CLYDESDALE BANK INSURANCE BROKERS LIMITED

⚰️Wound downdissolved
SC047926 · ltd · incorporated 1970-09-17
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
51/100
Worth a look
🔔
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65201Life reinsurance
Investor take
Pass (distressed without resilience)
Distressed unclear — structural issues outweigh the discount.

Opportunity 51/100 (worth a look), bankability 50/100. Strong seller-intent signal (78/100, director aged 68). Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: share sale to pe / searcher (50/100). Current lenders should be on monthly review.

Data confidence

Overall: low (49/100)

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

Company profile
address, 2 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
42 officers (3 active, 42 linked, 34 with DOB)
86
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
6 connected companies via shared directors
63
Filing history
181 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
51/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
10
Concerning — overdue filings or status flags present.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
49
Multiple red flags — proceed with caution.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (102 events)Click to expand
  1. 2014-07-24
    ⚠️
    gazette-dissolved-liquidation
    gazette · GAZ2
  2. 2014-07-24
    🏁
    Company dissolved
  3. 2014-04-24
    ⚠️
    liquidation-voluntary-return-of-final-meeting-scotland
    insolvency · 4.26(Scot)
  4. 2013-06-18
    📍
    change-registered-office-address-company-with-date-old-address
    address · AD01
  5. 2013-06-18
    📄
    resolution
    resolution · RESOLUTIONS
  6. 2013-05-01
    📄
    termination-director-company-with-name
    officers · TM01
  7. 2013-04-30
    ➖
    REID, Stephen John Kent resigned
    director
  8. 2013-02-06
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  9. 2012-06-26
    📄
    accounts-with-accounts-type-full
    accounts · AA
  10. 2012-02-06
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  11. 2011-11-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2011-11-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2011-11-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2011-11-15
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  15. 2011-07-28
    📄
    appoint-person-director-company-with-name
    officers · AP01
  16. 2011-07-01
    📄
    termination-director-company-with-name
    officers · TM01
  17. 2011-06-29
    ➕
    LEWIS, Bernadette appointed
    director
  18. 2011-06-28
    📄
    accounts-with-accounts-type-full
    accounts · AA
  19. 2011-05-03
    ➖
    CUTBILL, Dean Charles resigned
    director
  20. 2011-02-08
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  21. 2010-10-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  22. 2010-10-07
    📄
    appoint-person-secretary-company-with-name
    officers · AP03
  23. 2010-10-07
    📄
    termination-secretary-company-with-name
    officers · TM02
  24. 2010-10-06
    ➕
    MCMILLAN, Lorna Forsyth appointed
    secretary
  25. 2010-10-06
    ➖
    LEWIS, Bernadette resigned
    secretary
  26. 2010-05-19
    📄
    accounts-with-accounts-type-full
    accounts · AA
  27. 2010-03-01
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  28. 2010-03-01
    📍
    move-registers-to-sail-company
    address · AD03
  29. 2010-03-01
    📍
    change-sail-address-company
    address · AD02
  30. 2010-03-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  31. 2010-03-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  32. 2008-04-06
    ➕
    LEWIS, Bernadette appointed
    secretary
  33. 2008-04-06
    ➖
    MCALL, Barbara Anne resigned
    secretary
  34. 2007-07-25
    ➕
    CUTBILL, Dean Charles appointed
    director
  35. 2007-06-08
    ➖
    MULCAHY, Garry John resigned
    director
  36. 2006-10-31
    ➖
    HIGGENS, Christine Anne resigned
    secretary
  37. 2006-01-12
    ➕
    SMITH, Martin John appointed
    director
  38. 2006-01-12
    ➕
    REID, Stephen John Kent appointed
    director
  39. 2005-12-31
    ➖
    NICOLSON, Roy Macdonald resigned
    director
  40. 2005-11-30
    ➖
    DANIELS, Karl resigned
    director
  41. 2005-10-26
    ➕
    HIGGENS, Christine Anne appointed
    secretary
  42. 2003-12-11
    ➖
    AUJARD, Christopher Charles resigned
    secretary
  43. 2003-12-11
    ➕
    MCALL, Barbara Anne appointed
    secretary
  44. 2003-10-30
    ➖
    MUNTING, Phillip Trevor resigned
    director
  45. 2003-10-30
    ➖
    ROGAN, Paul Douglas resigned
    director
  46. 2003-10-30
    ➖
    THOMSON, Howie John resigned
    director
  47. 2003-10-29
    ➕
    MULCAHY, Garry John appointed
    director
  48. 2003-02-18
    ➖
    WALKER, Iain resigned
    director
  49. 2003-02-03
    ➕
    MUNTING, Phillip Trevor appointed
    director
  50. 2003-01-02
    ➕
    DANIELS, Karl appointed
    director
Showing most recent 50 of 102 events

