A TO Z COVER LTD

🏛️Establishedactive
13394302 · ltd · incorporated 2021-05-13
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 Apr 2025
Net worth
£2.8k
book net assets
Opportunity
70/100
Strong
🔔
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 70/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (78/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

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 (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
29 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
82
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 £2,788
Cash YoY
+1138%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£129k
↑ 1138% YoY
Net Worth
£3k
↑ 114% YoY
Current Assets
£141k
↑ 439% YoY
Current Liabilities
—
-£20k£12k£45k£77k£109k£141kApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-302024-04-30
Total assets£20.2k£15.7k
Current assets£141.3k£26.2k
Cash£128.9k£10.4k
Debtors£12.4k£15.8k
Net assets£2.8k£-19.9k

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
1
filing
  • • 1 address
Last 180 days
1
filing
  • • 1 address
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2026-04-20
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2025-10-29
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-09-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2025-01-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2024-06-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2023-11-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2023-11-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2023-11-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  10. 2023-11-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  11. 2023-11-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2023-11-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2023-10-31
    ➕
    CARTER, Zena appointed
    director
  14. 2023-10-30
    ➖
    PARRY, Brian resigned
    director
  15. 2023-10-23
    📄
    capital-name-of-class-of-shares
    capital · SH08
  16. 2023-10-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2023-05-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2023-03-03
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  19. 2023-01-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2021-10-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  21. 2021-09-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  22. 2021-09-21
    ➕
    PARRY, Brian appointed
    director
  23. 2021-05-13
    🏢
    Company incorporated
    As A TO Z COVER LTD
  24. 2021-05-13
    ➕
    SANT, Anna Davina appointed
    director

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Zena Carter
Individual · British · DOB 05/1978 · age 48
25–50%
25–50%board control25-50% shares · 25-50% voting · board control19/07/2023
Miss Anna Davina Sant
Individual · British · DOB 08/1982 · age 44
25–50%
25–50%board control25-50% shares · 25-50% voting · board control13/05/2021
2 historic (ceased) PSCs
  • Mr Brian Parryceased 19/07/2023· 50-75% shares · 50-75% voting
  • Mrs Judith Diane Parryceased 21/09/2021· 25-50% shares · 25-50% voting · board control

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2021-05-13
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Military House
24 Castle Street
Chester
CH1 2DS
England

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-11-10
Last: 2025-10-27

Officers (2 active · 1 resigned)

CARTER, Zena→
director · ~48y · appointed 2023-10-31
View their other companies + combined net worth →
Active
SANT, Anna Davina→
director · ~44y · appointed 2021-05-13
View their other companies + combined net worth →
Active
PARRY, Brian→
director · ~74y · appointed 2021-09-21 · resigned 2023-10-30
Resigned

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

Recent filings (29 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-04-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-15
change-person-director-company-with-change-date
officers · CH01
2023-11-14
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-11-09
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-11-09
appoint-person-director-company-with-name-date
officers · AP01
2023-11-09
termination-director-company-with-name-termination-date
officers · TM01
2023-11-09
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-27