AFFLUENT INSURANCE SOLUTIONS LIMITED

🌱Startupactive
16894152 · ltd · incorporated 2025-12-05
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
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Turnover
not disclosed
Net worth
book net assets
Opportunity
67/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company. Reasonable fundamentals — worth a memo before deciding.

Opportunity 67/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (65/100).

Data confidence

Overall: low (54/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
4 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
3
filings
  • 3 change-of-name
Last 180 days
4
filings
  • 3 change-of-name
  • 1 incorporation
Counts from Companies House filing history.
Corporate timeline (6 events)Click to expand
  1. 2026-02-12
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  2. 2026-02-12
    ✏️
    change-of-name-request-comments
    change-of-name · NM06
  3. 2026-02-12
    ✏️
    change-of-name-notice
    change-of-name · CONNOT
  4. 2025-12-05
    🏢
    Company incorporated
    As AFFLUENT INSURANCE SOLUTIONS LIMITED
  5. 2025-12-05
    ENGLAND, Paul William appointed
    director
  6. 2025-12-05
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

80/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Young company: Only 0.4 years old — management layer unlikely to be developed.

Succession & seller-readiness

45/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

1 med ·
Name changed 3 times
medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2026-02-12: certificate-change-of-name-company; 2026-02-12: change-of-name-request-comments

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Paul William England
Individual · British · DOB 10/1984 · age 42
75100%
75–100%board control75-100% shares · 75-100% voting · board control05/12/2025

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 →
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8 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.

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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.

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Company details

Statusactive
Typeltd
Incorporated2025-12-05
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

6 Lock Square
Andover
SP10 5DT
England

Filing status

Accounts
Next due: 2027-09-05
Last made up to:
Confirmation statement
Next due: 2026-12-18
Last:

Officers (1 active · 0 resigned)

ENGLAND, Paul William
director · ~42y · appointed 2025-12-05
View their other companies + combined net worth →
Active

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

Recent filings (4 total)

certificate-change-of-name-company
change-of-name · CERTNM
2026-02-12
change-of-name-request-comments
change-of-name · NM06
2026-02-12
change-of-name-notice
change-of-name · CONNOT
2026-02-12
incorporation-company
incorporation · NEWINC
2025-12-05