CUBE INSURANCE SERVICES LTD

🌳Matureactive

09583243 · ltd · incorporated 2015-05-11

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 Oct 2025

Net worth

£693

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Other activities auxiliary to insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 69-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 69). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (80/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

3 officers (3 active, 3 linked, 3 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

4 connected companies via shared directors

Filing history

30 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £693

Net assets shrinking

Down £575 YoY

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£693

↓ 45% YoY

Current Assets

£10k

↑ 95% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-10-31	2024-10-31
Total assets	£693	£1.3k
Current assets	£9.9k	£5.1k
Net assets	£693	£1.3k

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

Recent activity

Last 30 days

filing

• 1 accounts

Last 90 days

filings

• 1 accounts
• 1 confirmation-statement

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (19 events)Click to expand

2026-06-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-25
📄
change-account-reference-date-company-current-extended
accounts · AA01
2023-09-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-01
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-26
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-04-26
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-09-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-07-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-11-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-02-06
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-01-27
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-05-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2016-04-27
➕
PEPPIATT, Barbara Audrey appointed
director
2016-04-23
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-08-10
➕
POWELL, Emma Lynne appointed
director
2015-05-11
🏢
Company incorporated
As CUBE INSURANCE SERVICES LTD
2015-05-11
➕
PEPPIATT, Alan Charles appointed
director

Owner dependency

73/100

High — earn-out structure required

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

FACTORS

+Founder age: Director aged approximately 69 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

55/100

Strong succession signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
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.)

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mrs Barbara Audrey Peppiatt Individual · British · DOB 04/1960 · age 66	25–50%	25–50%	25-50% shares · 25-50% voting	26/04/2021
Mr Alan Charles Peppiatt Individual · British · DOB 09/1957 · age 69	25–50%	25–50%	25-50% shares · 25-50% voting	24/04/2016

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.

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Similar companies

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ACCOLADE EDUCATION FINANCIAL INVESTMENTS LIMITED→ 15187606 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
BREAKWATER FINANCIAL PLANNING LIMITED→ 10118057 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
CC FINANCIAL LIMITED→ 15592302 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
CHRIS NEWTON MORTGAGE SERVICES LIMITED→ 08891809 · est 2014 · no financials extracted	—	—	—	—	12y	—	—
CJ HOLDINGS PLYMOUTH LTD→ 16305540 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
CJ PROPLAN LTD→ 09314749 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
CMB MORTGAGE CONSULTANTS LIMITED→ 06038104 · est 2006 · no financials extracted	—	—	—	—	19y	—	—
CONTINUUM FINANCIAL LTD→ 09482455 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
COUNTY MORTGAGES (CORNWALL) LTD→ 12586297 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
CUBE INSURANCE SERVICES (HEALTH) LTD→ 09584017 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
CURWINS FINANCIAL & MORTGAGE ADVISERS LTD→ 08214163 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
CUTTER & CO FINANCIAL PLANNING LIMITED→ 11281160 · est 2018 · no financials extracted	—	—	—	—	8y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2015-05-11

Jurisdictionengland-wales

Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

The Old School Trethosa

St Stephens

St Austell

Cornwall

PL26 7QJ

England

Filing status

Accounts

Next due: 2027-07-31

Last made up to: 2025-10-31

Confirmation statement

Next due: 2027-05-07

Last: 2026-04-23

Officers (3 active · 0 resigned)

PEPPIATT, Alan Charles→

director · ~69y · appointed 2015-05-11

View their other companies + combined net worth →

Active

PEPPIATT, Barbara Audrey→

director · ~66y · appointed 2016-04-27

View their other companies + combined net worth →

Active

POWELL, Emma Lynne→

director · ~48y · appointed 2015-08-10

View their other companies + combined net worth →

Active

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