CUBE INSURANCE SERVICES (HEALTH) LTD

🌳Matureactive
09584017 · 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
£414
book net assets
Opportunity
76/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 69-year-old founder — textbook succession opportunity.

Opportunity 76/100 (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 (81/100)

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
5 officers (3 active, 5 linked, 5 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
32 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
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
77
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 £414
Net assets shrinking
Down £8,894 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£414
↓ 96% YoY
Current Assets
£26k
↑ 222% YoY
Current Liabilities
—
£0£5k£10k£16k£21k£26kOct 2024Oct 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-10-312024-10-31
Total assets£414£9.3k
Current assets£25.9k£8.0k
Net assets£414£9.3k

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

Recent activity

Last 30 days
1
filing
  • • 1 accounts
Last 90 days
6
filings
  • • 4 officers
  • • 1 accounts
  • • 1 confirmation-statement
Last 180 days
6
filings
  • • 4 officers
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2026-06-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2026-05-12
    ➕
    PEPPIATT, Barbara Audrey appointed
    director
  3. 2026-05-12
    ➕
    POWELL, Emma Lynne appointed
    director
  4. 2026-05-12
    ➖
    PEPPIATT, Barbara Audrey resigned
    director
  5. 2026-05-12
    ➖
    POWELL, Emma Lynne resigned
    director
  6. 2026-05-12
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2026-05-12
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2026-05-12
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2026-05-12
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2025-05-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2024-06-25
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  12. 2023-09-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2022-11-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2021-10-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2020-09-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2019-07-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2018-11-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2018-10-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2018-10-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  20. 2018-04-27
    ➕
    PEPPIATT, Barbara Audrey appointed
    director
  21. 2018-04-27
    ➕
    POWELL, Emma Lynne appointed
    director
  22. 2018-02-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  23. 2015-05-11
    🏢
    Company incorporated
    As CUBE INSURANCE SERVICES (HEALTH) LTD
  24. 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

1 med ·
2 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: PEPPIATT, Barbara Audrey resigned 2026-05-12; POWELL, Emma Lynne resigned 2026-05-12

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Alan Charles Peppiatt
Individual · British · DOB 09/1957 · age 69
75–100%
—75-100% shares16/05/2016

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
Incorporated2015-05-11
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

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: 2027-05-25
Last: 2026-05-11

Officers (3 active · 2 resigned)

PEPPIATT, Alan Charles→
director · ~69y · appointed 2015-05-11
View their other companies + combined net worth →
Active
PEPPIATT, Barbara Audrey→
director · ~66y · appointed 2026-05-12
View their other companies + combined net worth →
Active
POWELL, Emma Lynne→
director · ~48y · appointed 2026-05-12
View their other companies + combined net worth →
Active
PEPPIATT, Barbara Audrey→
director · ~66y · appointed 2018-04-27 · resigned 2026-05-12
Resigned
POWELL, Emma Lynne→
director · ~48y · appointed 2018-04-27 · resigned 2026-05-12
Resigned

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

Recent filings (32 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-06-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-12
appoint-person-director-company-with-name-date
officers · AP01
2026-05-12
appoint-person-director-company-with-name-date
officers · AP01
2026-05-12
termination-director-company-with-name-termination-date
officers · TM01
2026-05-12
termination-director-company-with-name-termination-date
officers · TM01
2026-05-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-19
change-account-reference-date-company-current-extended
accounts · AA01
2024-06-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-13
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-11
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-21