INSURANCE SERVICES (SCOTLAND) LIMITED

🌳Matureactive
SC107387 · ltd · incorporated 1987-11-03
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 63-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

5 live charges · 3 lenders · oldest 35.2y

35/100
too messy

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

  • · Oldest live charge is 35.2 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
16 officers (2 active, 16 linked, 11 with DOB)
84
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
134 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
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Dec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Average employees300300

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 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (51 events)Click to expand
  1. 2025-09-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-03-25
    ➕
    ANDERSON, Louise appointed
    director
  3. 2025-03-25
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2024-12-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2024-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2023-11-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2023-10-16
    ➖
    CADDOW, Kimberley Kyla resigned
    director
  8. 2023-09-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2023-03-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2023-03-01
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  11. 2022-09-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2022-02-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2021-07-22
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  14. 2021-05-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2020-07-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2020-07-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2020-02-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2018-12-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2012-01-20
    🔒
    Charge registered #6
    Lender: Clydesdale Bank PLC
  20. 2008-11-04
    🔓
    Charge satisfied #3
  21. 2008-01-15
    ➕
    CADDOW, Kimberley Kyla appointed
    director
  22. 2007-02-07
    ➖
    SCOTT, Linda Mary resigned
    secretary
  23. 2007-02-07
    ➖
    SCOTT, Linda Mary resigned
    director
  24. 2006-10-20
    🔒
    Charge registered #5
    Lender: Clydesdale Bank Public Limited Company
  25. 2003-07-31
    ➕
    SCOTT, Linda Mary appointed
    secretary
  26. 2003-07-31
    ➖
    YOUNG, Marion resigned
    secretary
  27. 2003-07-31
    ➖
    YOUNG, Marion resigned
    director
  28. 2000-10-01
    ➕
    SINCLAIR, Andrew Donald appointed
    director
  29. 1996-08-30
    ➖
    DALY, Sandra resigned
    director
  30. 1996-08-30
    ➕
    SCOTT, Linda Mary appointed
    director
  31. 1994-06-01
    ➕
    YOUNG, Marion appointed
    director
  32. 1993-06-08
    ➕
    DALY, Sandra appointed
    director
  33. 1993-06-08
    ➖
    LIVINGSTONE, Neil James Gow resigned
    director
  34. 1993-04-02
    🔒
    Charge registered #4
    Lender: Clydesdale Bank Public Limited Company
  35. 1993-03-26
    🔓
    Charge satisfied #1
  36. 1993-03-12
    🔒
    Charge registered #3
    Lender: Clydesdale Bank Public Limited Company
  37. 1991-02-28
    ➕
    YOUNG, Marion appointed
    secretary
  38. 1991-02-28
    ➕
    LIVINGSTONE, Neil James Gow appointed
    director
  39. 1991-02-23
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  40. 1990-09-26
    ➖
    SINCLAIR, Dianne Elizabeth resigned
    secretary
  41. 1990-09-25
    ➕
    FORGAN, Emma Jane appointed
    secretary
  42. 1990-09-25
    ➕
    FORGAN, David appointed
    director
  43. 1990-09-25
    ➖
    SINCLAIR, Andrew Donald resigned
    director
  44. 1990-06-25
    ➖
    GREEN, Catherine resigned
    secretary
  45. 1990-06-25
    ➕
    SINCLAIR, Dianne Elizabeth appointed
    secretary
  46. 1990-06-25
    ➕
    SINCLAIR, Andrew Donald appointed
    director
  47. 1990-06-25
    ➖
    SINCLAIR, Mary resigned
    director
  48. 1990-06-25
    ➖
    SINCLAIR, Mary resigned
    director
  49. 1990-02-28
    ➖
    FORGAN, Emma Jane resigned
    secretary
  50. 1990-02-28
    ➖
    FORGAN, David resigned
    director
Showing most recent 50 of 51 events

Owner dependency

76/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

76/100
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 63. 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 26 years. Very long tenure is a classic succession signal.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Andrew Donald Sinclair
Individual · Scottish · DOB 10/1963 · age 63
75–100%
75–100%board control75-100% shares · 75-100% voting · board control01/02/2017
1 historic (ceased) PSC
  • Miss Kimberley Kyla Caddowceased 23/12/2022· 25-50% shares · 25-50% 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 →

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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
Incorporated1987-11-03
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Suite 1, Unit 3 Lomond Business Park
Baltimore Road
Glenrothes
KY6 2PJ
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-14
Last: 2026-02-28

Officers (2 active · 14 resigned)

ANDERSON, Louise→
director · ~41y · appointed 2025-03-25
View their other companies + combined net worth →
Active
SINCLAIR, Andrew Donald→
director · ~63y · appointed 2000-10-01
View their other companies + combined net worth →
Active
FORGAN, Emma Jane→
secretary · appointed 1990-09-25 · resigned 1990-02-28
Resigned
GREEN, Catherine→
secretary · resigned 1990-06-25
Resigned
SCOTT, Linda Mary→
secretary · appointed 2003-07-31 · resigned 2007-02-07
Resigned
SINCLAIR, Dianne Elizabeth→
secretary · appointed 1990-06-25 · resigned 1990-09-26
Resigned
YOUNG, Marion→
secretary · appointed 1991-02-28 · resigned 2003-07-31
Resigned
CADDOW, Kimberley Kyla→
director · ~44y · appointed 2008-01-15 · resigned 2023-10-16
Resigned
DALY, Sandra→
director · ~72y · appointed 1993-06-08 · resigned 1996-08-30
Resigned
FORGAN, David→
director · ~75y · appointed 1990-09-25 · resigned 1990-02-28
Resigned
LIVINGSTONE, Neil James Gow→
director · ~78y · appointed 1991-02-28 · resigned 1993-06-08
Resigned
SCOTT, Linda Mary→
director · ~75y · appointed 1996-08-30 · resigned 2007-02-07
Resigned
SINCLAIR, Andrew Donald→
director · ~63y · appointed 1990-06-25 · resigned 1990-09-25
Resigned
SINCLAIR, Mary→
director · ~64y · resigned 1990-06-25
Resigned
SINCLAIR, Mary→
director · ~64y · resigned 1990-06-25
Resigned
YOUNG, Marion→
director · ~88y · appointed 1994-06-01 · resigned 2003-07-31
Resigned

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

Mortgages & charges

5
Total charges
3
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC
Floating charge1 property20/01/2012—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property20/10/2006—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property02/04/1993—
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property12/03/199304/11/2008
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property23/02/199126/03/1993
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (134 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-11
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-29
appoint-person-director-company-with-name-date
officers · AP01
2025-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-12-04
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-28
termination-director-company-with-name-termination-date
officers · TM01
2023-11-01
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-01
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-03-01
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-14
accounts-with-accounts-type-micro-entity
accounts · AA
2022-02-23