COVER GENIUS LIMITED
🌳Matureactive
09408621 · ltd · incorporated 2015-01-27
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 5.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 73/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 5.1y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 5.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 28/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (58/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
17 officers (3 active, 17 linked, 13 with DOB)
85
Ownership & PSC
0 active PSC(s) of 4 total, 4 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
87 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
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
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
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 (58 events)Click to expand
- 2025-10-08📄accounts-with-accounts-type-fullaccounts · AA
- 2025-09-22📄appoint-corporate-secretary-company-with-name-dateofficers · AP04
- 2025-09-22📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-09-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-09-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-01➕CLARKE, Ella Mary appointeddirector
- 2025-08-27➕CSC CLS (UK) LIMITED appointedcorporate-secretary
- 2025-08-27➖CORPORATION SERVICE COMPANY (UK) LIMITED resignedcorporate-secretary
- 2025-02-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-02-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-07➕RITTINGER, Darcy appointeddirector
- 2025-02-07➖DEAN, Graeme John resigneddirector
- 2025-02-07➖MCDONALD, Angus James Ridley resigneddirector
- 2024-12-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-09-17📄appoint-corporate-secretary-company-with-name-dateofficers · AP04
- 2024-09-17📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-08-30➖DEAN, Graeme John resignedsecretary
- 2024-08-30➕CORPORATION SERVICE COMPANY (UK) LIMITED appointedcorporate-secretary
- 2024-08-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-20🔒Charge registered #3Lender: Hsbc Ventures Usa Inc.
- 2024-08-19📄accounts-with-accounts-type-fullaccounts · AA
- 2024-01-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-31➖BAYLEY, Christopher Robert resigneddirector
- 2023-09-05📄change-person-director-company-with-change-dateofficers · CH01
- 2023-08-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-08-10🔒Charge registered #2Lender: Hsbc Ventures Usa Inc.
- 2023-08-10🔓Charge satisfied #1
- 2023-08-08📄accounts-with-accounts-type-fullaccounts · AA
- 2023-08-04📄memorandum-articlesincorporation · MA
- 2023-08-04📄resolutionresolution · RESOLUTIONS
- 2023-04-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-04-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-03-23🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2020-05-12➖SUTCLIFFE, Anthony Joel resigneddirector
- 2019-10-15➕SUTCLIFFE, Anthony Joel appointeddirector
- 2019-10-15➖SUTCLIFFE, Anthony resigneddirector
- 2019-09-30➖SUTCLIFFE, Anthony resignedsecretary
- 2019-09-30➕BAYLEY, Christopher Robert appointeddirector
- 2019-09-30➕MCDONALD, Angus James Ridley appointeddirector
- 2019-09-30➕SUTCLIFFE, Anthony appointeddirector
- 2019-09-30➖SUTCLIFFE, Anthony resigneddirector
- 2017-03-01➖BOND, David Alan resigneddirector
- 2016-03-17➕SUTCLIFFE, Anthony appointeddirector
- 2016-03-17➖SUTCLIFFE, Anthony resigneddirector
- 2016-03-16➕SUTCLIFFE, Anthony appointedsecretary
- 2016-03-16➕SUTCLIFFE, Anthony appointeddirector
- 2016-02-22➖BAYLEY, Chris Robert resigneddirector
- 2016-02-01➕BAYLEY, Chris Robert appointeddirector
Showing most recent 50 of 58 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
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
1 lowMultiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
