CENTRAL INSURANCE SERVICES LIMITED
⚰️Wound downdissolved
SC100053 · ltd · incorporated 1986-07-15
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
44/100
Watch
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 44/100 (watch), bankability 52/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: refinance and hold (35/100). Current lenders should be on monthly review.
🏦
Refinance opportunity
5 live charges · 3 lenders · oldest 39.1y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 39.1 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
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
0
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
35 officers (1 active, 35 linked, 29 with DOB)
87
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
195 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
44/100Watch
PassWatchWorth a lookStrongExceptional
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Business quality
10
Concerning — overdue filings or status flags present.
Acquirability
55
Some acquirability indicators.
Risk profile
41
Multiple red flags — proceed with caution.
Signal strength
100
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 (99 events)Click to expand
- 2023-06-29⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2023-06-29🏁Company dissolved
- 2023-03-29⚠️liquidation-voluntary-members-return-of-final-meeting-scotlandinsolvency · LIQ13(Scot)
- 2023-03-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-02-24➖FLAHIVE, Jeremiah resigneddirector
- 2023-02-23➕TRAPNELL, James appointeddirector
- 2023-01-10📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-10-04➖VALENTINE, Claire Margaret resignedsecretary
- 2021-12-31➖GRUPPO, Anthony resigneddirector
- 2021-12-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-12-24📄resolutionresolution · RESOLUTIONS
- 2021-07-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-06-23📄legacycapital · SH20
- 2021-06-23📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2021-06-23⚠️legacyinsolvency · CAP-SS
- 2021-06-23📄resolutionresolution · RESOLUTIONS
- 2021-03-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-03-01➖EMEMBOLU, Oranye resigneddirector
- 2020-12-18📄change-person-director-company-with-change-dateofficers · CH01
- 2020-10-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-10-02➖BARKER, Jane Victoria resigneddirector
- 2020-09-22📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-01-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2019-09-30📄accounts-with-accounts-type-fullaccounts · AA
- 2019-06-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-06-03➕GRUPPO, Anthony appointeddirector
- 2019-05-21➖CHESSHER, Mark Christopher resigneddirector
- 2019-05-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-05-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-05-20➕EMEMBOLU, Oranye appointeddirector
- 2019-04-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-03-29➖BARTON, Philip Andrew resigneddirector
- 2019-02-27➕FLAHIVE, Jeremiah appointeddirector
- 2019-02-07➖GROGAN, Joseph Christopher resigneddirector
- 2018-12-31➖BOX, Peter John resigneddirector
- 2018-12-21➖WILLIAMS, Sally Angela Helen resigneddirector
- 2018-05-04➖WEIL, Mark Anthony resigneddirector
- 2017-10-19➕BARTON, Philip Andrew appointeddirector
- 2017-02-08➖ABBOTT, Adrianne Helen Marie resignedsecretary
- 2017-02-08➕VALENTINE, Claire Margaret appointedsecretary
- 2016-07-26➖HENRY, Iain David resigneddirector
- 2015-04-01➕WILLIAMS, Sally Angela Helen appointeddirector
- 2015-03-31➖NICHOLSON, John James resigneddirector
- 2014-04-09➕ABBOTT, Adrianne Helen Marie appointedsecretary
- 2014-04-09➖MARSH, Wendy Patricia resignedsecretary
- 2014-03-01🔓Charge satisfied #5
- 2014-02-28➖FRASER, Ian Alexander resignedsecretary
- 2014-02-28➕MARSH, Wendy Patricia appointedsecretary
- 2014-02-28➕BARKER, Jane Victoria appointeddirector
Showing most recent 50 of 99 events
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 40 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
2 high · 1 med ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2023-06-29
3 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2023-06-29: gazette-dissolved-liquidation; 2023-03-29: liquidation-voluntary-members-return-of-final-meeting-scotland
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Jelf Insurance Brokers Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Jelf Insurance Brokers Limited
Corporate parent · holds 75-100% shares · board control
⬇
CENTRAL INSURANCE SERVICES LIMITED
This company · SC100053
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 |
|---|---|---|---|---|
Jelf Insurance Brokers Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 31/10/2017 |
1 historic (ceased) PSC
- Central Insurance Services (Holdings) Limitedceased 31/10/2017· 75-100% shares · 75-100% voting · board control
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 · AB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| MILLER & CO. INVESTMENT MANAGEMENT LIMITED→ SC143600 · est 1993 | £363.6k £264.4k–£462.7k | — | — | 4 | 33y | 85 | 61y |
