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Small Personal Lines Insurance Broker In Suburban Birmingham
Birmingham, West Midlands, West MidlandsIdentity protected
Available
About this business
A three-person broker arranging home, motor and travel cover for households in the suburbs of Birmingham. It started in 2021 and works from a small freehold office that is included in the sale, though the business could move if a buyer preferred. Turnover has climbed each year to £330k. Profit has not kept pace: adjusted EBITDA has barely moved, reaching £51k, while costs rose, so margins are thinner now than at the start. For a buyer with broking experience this is a modest, growing book where tighter cost control or better insurer terms could lift the return. Net profit last year was £43k.
Key investment highlights
- Turnover up from £246k to £330k since 2021
- Freehold office included in the price
- Run by a team of three
- Asking price £245k
Reason for sale
The owner is moving abroad and wants a buyer in place before the busy spring renewals.
Nothing flagged on the two questions buyers ask first
No flagRevenue going backwards and one client being too much of it are the two things that end most deals in due diligence. Both are shown here up front, from the figures the seller supplied.
- Revenue directionNo flag
Turnover rose +5.8% in 2026.
- 2021: baseline
- 2022 (+7.3%)
- 2023 (+5.3%)
- 2024 (+5.4%)
- 2025 (+6.5%)
- 2026 (+5.8%)
6 years of turnover, 2021 to 2026, as supplied by the seller.
- Client concentrationNot stated
The seller has not declared what share of revenue the largest clients represent.
No declaration supplied. Client concentration cannot be derived from accounts.
EBITDA margin narrowed from 18.7% in 2021 to 15.5% in 2026.
These are observations from the supplied figures, not a view on whether this business is worth buying. Nothing here predicts an outcome.
Computing valuation...
What happens next
Submit an enquiry to the seller. Once they approve it, you sign a non-disclosure agreement and gain access to the information memorandum, the financials and a secure deal room with the seller.