INSULAM LIMITED
🌳Matureactive
SC106668 · ltd · incorporated 1987-09-14
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 38.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2025
Net worth
£333.2k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: SIC 22210
Sector: Manufacturing
Investor take
PursueStrong opportunity: active trading company with exceptional profile and bankable structure.
Opportunity 80/100 (exceptional), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. 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: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
2 live charges · oldest 38.5y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 38.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (78/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
99 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 declaredPositive net assets
Net assets £333,189
Net assets shrinking
Down £799 YoY
Cash YoY
+4%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£175k
↑ 3.6% YoY
Net Worth
£333k
~ YoY
Current Assets
£273k
↑ 1.2% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-10-31 | 2024-10-31 |
|---|---|---|
| Total assets | £333.8k | £337.9k |
| Current assets | £273.2k | £269.9k |
| Cash | £174.9k | £168.8k |
| Debtors | £60.0k | £57.1k |
| Net assets | £333.2k | £334.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2026-03-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-06-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-05-20📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-04-04📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-04-22📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-03-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-03-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-03-13📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-03-22📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-04-10📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-03-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-23📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-03-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-12-22📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-03-25📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2009-06-05🔓Charge satisfied #2
- 1999-09-13➖BOYLE, Alexander resigneddirector
- 1993-05-24🔒Charge registered #2Lender: The Governor and Company of the Bank of Scotland
- 1987-11-12🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 1987-09-14🏢Company incorporatedAs INSULAM LIMITED
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 39 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David Cullen Individual · British · DOB 08/1965 · age 61 | 25–50% | — | 25-50% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| LUNARLIGHT TECHNOLOGIES LIMITED→ SC857957 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated1987-09-14
Jurisdictionscotland
Primary SIC22210 — SIC 22210
Registered office
33 Fairfield Place
West Mains
East Kilbride
G74 5LP
Filing status
Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2026-11-24
Last: 2025-11-10
Officers (3 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 24/05/1993 | 05/06/2009 | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 12/11/1987 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (99 total)
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-03-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-06-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-05-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-03-13