JOHN PATON (INSURANCE SERVICES) LIMITED

🌳Matureactive
SC101060 · ltd · incorporated 1986-09-26
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 39.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£2.26M
book net assets
Opportunity
80/100
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 73-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 73). 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

3 live charges · 2 lenders · oldest 39.4y

50/100
clean up first

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

  • · Oldest live charge is 39.4 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (84/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
13 officers (5 active, 13 linked, 10 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
16 connected companies via shared directors
90
Filing history
114 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £2,255,974
Cash YoY
+47%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£2.1m
↑ 47% YoY
Net Worth
£2.3m
↑ 17% YoY
Current Assets
£4.5m
↑ 23% YoY
Current Liabilities
—
£0£907k£1.8m£2.7m£3.6m£4.5mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£2.31M£2.02M
Current assets£4.53M£3.70M
Cash£2.09M£1.42M
Debtors£2.45M£2.28M
Net assets£2.26M£1.93M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
  1. 2025-12-22
    📄
    accounts-with-accounts-type-small
    accounts · AA
  2. 2024-12-23
    📄
    accounts-with-accounts-type-small
    accounts · AA
  3. 2024-08-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2023-12-29
    📄
    accounts-with-accounts-type-small
    accounts · AA
  5. 2022-12-19
    📄
    accounts-with-accounts-type-small
    accounts · AA
  6. 2021-12-23
    📄
    accounts-with-accounts-type-small
    accounts · AA
  7. 2021-11-26
    ➕
    CHADWICK, Matthew Jonathan appointed
    director
  8. 2021-11-26
    ➕
    NOONAN, Joanne Elizabeth appointed
    director
  9. 2021-11-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2021-11-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2021-03-30
    📄
    accounts-with-accounts-type-small
    accounts · AA
  12. 2019-12-20
    📄
    accounts-with-accounts-type-small
    accounts · AA
  13. 2018-12-22
    📄
    accounts-with-accounts-type-small
    accounts · AA
  14. 2018-02-02
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2018-02-01
    ➕
    ROBERTS, Darren Peter appointed
    director
  16. 2017-12-18
    📄
    accounts-with-accounts-type-small
    accounts · AA
  17. 2017-01-03
    📄
    accounts-with-accounts-type-full
    accounts · AA
  18. 2016-01-12
    📄
    accounts-with-accounts-type-small
    accounts · AA
  19. 2015-12-04
    🔓
    Charge satisfied #1
  20. 2015-09-30
    ➖
    PATON, Jill resigned
    director
  21. 2015-09-30
    ➖
    PATON, William John resigned
    director
  22. 2014-10-07
    🔒
    Charge registered #3
    Lender: Hsbc Bank PLC
  23. 2011-12-07
    ➕
    PATON, Jill appointed
    director
  24. 2011-12-07
    ➕
    PATON, William John appointed
    director
  25. 2011-05-13
    ➕
    MCKENDRICK, Gail Patricia appointed
    secretary
  26. 2010-07-16
    ➖
    MCGREGOR, Andrew John resigned
    secretary
  27. 2009-10-30
    ➖
    ROBERTSON, William resigned
    director
  28. 2008-06-30
    ➖
    ROLLO, Robert Charles resigned
    director
  29. 2005-01-31
    ➕
    MCGREGOR, Andrew John appointed
    secretary
  30. 2005-01-31
    ➖
    WILSON, Ian Gardner resigned
    secretary
  31. 2001-03-04
    ➖
    PATON, John resigned
    director
  32. 1997-10-01
    ➖
    GRUNDY, Peter resigned
    director
  33. 1987-03-24
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  34. 1986-12-01
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  35. 1986-09-26
    🏢
    Company incorporated
    As JOHN PATON (INSURANCE SERVICES) LIMITED

Owner dependency

70/100
High — earn-out structure required

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

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder name in company name: Company name contains director surname "PATON" — strong identity link between founder and business.
  • +Founder age: Director aged approximately 73 — succession pressure is live.

Succession & seller-readiness

70/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
  • 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

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

Group structure

John Paton & Son (Holdings) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
John Paton & Son (Holdings) Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
JOHN PATON (INSURANCE SERVICES) LIMITED
This company · SC101060

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%
NameSharesVoting rightsNature of controlNotified
John Paton & Son (Holdings) Limited
Corporate entity
75–100%
—75-100% shares06/04/2016

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 →

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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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated1986-09-26
Jurisdictionscotland
Primary SIC65120 — Non-life insurance

Registered office

40 Charles Street
Glasgow
G21 2PB
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-14
Last: 2025-12-31

Officers (5 active · 8 resigned)

MCKENDRICK, Gail Patricia→
secretary · appointed 2011-05-13
View their other companies + combined net worth →
Active
CHADWICK, Matthew Jonathan→
director · ~48y · appointed 2021-11-26
View their other companies + combined net worth →
Active
NOONAN, Joanne Elizabeth→
director · ~54y · appointed 2021-11-26
View their other companies + combined net worth →
Active
PATON, William→
director · ~73y
View their other companies + combined net worth →
Active
ROBERTS, Darren Peter→
director · ~55y · appointed 2018-02-01
View their other companies + combined net worth →
Active
MCGREGOR, Andrew John→
secretary · appointed 2005-01-31 · resigned 2010-07-16
Resigned
WILSON, Ian Gardner→
secretary · resigned 2005-01-31
Resigned
GRUNDY, Peter→
director · ~79y · resigned 1997-10-01
Resigned
PATON, Jill→
director · ~42y · appointed 2011-12-07 · resigned 2015-09-30
Resigned
PATON, John→
director · ~103y · resigned 2001-03-04
Resigned
PATON, William John→
director · ~39y · appointed 2011-12-07 · resigned 2015-09-30
Resigned
ROBERTSON, William→
director · ~82y · resigned 2009-10-30
Resigned
ROLLO, Robert Charles→
director · ~80y · resigned 2008-06-30
Resigned

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

Mortgages & charges

3
Total charges
2
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
HSBC
Hsbc Bank PLC
A registered charge1 property07/10/2014—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property24/03/1987—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property01/12/198604/12/2015
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (114 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-22
accounts-with-accounts-type-small
accounts · AA
2025-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-10
accounts-with-accounts-type-small
accounts · AA
2024-12-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-08-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-05
accounts-with-accounts-type-small
accounts · AA
2023-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-06
accounts-with-accounts-type-small
accounts · AA
2022-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-07
accounts-with-accounts-type-small
accounts · AA
2021-12-23
appoint-person-director-company-with-name-date
officers · AP01
2021-11-26
appoint-person-director-company-with-name-date
officers · AP01
2021-11-26
accounts-with-accounts-type-small
accounts · AA
2021-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-08