Owner dependency

83/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

86/100
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 68. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 56 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

2 high ·
Company dissolved
high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2014-07-24

2 insolvency-related filings on record
high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2014-07-24: gazette-dissolved-liquidation; 2014-04-24: liquidation-voluntary-return-of-final-meeting-scotland

🔒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

10 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

Statusdissolved
Typeltd
Incorporated1970-09-17
Jurisdictionscotland
Primary SIC65110 — Life insurance

Registered office

Saltire Court
20 Castle Terrace
Edinburgh
EH1 2EG
United Kingdom

Filing status

Accounts
Next due: —
Last made up to: 2011-09-30
Confirmation statement
Next due: —
Last: —

Officers (0 active · 39 resigned)

MCMILLAN, Lorna Forsyth→
secretary · appointed 2010-10-06
View their other companies + combined net worth →
Active
LEWIS, Bernadette→
director · ~68y · appointed 2011-06-29
View their other companies + combined net worth →
Active
SMITH, Martin John→
director · ~68y · appointed 2006-01-12
View their other companies + combined net worth →
Active
AUJARD, Christopher Charles→
secretary · appointed 2002-01-28 · resigned 2003-12-11
Resigned
HIGGENS, Christine Anne→
secretary · appointed 2005-10-26 · resigned 2006-10-31
Resigned
LEWIS, Bernadette→
secretary · appointed 2008-04-06 · resigned 2010-10-06
Resigned
MACINTOSH, Keith William→
secretary · resigned 1996-09-30
Resigned
MCALL, Barbara Anne→
secretary · appointed 2003-12-11 · resigned 2008-04-06
Resigned
SHIRRAN, Jane Lindsay→
secretary · appointed 1998-06-15 · resigned 2002-02-07
Resigned
STEWART, Alan James→
secretary · appointed 1996-09-30 · resigned 1998-06-15
Resigned
ASLET, Peter Michael→
director · ~74y · appointed 1994-12-05 · resigned 1995-10-31
Resigned
CICUTTO, Francis John→
director · ~76y · appointed 1994-03-21 · resigned 1996-03-01
Resigned
COLE-HAMILTON, Arthur Richard→
director · ~91y · appointed 1992-01-24 · resigned 1992-11-02
Resigned
COLE-HAMILTON, Arthur Richard→
director · ~91y · resigned 1989-02-07
Resigned
CUTBILL, Dean Charles→
director · ~62y · appointed 2007-07-25 · resigned 2011-05-03
Resigned
DANIELS, Karl→
director · ~91y · appointed 2003-01-02 · resigned 2005-11-30
Resigned
GARSON, Alastair→
director · ~102y · resigned 1988-10-31
Resigned
GOODWIN, Frederick Anderson→
director · ~68y · appointed 1996-03-01 · resigned 1998-07-31
Resigned
HENDRY, Graham Craig Macintyre→
director · ~70y · appointed 1994-05-23 · resigned 1995-11-30
Resigned
HERON, Robert Murray→
director · ~82y · appointed 1990-11-05 · resigned 1997-02-28
Resigned

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

Recent filings (181 total)

gazette-dissolved-liquidation
gazette · GAZ2
2014-07-24
liquidation-voluntary-return-of-final-meeting-scotland
insolvency · 4.26(Scot)
2014-04-24
change-registered-office-address-company-with-date-old-address
address · AD01
2013-06-18
resolution
resolution · RESOLUTIONS
2013-06-18
termination-director-company-with-name
officers · TM01
2013-05-01
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2013-02-06
accounts-with-accounts-type-full
accounts · AA
2012-06-26
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2012-02-06
change-person-director-company-with-change-date
officers · CH01
2011-11-15
change-person-director-company-with-change-date
officers · CH01
2011-11-15
change-person-director-company-with-change-date
officers · CH01
2011-11-15
change-person-secretary-company-with-change-date
officers · CH03
2011-11-15
appoint-person-director-company-with-name
officers · AP01
2011-07-28
termination-director-company-with-name
officers · TM01
2011-07-01
accounts-with-accounts-type-full
accounts · AA
2011-06-28