ABERGELE INSURANCE CONSULTANTS HOLDINGS LIMITED
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
3 live charges · oldest 8.6y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 100 | 100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (26 events)Click to expand
- 2025-10-06📄resolutionresolution · RESOLUTIONS
- 2025-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-16📄capital-allotment-sharescapital · SH01
- 2022-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-12-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-12-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-12-08🔒Charge registered #3Lender: Barclays Bank PLC
- 2017-12-08🔒Charge registered #2Lender: Barclays Bank PLC
- 2017-10-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-09📄change-person-director-company-with-change-dateofficers · CH01
- 2017-10-09📄change-person-secretary-company-with-change-dateofficers · CH03
- 2017-09-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-09-25🔒Charge registered #1Lender: Barclays Bank PLC
- 2008-02-19🏢Company incorporatedAs ABERGELE INSURANCE CONSULTANTS HOLDINGS LIMITED
- 2008-02-19➕JONES, Linda appointedsecretary
- 2008-02-19➕JONES, Mark Frederick appointeddirector
- 2008-02-19➕WATERLOW SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2008-02-19➖WATERLOW SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2008-02-19➕WATERLOW NOMINEES LIMITED appointedcorporate-director
- 2008-02-19➖WATERLOW NOMINEES LIMITED resignedcorporate-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 67 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 18 years.
- secondaryStable-but-static management: Company is 18 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Mark Jones Individual · British · DOB 07/1959 · age 67 | — | — | sig. influencesignificant influence | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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9 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 →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
Registered office
Filing status
Officers (2 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 08/12/2017 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 08/12/2017 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 25/09/2017 | — |