ARTHUR J. GALLAGHER INSURANCE BROKERS LIMITED

🌳Matureactive

SC108909 · ltd · incorporated 1988-01-26

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

—

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Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

77/100

Strong

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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 77/100 (strong), bankability 77/100. Strong seller-intent signal (60/100, 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 (65/100).

🏦

Refinance opportunity

7 live charges · 3 lenders · oldest 38.0y

35/100

too messy

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

· Oldest live charge is 38.0 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 38/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (61/100)

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

Lenders & charges

7 charges (7/7 with lender, 7/7 with type)

Directors & officers

70 officers (9 active, 70 linked, 60 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

22 connected companies via shared directors

Filing history

331 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 officers

Last 180 days

filing

• 1 officers

Counts from Companies House filing history.

Corporate timeline (163 events)Click to expand

2026-03-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-02-28
➖
DRUMMOND-SMITH, James resigned
director
2025-10-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-27
➕
RUSH, David James appointed
director
2025-10-06
📄
memorandum-articles
incorporation · MA
2025-10-06
📄
resolution
resolution · RESOLUTIONS
2025-09-02
📄
change-person-director-company-with-change-date
officers · CH01
2025-09-02
📄
change-person-director-company-with-change-date
officers · CH01
2025-08-14
📄
change-person-director-company-with-change-date
officers · CH01
2025-07-09
📄
accounts-with-accounts-type-full
accounts · AA
2025-05-09
➕
FRANCIS, Clare Louise appointed
director
2025-05-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-01-04
➖
PATTEN, Louise Alexandra Virginia, Lady resigned
director
2024-12-20
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2024-12-17
➕
OTTERSON, Robert James appointed
secretary
2024-09-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-09-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-08-31
➖
JENKIN, Elizabeth Anne resigned
director
2024-08-29
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-08-19
➖
WHITTINGHAM, James Oliver resigned
director
2024-08-09
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-07-26
➖
PEEL, Alistair Charles resigned
secretary
2024-07-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-07-01
➕
HARRIS, Nicholas George Robert appointed
director
2024-05-31
📄
accounts-with-accounts-type-full
accounts · AA
2024-04-26
➖
REA, Michael Peter resigned
director
2024-03-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-18
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-03-14
➕
CRAWFORD, Charles Robertson appointed
director
2024-03-14
➕
GREEN, Simon Anthony appointed
director
2024-03-14
➕
LANGLEY, Susan Carol appointed
director
2024-03-14
➕
SCOTT, Charles Douglas Knowles appointed
director
2024-03-14
➖
BREE, Michelle resigned
director
2021-12-01
➕
JENKIN, Elizabeth Anne appointed
director
2021-11-23
➖
GREEN, Simon Anthony resigned
director
2021-06-21
➕
COUSINS, David Michael Edwin appointed
director
2021-01-01
➖
RICHMOND, Carol Ann resigned
director
2021-01-01
➖
SCOTT, Charles Douglas resigned
director
2020-12-05
➕
BREE, Michelle appointed
director
2020-09-18
➖
GRINT, Colin Malcolm resigned
director
2019-11-12
➕
GRINT, Colin Malcolm appointed
director
2019-08-23
➕
WHITTINGHAM, James Oliver appointed
director
2018-08-10
➖
MCGOWAN, William Lindsay resigned
secretary
2018-08-10
➕
PEEL, Alistair Charles appointed
secretary
2018-06-30
➖
STORY, Ian Graham resigned
director
2018-02-06
➕
SCOTT, Charles Douglas appointed
director

Showing most recent 50 of 163 events

Owner dependency

48/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-8 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

50/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.

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.

Group structure

Friary Intermediate Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Friary Intermediate Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

ARTHUR J. GALLAGHER INSURANCE BROKERS LIMITED

This company · SC108909

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
Friary Intermediate Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	23/09/2021

2 historic (ceased) PSCs

Giles Holdings Ltdceased 23/09/2021· 25-50% shares
Rio 588 Limitedceased 23/09/2021· 50-75% shares

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

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.

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Company details

Statusactive

Typeltd

Incorporated1988-01-26

Jurisdictionscotland

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Spectrum Building

55 Blythswood Street

Glasgow

Scotland

G2 7AT

Scotland

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-11-04

Last: 2025-10-21