| PROFESSIONAL FINANCIAL PLANNERS LIMITED→ SC327610 · est 2007 | — | — | £2.38M | — | 18y | 83 | 69y |
| WEALTHWAY LIMITED→ SC207478 · est 2000 | — | — | — | 300 | 25y | 83 | 63y |
| ADVANCED FINANCIAL PLANNING SCOTLAND LIMITED→ SC387177 · est 2010 | — | — | — | 1100 | 15y | 82 | 72y |
| ATHOLL SCOTT FINANCIAL SERVICES LIMITED→ SC108824 · est 1988 | — | — | £233.4k | — | 38y | 82 | 59y |
| OPTIMA FINANCIAL SERVICES LTD.→ SC202196 · est 1999 | — | — | £134.3k | — | 26y | 82 | 69y |
| ATLAS FINANCIAL CONSULTING LIMITED→ SC217926 · est 2001 | — | — | £37.9k | — | 25y | 81 | 64y |
| FUTURA INVESTMENTS LIMITED→ SC181954 · est 1998 | — | — | — | — | 28y | 81 | 61y |
| J M TAYLOR FINANCIAL SERVICES LIMITED→ SC352131 · est 2008 | — | — | £1.71M | — | 17y | 81 | 68y |
| JAMES AND GEORGE COLLIE FINANCIAL MANAGEMENT LIMITED→ SC253171 · est 2003 | — | — | £11.1k | — | 22y | 81 | 68y |
| LOSSIEMOUTH FISHERMEN'S BENEVOLENT ASSOCIATION LIMITED→ SC185887 · est 1998 | — | — | £77.0k | — | 27y | 81 | 81y |
| SEED FUND (CARRY PARTNER) GENERAL PARTNER LIMITED→ SC318560 · est 2007 · no financials extracted | — | — | — | — | 19y | 81 | 71y |
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
Incorporated1986-07-15
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
Crown House
Prospect Road Arnhall Business
Park Westhill
Aberdeenshire
AB32 6FE
Filing status
Accounts
Next due: —
Last made up to: 2020-12-31
Confirmation statement
Next due: —
Last: —
Officers (0 active · 34 resigned)
TRAPNELL, James→
Activedirector · ~45y · appointed 2023-02-23
View their other companies + combined net worth →
ABBOTT, Adrianne Helen Marie→
Resignedsecretary · appointed 2014-04-09 · resigned 2017-02-08
FRASER, Ian Alexander→
Resignedsecretary · appointed 2008-01-14 · resigned 2014-02-28
MARSH, Wendy Patricia→
Resignedsecretary · appointed 2014-02-28 · resigned 2014-04-09
VALENTINE, Claire Margaret→
Resignedsecretary · appointed 2017-02-08 · resigned 2022-10-04
A C MORRISON & RICHARDS→
Resignedcorporate-secretary · resigned 2006-10-25
PAULL & WILLIAMSONS→
Resignedcorporate-secretary · appointed 2006-10-25 · resigned 2008-01-14
BALLANTYNE, Alistair→
Resigneddirector · ~89y · resigned 2006-09-30
BARKER, Jane Victoria→
Resigneddirector · ~77y · appointed 2014-02-28 · resigned 2020-10-02
BARTON, Philip Andrew→
Resigneddirector · ~64y · appointed 2017-10-19 · resigned 2019-03-29
BINNIE, David Alexander→
Resigneddirector · ~59y · appointed 2006-10-01 · resigned 2014-02-28
BOX, Peter John→
Resigneddirector · ~74y · appointed 2014-02-28 · resigned 2018-12-31
BREMNER, John Mcdonald→
Resigneddirector · ~83y · resigned 2000-12-29
BURNESS, Harry Neilson→
Resigneddirector · ~70y · appointed 2011-04-28 · resigned 2014-02-28
CHESSHER, Mark Christopher→
Resigneddirector · ~66y · appointed 2014-02-28 · resigned 2019-05-21
DYER, Anthony Charles→
Resigneddirector · ~77y · appointed 2000-12-29 · resigned 2006-03-31
EMEMBOLU, Oranye→
Resigneddirector · ~47y · appointed 2019-05-20 · resigned 2021-03-01
FLAHIVE, Jeremiah→
Resigneddirector · ~66y · appointed 2019-02-27 · resigned 2023-02-24
FRASER, Ian Alexander→
Resigneddirector · ~77y · appointed 1997-08-22 · resigned 2014-02-28
FRASER, Peter→
Resigneddirector · ~70y · appointed 1997-08-22 · resigned 2004-03-31
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Macquarie Bank Macquarie Bank Limited | Bond & floating charge | 1 property | 12/05/2011 | 01/03/2014 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Floating charge | 1 property | 14/01/2008 | 28/05/2011 | |
| satisfied | Central Insurance Services (Aberdeen) Central Insurance Services (Aberdeen) LTD | Standard security | 1 property | 26/04/1988 | 20/09/1988 | |
| satisfied | Central Insurance Services (Aberdeen) Central Insurance Services (Aberdeen) LTD | Standard security | 1 property | 23/03/1988 | 20/09/1988 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 2 properties | 02/04/1987 | 04/10/1988 |
Recent filings (195 total)
gazette-dissolved-liquidation
gazette · GAZ2
2023-06-29
liquidation-voluntary-members-return-of-final-meeting-scotland
insolvency · LIQ13(Scot)
2023-03-29
appoint-person-director-company-with-name-date
officers · AP01
2023-03-01
termination-director-company-with-name-termination-date
officers · TM01
2023-03-01
termination-secretary-company-with-name-termination-date
officers · TM02
2023-01-10
confirmation-statement-with-updates
confirmation-statement · CS01
2022-02-15
termination-director-company-with-name-termination-date
officers · TM01
2021-12-31
resolution
resolution · RESOLUTIONS
2021-12-24
accounts-with-accounts-type-dormant
accounts · AA
2021-07-05
legacy
capital · SH20
2021-06-23
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2021-06-23
legacy
insolvency · CAP-SS
2021-06-23
resolution
resolution · RESOLUTIONS
2021-06-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-04
termination-director-company-with-name-termination-date
officers · TM01
2021-03-02