DENIS O. BROWN & ASSOCIATES LIMITED

🌳Matureactive
SC046416 · ltd · incorporated 1969-03-12
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
—
not disclosed
Net worth
—
book net assets
Opportunity
82/100
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 67-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 57/100. Strong seller-intent signal (63/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

4 live charges · 4 lenders · oldest 38.8y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 38.8 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (57/100)

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
0
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
11 officers (5 active, 11 linked, 8 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
109 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
6
filings
  • • 2 officers
  • • 2 persons-with-significant-control
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
  1. 2026-02-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-02-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  3. 2026-02-11
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  4. 2026-02-11
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  5. 2026-01-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2024-05-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-05-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-06-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-06-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-04-22
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2021-04-21
    ➕
    BROWN, Ewan Mcintyre appointed
    director
  12. 2020-05-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-05-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2019-04-25
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2019-04-24
    ➕
    BROWN, Bryan Denis Mcintyre appointed
    director
  16. 2019-04-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2019-03-31
    ➖
    MACNIVEN, Duncan Lachlan Stewart Cameron resigned
    director
  18. 2018-05-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2005-07-20
    ➕
    MACNIVEN, Duncan Lachlan Stewart Cameron appointed
    director
  20. 2005-05-10
    ➕
    BROWN, Margaret Wright Whelen appointed
    secretary
  21. 2005-05-10
    ➕
    BROWN, Margaret Wright Whelen appointed
    director
  22. 2005-05-10
    ➖
    MOODIE, William B resigned
    secretary
  23. 2005-02-07
    ➖
    MOODIE, William B resigned
    director
  24. 2001-08-15
    ➖
    BROWN, Margaret Russell resigned
    secretary
  25. 2001-08-15
    ➕
    MOODIE, William B appointed
    secretary
  26. 2000-02-01
    🔒
    Charge registered #4
    Lender: Lloyds Tsb Scotland PLC
  27. 1999-12-07
    ➖
    BROWN, Denis Osborne resigned
    director
  28. 1995-06-08
    ➖
    PEDEN, Hugh Andrew Mair resigned
    director
  29. 1994-11-01
    ➕
    BROWN, Ewan Mclean appointed
    director
  30. 1993-09-03
    🔒
    Charge registered #3
    Lender: Tsb Bank Scotland PLC
  31. 1987-08-21
    🔒
    Charge registered #2
    Lender: Hill Samuel & Co LTD
  32. 1987-08-14
    🔒
    Charge registered #1
    Lender: Hill Samuel & Co Limited
  33. 1969-03-12
    🏢
    Company incorporated
    As DENIS O. BROWN & ASSOCIATES LIMITED

Owner dependency

88/100
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
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder name in company name: Company name contains director surname "BROWN" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 57 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

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

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Bryan Denis Mcintyre Brown
Individual · British · DOB 03/1995 · age 31
50–75%
50–75%board control50-75% shares · 50-75% voting · board control29/10/2025
1 historic (ceased) PSC
  • Mr Ewan Mclean Brownceased 29/10/2025· 50-75% shares

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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.

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
Incorporated1969-03-12
Jurisdictionscotland
Primary SIC65120 — Non-life insurance

Registered office

Osborne House
Alloa Road
Stirling
FK9 5PN

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-17
Last: 2025-12-03

Officers (5 active · 6 resigned)

BROWN, Margaret Wright Whelen→
secretary · appointed 2005-05-10
View their other companies + combined net worth →
Active
BROWN, Bryan Denis Mcintyre→
director · ~31y · appointed 2019-04-24
View their other companies + combined net worth →
Active
BROWN, Ewan Mcintyre→
director · ~38y · appointed 2021-04-21
View their other companies + combined net worth →
Active
BROWN, Ewan Mclean→
director · ~65y · appointed 1994-11-01
View their other companies + combined net worth →
Active
BROWN, Margaret Wright Whelen→
director · ~67y · appointed 2005-05-10
View their other companies + combined net worth →
Active
BROWN, Margaret Russell→
secretary · resigned 2001-08-15
Resigned
MOODIE, William B→
secretary · appointed 2001-08-15 · resigned 2005-05-10
Resigned
BROWN, Denis Osborne→
director · ~93y · resigned 1999-12-07
Resigned
MACNIVEN, Duncan Lachlan Stewart Cameron→
director · ~84y · appointed 2005-07-20 · resigned 2019-03-31
Resigned
MOODIE, William B→
director · ~81y · resigned 2005-02-07
Resigned
PEDEN, Hugh Andrew Mair→
director · ~106y · resigned 1995-06-08
Resigned

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

Mortgages & charges

4
Total charges
4
Outstanding
2
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Standard security1 property01/02/2000—
outstanding
Lloyds Banking Group
Tsb Bank Scotland PLC
Bond & floating charge1 property03/09/1993—
outstanding
Hill Samuel & Co
Hill Samuel & Co LTD
Standard security1 property21/08/1987—
outstanding
Hill Samuel & Co
Hill Samuel & Co Limited
Debenture and floating charge1 property14/08/1987—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (109 total)

change-person-director-company-with-change-date
officers · CH01
2026-02-11
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-11
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-02-11
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-02-11
change-person-secretary-company-with-change-date
officers · CH03
2026-02-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-06
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-30