🔒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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| 10SIGMA LTD→ 10183887 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 11:11 ENTERPRISE LTD→ 15420810 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 121 FINANCIAL SOLUTIONS LTD→ 16992858 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 144 MURCHISON ROAD LTD→ 13293687 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 21 FINANCE & ASSOCIATES LTD→ 14119356 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 225 CITY LIMITED→ 12931455 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 258 CAPITAL LIMITED→ 16051762 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 2CRANES LIMITED→ 16273407 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 3EYES CAPITAL SERVICES LTD→ 14612117 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| A.BILBROUGH & CO.LIMITED→ 00116377 · est 1911 · no financials extracted | — | — | — | — | 114y | — | — |
| A1 SECURITY SOLUTIONS LTD→ 14900584 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AA HOMES AND HOUSING (HARGRAVES ROAD) LTD→ 11857751 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2015-01-27
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
C/O Csc Cls (Uk) Limited 5 Churchill Place
10th Floor
London
E14 5HU
United Kingdom
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-06-30
Confirmation statement
Next due: 2026-09-03
Last: 2025-08-20
Officers (3 active · 14 resigned)
CSC CLS (UK) LIMITED→
Activecorporate-secretary · appointed 2025-08-27
View their other companies + combined net worth →
CLARKE, Ella Mary→
Activedirector · ~35y · appointed 2025-09-01
View their other companies + combined net worth →
RITTINGER, Darcy→
Activedirector · ~47y · appointed 2025-02-07
View their other companies + combined net worth →
DEAN, Graeme John→
Resignedsecretary · appointed 2015-01-27 · resigned 2024-08-30
SUTCLIFFE, Anthony→
Resignedsecretary · appointed 2016-03-16 · resigned 2019-09-30
CORPORATION SERVICE COMPANY (UK) LIMITED→
Resignedcorporate-secretary · appointed 2024-08-30 · resigned 2025-08-27
BAYLEY, Chris Robert→
Resigneddirector · ~50y · appointed 2016-02-01 · resigned 2016-02-22
BAYLEY, Chris Robert→
Resigneddirector · ~50y · appointed 2015-04-15 · resigned 2015-06-01
BAYLEY, Chris Robert→
Resigneddirector · ~50y · appointed 2015-01-27 · resigned 2015-03-10
BAYLEY, Christopher Robert→
Resigneddirector · ~50y · appointed 2019-09-30 · resigned 2023-12-31
BOND, David Alan→
Resigneddirector · ~61y · appointed 2015-03-10 · resigned 2017-03-01
DEAN, Graeme John→
Resigneddirector · ~43y · appointed 2015-01-27 · resigned 2025-02-07
MCDONALD, Angus James Ridley→
Resigneddirector · ~49y · appointed 2019-09-30 · resigned 2025-02-07
SUTCLIFFE, Anthony Joel→
Resigneddirector · ~47y · appointed 2019-10-15 · resigned 2020-05-12
SUTCLIFFE, Anthony→
Resigneddirector · ~70y · appointed 2019-09-30 · resigned 2019-10-15
SUTCLIFFE, Anthony→
Resigneddirector · ~47y · appointed 2016-03-17 · resigned 2019-09-30
SUTCLIFFE, Anthony→
Resigneddirector · ~47y · appointed 2016-03-16 · resigned 2016-03-17
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Ventures Usa Inc. | A registered charge | 1 property | 20/08/2024 | — | |
| outstanding | HSBC Hsbc Ventures Usa Inc. | A registered charge | 1 property | 10/08/2023 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 23/03/2021 | 10/08/2023 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (87 total)
accounts-with-accounts-type-full
accounts · AA
2025-10-08
appoint-corporate-secretary-company-with-name-date
officers · AP04
2025-09-22
termination-secretary-company-with-name-termination-date
officers · TM02
2025-09-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-22
appoint-person-director-company-with-name-date
officers · AP01
2025-09-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-22
termination-director-company-with-name-termination-date
officers · TM01
2025-02-14
appoint-person-director-company-with-name-date
officers · AP01
2025-02-13
termination-director-company-with-name-termination-date
officers · TM01
2025-02-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-12-12
appoint-corporate-secretary-company-with-name-date
officers · AP04
2024-09-17
termination-secretary-company-with-name-termination-date
officers · TM02
2024-09-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-28
accounts-with-accounts-type-full
accounts · AA
2024-08-19