
Activedirector · ~54y · appointed 2022-11-01
View their other companies + combined net worth →
PIETRANTONIO, Cynthia→
Resigneddirector · ~85y · appointed 2014-11-10 · resigned 2019-06-26
PIETRANTONIO, Francesco Charles→
Resigneddirector · ~53y · appointed 2014-11-10 · resigned 2024-07-31
Click a director name to see their full track record across all companies.
Recent filings (46 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-14
change-person-director-company-with-change-date
officers · CH01
2025-11-14
change-person-director-company-with-change-date
officers · CH01
2025-11-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-09
memorandum-articles
incorporation · MA
2025-03-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-11-19
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-11-07
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-07
resolution
resolution · RESOLUTIONS
2024-08-09
capital-return-purchase-own-shares
capital · SH03
2024-08-09
capital-return-purchase-own-shares
capital · SH03
2024-08-09
capital-cancellation-shares
capital · SH06
2024-08-06
capital-cancellation-shares
capital · SH06
2024-08-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-01