ENVELOP RISK ANALYTICS LIMITED
🏛️Establishedactive
10531277 · ltd · incorporated 2016-12-19
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 3.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
- 66220Activities of insurance agents and brokers
- 66290Other activities auxiliary to insurance and pension funding
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 78/100 (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 3.8y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~3.8 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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, 3 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
14 officers (6 active, 14 linked, 14 with DOB)
90
Ownership & PSC
0 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
117 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
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 (45 events)Click to expand
- 2025-10-02📄accounts-with-accounts-type-groupaccounts · AA
- 2025-03-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-03-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-05➕GILL, Zoravar appointeddirector
- 2025-02-05➖THORNE, Stephen James Man-Wah resigneddirector
- 2024-12-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-12-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-26📄capital-allotment-sharescapital · SH01
- 2024-10-12📄accounts-with-accounts-type-groupaccounts · AA
- 2024-09-25➖CUNHA-GOMES, Neil Anthony resigneddirector
- 2024-09-25➕THORNE, Stephen James Man-Wah appointeddirector
- 2023-09-29📄capital-allotment-sharescapital · SH01
- 2023-08-24📄accounts-with-accounts-type-groupaccounts · AA
- 2023-05-26📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-21📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-04-12📄second-filing-capital-allotment-sharescapital · RP04SH01
- 2023-04-03📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-03📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-03📄change-person-director-companyofficers · CH01
- 2023-03-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-03-08📄capital-allotment-sharescapital · SH01
- 2023-02-17📄capital-allotment-sharescapital · SH01
- 2023-01-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-13📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2022-10-12🔒Charge registered #1Lender: Hsbc UK Bank PLC
- 2021-11-18➕GOLDIE, Charles Townsend appointeddirector
- 2021-10-15➕CUNHA-GOMES, Neil Anthony appointeddirector
- 2021-10-15➖JOHNSON, Ray, Dr. resigneddirector
- 2021-08-31➖BEAZLEY, Christopher James resigneddirector
- 2020-09-10➕BELL, Graeme David appointeddirector
- 2020-07-20➕DELHAISE, Rachel Mary appointeddirector
- 2020-06-08➖HANSEN, Nicolai Borcher resigneddirector
- 2019-12-19➖PATEL, Jinesh Kiran resigneddirector
- 2019-09-16➕BEAZLEY, Christopher James appointeddirector
- 2019-09-04➖FEW, James Richard resigneddirector
- 2019-03-18➕FEW, James Richard appointeddirector
- 2018-05-31➕O'HARA, Brian Michael appointeddirector
- 2018-02-15➖GUTHRIE, Paul Joseph resigneddirector
- 2018-02-15➕JOHNSON, Ray, Dr. appointeddirector
- 2017-12-06➕HANSEN, Nicolai Borcher appointeddirector
- 2017-05-16➕SPRY, Jonathan Lionel appointeddirector
- 2016-12-19🏢Company incorporatedAs ENVELOP RISK ANALYTICS LIMITED
- 2016-12-19➕GUTHRIE, Paul Joseph appointeddirector
- 2016-12-19➕PATEL, Jinesh Kiran appointeddirector
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 78 — succession pressure is live.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
🔒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
Active · Financial services · BS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| EUROPA GROUP LIMITED→ 03279177 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| EUROPA UNDERWRITING LIMITED→ 03872760 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| EVERYSTEP FINANCIAL LIMITED→ 16512244 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FD COMMERCIAL & BRIDGING LTD→ 11671723 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| FINANCE MY PROPERTY LTD→ 11573717 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| FOALE TRADING LIMITED→ 04553602 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| FORD & COMPANY GENERAL INSURANCE BROKERS LIMITED→ 02918350 · est 1994 · no financials extracted | — | — | — | — | 32y | — | — |
| FORD MARITAGE CONSULTING LIMITED→ 12142874 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| FORLIFE PROTECTION LTD→ 16912554 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FORWARD THINKING (BRISTOL) LIMITED→ 14589512 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| FOSTER MANAGEMENT & CONSULTANCY LTD→ 17062258 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| FOURSEEN LIMITED→ 04084652 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
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
Incorporated2016-12-19
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
6th Floor Vintry Building
Wine Street
Bristol
BS1 2BD
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-01-01
Last: 2025-12-18
Officers (6 active · 8 resigned)
BELL, Graeme David→
Activedirector · ~49y · appointed 2020-09-10
View their other companies + combined net worth →
DELHAISE, Rachel Mary→
Activedirector · ~59y · appointed 2020-07-20
View their other companies + combined net worth →
GILL, Zoravar→
Activedirector · ~34y · appointed 2025-02-05
View their other companies + combined net worth →
GOLDIE, Charles Townsend→
Activedirector · ~60y · appointed 2021-11-18
View their other companies + combined net worth →
O'HARA, Brian Michael→
Activedirector · ~78y · appointed 2018-05-31
View their other companies + combined net worth →
SPRY, Jonathan Lionel→
Activedirector · ~49y · appointed 2017-05-16
View their other companies + combined net worth →
BEAZLEY, Christopher James→
Resigneddirector · ~47y · appointed 2019-09-16 · resigned 2021-08-31
CUNHA-GOMES, Neil Anthony→
Resigneddirector · ~36y · appointed 2021-10-15 · resigned 2024-09-25
FEW, James Richard→
Resigneddirector · ~55y · appointed 2019-03-18 · resigned 2019-09-04
GUTHRIE, Paul Joseph→
Resigneddirector · ~48y · appointed 2016-12-19 · resigned 2018-02-15
HANSEN, Nicolai Borcher→
Resigneddirector · ~54y · appointed 2017-12-06 · resigned 2020-06-08
JOHNSON, Ray, Dr.→
Resigneddirector · ~71y · appointed 2018-02-15 · resigned 2021-10-15
PATEL, Jinesh Kiran→
Resigneddirector · ~50y · appointed 2016-12-19 · resigned 2019-12-19
THORNE, Stephen James Man-Wah→
Resigneddirector · ~37y · appointed 2024-09-25 · resigned 2025-02-05
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 12/10/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (117 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-23
accounts-with-accounts-type-group
accounts · AA
2025-10-02
appoint-person-director-company-with-name-date
officers · AP01
2025-03-05
termination-director-company-with-name-termination-date
officers · TM01
2025-03-04
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-23
appoint-person-director-company-with-name-date
officers · AP01
2024-12-18
termination-director-company-with-name-termination-date
officers · TM01
2024-12-17
capital-allotment-shares
capital · SH01
2024-11-26
accounts-with-accounts-type-group
accounts · AA
2024-10-12
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-22
capital-allotment-shares
capital · SH01
2023-09-29
accounts-with-accounts-type-group
accounts · AA
2023-08-24
change-person-director-company-with-change-date
officers · CH01
2023-05-26
change-person-director-company-with-change-date
officers · CH01
2023-04-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-04-21