RAW INSURANCE BROKERS LTD.
🏛️Establishedactive
11167592 · ltd · incorporated 2018-01-24
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2026
Net worth
£32.7k
book net assets
Opportunity
76/100
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 76/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: high (83/100)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
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
36 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
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
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 £32,694
Net assets shrinking
Down £105,639 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
£65k
Net Worth
£33k
↓ 76% YoY
Current Assets
£271k
↓ 21% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2026-01-31 | 2025-01-31 |
|---|---|---|
| Total assets | £143.8k | £230.0k |
| Current assets | £270.7k | £344.3k |
| Cash | £65.1k | — |
| Debtors | £205.6k | — |
| Net assets | £32.7k | £138.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
8
filings
- • 2 resolution
- • 2 capital
- • 1 incorporation
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2026-03-30📄memorandum-articlesincorporation · MA
- 2026-03-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-03-19📄resolutionresolution · RESOLUTIONS
- 2026-03-19📄resolutionresolution · RESOLUTIONS
- 2026-03-19📄capital-name-of-class-of-sharescapital · SH08
- 2026-03-17📄capital-alter-shares-subdivisioncapital · SH02
- 2026-03-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-06➕MCCAFFREY, James William appointeddirector
- 2025-03-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-01-23📄change-person-director-company-with-change-dateofficers · CH01
- 2025-01-23📄change-person-director-company-with-change-dateofficers · CH01
- 2025-01-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-02-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-06-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-05-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-01-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-01-24🏢Company incorporatedAs RAW INSURANCE BROKERS LTD.
- 2018-01-24➕ROBERTS, Ryan James appointeddirector
- 2018-01-24➕WARD, Stephen Francis appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
Red flags
cleanNo 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 |
|---|---|---|---|---|
Mr Stephen Francis Ward Individual · British · DOB 05/1984 · age 42 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 24/01/2018 |
Mr Ryan James Roberts Individual · British · DOB 03/1985 · age 41 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 24/01/2018 |
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
Active · Financial services · CA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| DA FINANCIAL SERVICES (DALSTON) LIMITED→ 04030020 · est 2000 | — | — | — | 0 | 25y | 82 | 60y |
| CALEDONIAN CONSUMER FINANCE LTD→ 07368004 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| DW 2020 LIMITED→ 12369622 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| EDWARD J GRICE WEALTH MANAGEMENT LTD→ 09111923 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| KESWICK WEALTH MANAGEMENT LIMITED→ 09489781 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| MYRETIREMENT LTD→ 09021399 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| REBO ENTERPRISES LTD→ 15022259 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| RIGHT FINANCE LIMITED→ 12997053 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ROBINSON+CO FINANCIAL SERVICES LIMITED→ 07272147 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| RUSHMERE FINANCIAL PLANNING LTD→ 16081617 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| SCOTT MOTOR FINANCE LTD→ 11747507 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| SENTREOS LTD→ 13410215 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2018-01-24
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
Unit I Baron Way
Kingmoor Business Park
Carlisle
CA6 4SJ
England
Filing status
Accounts
Next due: 2027-10-31
Last made up to: 2026-01-31
Confirmation statement
Next due: 2027-02-06
Last: 2026-01-23
Officers (3 active · 0 resigned)
MCCAFFREY, James William→
Activedirector · ~64y · appointed 2026-03-06
View their other companies + combined net worth →
ROBERTS, Ryan James→
Activedirector · ~41y · appointed 2018-01-24
View their other companies + combined net worth →
WARD, Stephen Francis→
Activedirector · ~42y · appointed 2018-01-24
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (36 total)
memorandum-articles
incorporation · MA
2026-03-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-24
resolution
resolution · RESOLUTIONS
2026-03-19
resolution
resolution · RESOLUTIONS
2026-03-19
capital-name-of-class-of-shares
capital · SH08
2026-03-19
capital-alter-shares-subdivision
capital · SH02
2026-03-17
appoint-person-director-company-with-name-date
officers · AP01
2026-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-26
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-01-23
change-person-director-company-with-change-date
officers · CH01
2025-01-23
change-person-director-company-with-change-date
officers · CH01
2025-01-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-01-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-07-05