THE SCOTTISH LION INSURANCE COMPANY LIMITED

🌳Matureactive

SC025905 · ltd · incorporated 1947-11-22

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.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 41.6y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Non-life insurance

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 79-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 79). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 41.6y

50/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 41.6 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (60/100)

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

No iXBRL financials extracted

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

34 officers (6 active, 34 linked, 30 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

10 connected companies via shared directors

Filing history

212 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filing

• 1 officers

Last 90 days

filing

• 1 officers

Last 180 days

filing

• 1 officers

Counts from Companies House filing history.

Corporate timeline (75 events)Click to expand

2026-05-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-05-02
➖
MASTERS, Terence Rodney resigned
director
2025-09-11
📄
change-person-director-company-with-change-date
officers · CH01
2025-09-02
📄
accounts-with-accounts-type-full
accounts · AA
2024-10-23
📄
auditors-resignation-company
auditors · AUD
2024-08-05
📄
accounts-with-accounts-type-full
accounts · AA
2024-06-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-06-05
➕
WILSON, Andrew appointed
director
2024-01-23
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-01-03
➖
MICHAEL, Stephen Andrew resigned
director
2023-10-09
📄
accounts-with-accounts-type-full
accounts · AA
2023-02-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-01-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-12-29
➕
MICHAEL, Stephen Andrew appointed
director
2022-12-29
➖
WILSON, Andrew resigned
director
2022-05-09
📄
accounts-with-accounts-type-full
accounts · AA
2021-07-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-05-11
📄
accounts-with-accounts-type-full
accounts · AA
2021-04-01
➕
MASTERS, Terence Rodney appointed
director
2020-06-12
📄
accounts-with-accounts-type-full
accounts · AA
2019-04-29
📄
accounts-with-accounts-type-full
accounts · AA
2019-02-13
📄
auditors-resignation-company
auditors · AUD
2019-01-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2018-12-31
➖
MICHAEL, Stephen Andrew resigned
director
2016-12-02
➕
AMOS, Karen Lesley appointed
director
2016-04-01
➕
HARE, Christopher Peter appointed
director
2016-01-20
➕
SNOVER, Brian Gerard appointed
director
2015-12-31
➖
LIUZZI, Joseph Rocco resigned
director
2010-05-24
➕
LIUZZI, Joseph Rocco appointed
director
2010-04-27
➕
MARTIN, Colleen appointed
secretary
2010-04-27
➕
MAVANI, Vijay Anantray appointed
director
2010-04-27
➖
MAWLAW SECRETARIES LIMITED resigned
corporate-secretary
2010-04-27
➖
BAILEY, Stephen Richard Derrick resigned
director
2010-04-27
➖
BOWER, William John resigned
director
2010-04-27
➖
GILROY, Caspar Alexander Edwin Perine resigned
director
2010-04-27
➕
MICHAEL, Stephen Andrew appointed
director
2010-04-27
➕
WILSON, Andrew appointed
director
2008-05-21
➖
LLOYD, Jeffrey John resigned
secretary
2008-05-21
➕
MAWLAW SECRETARIES LIMITED appointed
corporate-secretary
2008-05-21
➕
BAILEY, Stephen Richard Derrick appointed
director
2008-05-21
➕
BOWER, William John appointed
director
2008-05-21
➕
GILROY, Caspar Alexander Edwin Perine appointed
director
2008-05-21
➖
LLOYD, Jeffrey John resigned
director
2008-05-21
➖
WEI, Ming resigned
director
2008-05-21
➖
ZHANG, Rizhong resigned
director
2004-12-22
➖
CHARMAN, John Robert resigned
director
2001-06-11
➖
JIANG, Yi Dao resigned
director
1999-12-16
➕
WEI, Ming appointed
director
1999-12-16
➕
ZHANG, Rizhong appointed
director
1998-12-08
➖
PENNEY, David resigned
director

Showing most recent 50 of 75 events

Owner dependency

65/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 79 — succession pressure is live.

Succession & seller-readiness

73/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 16 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Berkshire Hathaway Inc. is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Berkshire Hathaway Inc.

Corporate parent

⬇

THE SCOTTISH LION INSURANCE COMPANY LIMITED

This company · SC025905

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Berkshire Hathaway Inc. Corporate entity	—	75–100%	75-100% voting	06/04/2016

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 · PH postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ALBASURE LTD.→ SC277428 · est 2004	—	—	—	100	21y	82	75y
CRIEFF FINANCIAL & MORTGAGE CENTRE LIMITED→ SC330821 · est 2007	—	—	—	300	18y	82	67y
PROFESSIONAL MORTGAGE ADVISERS LTD→ SC270934 · est 2004	—	—	—	200	21y	81	62y
THE LENDING CHANNEL LTD→ SC334818 · est 2007	—	—	—	2100	18y	81	61y
BLACKFORD FINANCIAL SOLUTIONS LIMITED→ SC324569 · est 2007	—	—	—	200	18y	80	58y
BRAIDS BRAWEST LIMITED→ SC244281 · est 2003	—	—	—	—	23y	80	61y
DUPPLIN INVESTMENTS LIMITED→ SC480480 · est 2014	—	—	—	0	11y	80	59y
HERITABLE LIMITED→ SC237615 · est 2002	—	—	—	—	23y	80	73y
KAIM INVESTMENT COMPANY LIMITED→ SC020977 · est 1939	—	—	—	2	87y	80	88y
RODNEY NEIL FINANCIAL SERVICES (BLAIRGOWRIE) LIMITED→ SC209096 · est 2000	—	—	£100.9k	—	25y	80	67y
STRATA GROUP HOLDINGS (SCOTLAND) LIMITED→ SC193882 · est 1999	—	—	—	0	27y	80	59y
BQI GROUP LIMITED→ SC306285 · est 2006 · no financials extracted	—	—	—	—	19y	79	60y

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

7 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.

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Company details

Statusactive

Typeltd

Incorporated1947-11-22

Jurisdictionscotland

Primary SIC65120 — Non-life insurance

Registered office

Suite 1 South Inch Business Centre

Shore Road

Perth

PH2 8BW

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-08-16

Last: 2025-08-02