BUSINESS COVER UK LTD
🏛️Establishedactive
13032558 · ltd · incorporated 2020-11-19
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£82.3k
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 (84/100)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
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
16 connected companies via shared directors
90
Filing history
15 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 · accounting standard not declaredPositive net assets
Net assets £82,269
Cash YoY
-17%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£59k
↓ 17% YoY
Net Worth
£82k
↑ 13% YoY
Current Assets
£140k
↑ 6.3% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £83.2k | £73.0k |
| Current assets | £139.8k | £131.5k |
| Cash | £58.6k | £70.8k |
| Debtors | £81.3k | £60.7k |
| Net assets | £82.3k | £73.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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
0
filings
Counts from Companies House filing history.
Corporate timeline (15 events)Click to expand
- 2025-10-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-10-10📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-10-01➕MCCAFFREY, James William appointeddirector
- 2025-07-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-01📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2020-11-19🏢Company incorporatedAs BUSINESS COVER UK LTD
- 2020-11-19➕VIDLER, Karen Lesley appointeddirector
- 2020-11-19➕WILSON, Simon Christopher James appointeddirector
- 2020-11-19➕WYLES, Mark Anthony appointeddirector
- 2020-11-19📄incorporation-companyincorporation · NEWINC
Owner dependency
48/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +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.)
Group structure
Minority Broker Partnerships Ltd holds 25-50% — a significant corporate investor but not a controlling parent.
🏛️significant stake
Minority Broker Partnerships Ltd
Corporate parent · holds 25-50% shares
⬇
BUSINESS COVER UK LTD
This company · 13032558
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Minority Broker Partnerships Ltd Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/10/2025 |
Mr Simon Christopher James Wilson Individual · British · DOB 12/1968 · age 58 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 19/11/2020 |
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 · TN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AXE ASSET MANAGEMENT LTD→ 13947001 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| BRINDLEY RISK CONSULTANCY LIMITED→ 07888597 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CHARIOT SCHEMES LIMITED→ 08167208 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| CHARLTON-MATTHEWS TRADING LTD→ 13141218 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| COMMERCIAL FINANCING SOLUTIONS LIMITED→ 07681325 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| COMMERCIAL VEHICLE CONTRACTS LIMITED→ 08293298 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| COMPASS BUSINESS INVESTMENTS 2 LIMITED→ 13505773 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| COMPASS BUSINESS INVESTMENTS LIMITED→ 12566245 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| COMPLYMATIC LIMITED→ 09702142 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CONFIDENCE IN FINANCE LTD→ 15022236 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CONNECT MORTGAGE SERVICES LTD→ 15063294 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CONNECTACARD LTD→ 09079654 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2020-11-19
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
Cape House, 60a Priory Road
Tonbridge
TN9 2BL
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-12
Last: 2025-10-29
Officers (4 active · 0 resigned)
MCCAFFREY, James William→
Activedirector · ~64y · appointed 2025-10-01
View their other companies + combined net worth →
VIDLER, Karen Lesley→
Activedirector · ~60y · appointed 2020-11-19
View their other companies + combined net worth →
WILSON, Simon Christopher James→
Activedirector · ~58y · appointed 2020-11-19
View their other companies + combined net worth →
WYLES, Mark Anthony→
Activedirector · ~41y · appointed 2020-11-19
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (15 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-29
appoint-person-director-company-with-name-date
officers · AP01
2025-10-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-10-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-10-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-11
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-06
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-26
change-account-reference-date-company-current-extended
accounts · AA01
2021-03-01
incorporation-company
incorporation · NEWINC
2020-11-19