STIRLING INSURANCE BROKERS LIMITED

🌳Matureactive

SC110731 · ltd · incorporated 1988-04-22

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 Mar 2025

Net worth

£438.3k

book net assets

Opportunity

75/100

Strong

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What this business does

Primary activity: Non-life insurance

Sector: Financial & insurance

ALSO REGISTERED FOR

82990Other business support service activities n.e.c.

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (82/100)

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

Company profile

address, 2 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

18 officers (5 active, 18 linked, 12 with DOB)

Ownership & PSC

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

Director network

27 connected companies via shared directors

Filing history

145 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

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

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £438,288

Cash YoY

+27%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£353k

↑ 27% YoY

Net Worth

£438k

↑ 28% YoY

Current Assets

£468k

↑ 27% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£441.7k	£345.7k
Current assets	£467.7k	£368.1k
Cash	£352.8k	£278.5k
Debtors	£115.0k	£89.6k
Net assets	£438.3k	£343.2k

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

filings

Last 90 days

filings

Last 180 days

filings

• 6 officers
• 1 address
• 1 incorporation

Counts from Companies House filing history.

Corporate timeline (48 events)Click to expand

2026-02-13
📄
appoint-corporate-secretary-company-with-name-date
officers · AP04
2026-02-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-02-12
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-02-12
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2026-02-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-02-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-02-12
📄
memorandum-articles
incorporation · MA
2026-02-12
📄
resolution
resolution · RESOLUTIONS
2026-02-02
➕
SHOOSMITHS SECRETARIES LIMITED appointed
corporate-secretary
2026-02-02
➕
HANNAN, Edward George Fitzgerald appointed
director
2026-02-02
➕
LALLEY, Graeme Neal appointed
director
2026-02-02
➕
THOMSON, Robin Cameron appointed
director
2026-02-02
➖
BELGIAN, Philip resigned
secretary
2026-02-02
➖
BELGIAN, Philip resigned
director
2025-10-06
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-25
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-05-25
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-05-25
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2021-06-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2015-03-20
➕
WATT, James Lindsay Adrian appointed
director
2015-03-20
➕
BELGIAN, Philip appointed
secretary
2015-03-20
➖
HASSALL, Richard resigned
secretary
2015-03-20
➕
BELGIAN, Philip appointed
director
2015-03-20
➖
HASSALL, Richard resigned
director
2015-03-20
➖
WHITE, John William Alexander Campbell resigned
director
2012-12-31
➖
FAGAN, Patrick resigned
director
2000-10-04
➖
HAMILTON, Charles Baird resigned
director
1998-11-01
➕
HAMILTON, Charles Baird appointed
director
1998-10-31
➕
FAGAN, Patrick appointed
director
1998-10-31
➖
MCDONAGH, James Joseph Patrick resigned
director
1996-10-31
➕
HASSALL, Richard appointed
director
1994-03-23
➖
HASSALL, Richard resigned
secretary
1994-03-23
➕
MCDONAGH, James Joseph Patrick appointed
director
1990-03-20
➕
HASSALL, Richard appointed
secretary
1990-03-20
➖
JONES, George William resigned
secretary
1990-03-20
➖
COLLEY, David Terrell resigned
director
1990-03-20
➕
WHITE, John William Alexander Campbell appointed
director
1989-09-14
➖
FUTERMAN, Rachel resigned
secretary
1989-09-14
➖
DAVIS, Stanley Harold resigned
director
1988-04-22
🏢
Company incorporated
As STIRLING INSURANCE BROKERS LIMITED
1988-04-22
➕
FUTERMAN, Rachel appointed
secretary
1988-04-22
➕
DAVIS, Stanley Harold appointed
director

Owner dependency

48/100

Moderate — manageable with handover

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

45/100

Moderate signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

2 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: BELGIAN, Philip resigned 2026-02-02; BELGIAN, Philip resigned 2026-02-02

Group structure

Nc Acquisitions (Stirling) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Nc Acquisitions (Stirling) Limited

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

ultimate parent

⬇

STIRLING INSURANCE BROKERS LIMITED

This company · SC110731

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
Nc Acquisitions (Stirling) Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	25/05/2022

2 historic (ceased) PSCs

Mr Philip Belgianceased 25/05/2022· 50-75% shares · 50-75% voting · board control
Mr James Lindsay Adrian Wattceased 25/05/2022· 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 →

Similar companies

Active · Financial services · G postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
@SIPP LIMITED→ SC217126 · est 2001	£37.09M £26.97M–£47.20M	£10.21M	—	6200	25y	85	62y
FORWARD ASSET FINANCE LIMITED→ SC337979 · est 2008	£1.02M £744.7k–£1.30M	—	—	500	18y	83	64y
COMMONWEALTH GAMES (SCOTLAND) ENDOWMENT FUND→ SC301214 · est 2006	£22.3k £16.2k–£28.3k	—	—	0	20y	83	66y
BLAIRSTON ENTERPRISES LIMITED→ SC368750 · est 2009	—	—	£2.38M	—	16y	83	72y
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED→ SC200273 · est 1999 · no financials extracted	—	—	—	—	26y	83	59y
FEMALE INDEPENDENT LTD.→ SC245607 · est 2003	—	—	£20.0k	—	23y	83	66y
HARRY SMITH, LIMITED→ SC008622 · est 1913	—	—	£1.66M	—	113y	83	58y
KELVIN SMITH (INSURANCE BROKERS) LIMITED→ SC301532 · est 2006	—	—	£3.48M	—	20y	83	63y
MORTGAGE ADVICE BROKERAGE LTD→ SC336489 · est 2008	—	—	—	1500	18y	83	58y
NITRON INVESTMENTS LIMITED→ SC047915 · est 1970	—	—	£431.4k	—	55y	83	80y
PENTA CAPITAL INVESTMENTS LIMITED→ SC277543 · est 2004 · no financials extracted	—	—	—	—	21y	83	64y
PEOPLESCHAMPION.COM LIMITED→ SC270602 · est 2004 · no financials extracted	—	—	—	—	21y	83	63y

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

Incorporated1988-04-22

Jurisdictionscotland

Primary SIC65120 — Non-life insurance

Registered office

166 Buchanan Street

Glasgow

Scotland

G1 2LW

Scotland

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-09-29

Last: 2025-09-15