KWIK-FIT INSURANCE SERVICES LIMITED
⚰️Wound downdissolved
SC147319 · ltd · incorporated 1993-11-04
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
50/100
Worth a look
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 50/100 (worth a look), bankability 72/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
5 live charges · 5 lenders · oldest 23.1y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 23.1 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (60/100)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
0
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
46 officers (2 active, 46 linked, 38 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
216 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
50/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
30
Concerning — overdue filings or status flags present.
Acquirability
55
Some acquirability indicators.
Risk profile
41
Multiple red flags — proceed with caution.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (124 events)Click to expand
- 2020-09-29📄gazette-dissolved-voluntarygazette · GAZ2(A)
- 2020-09-29🏁Company dissolved
- 2020-07-14📄gazette-notice-voluntarygazette · GAZ1(A)
- 2020-07-03📄dissolution-application-strike-off-companydissolution · DS01
- 2019-11-08📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2019-11-08📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2019-11-01➕MARSH, Claire Catherine appointedsecretary
- 2019-11-01➖SMITH, Rosemary Anne resignedsecretary
- 2019-10-03📄accounts-with-accounts-type-fullaccounts · AA
- 2019-01-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-12-31➖DYSON, Fernley Keith resigneddirector
- 2018-08-22📄accounts-with-accounts-type-fullaccounts · AA
- 2018-08-08📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2018-08-08⚠️legacyinsolvency · CAP-SS
- 2018-08-08📄legacycapital · SH20
- 2018-08-08📄resolutionresolution · RESOLUTIONS
- 2018-06-18📄change-person-director-company-with-change-dateofficers · CH01
- 2018-02-06📄change-person-director-company-with-change-dateofficers · CH01
- 2017-12-15📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2017-12-15📄legacycapital · SH20
- 2017-12-15⚠️legacyinsolvency · CAP-SS
- 2017-12-15📄resolutionresolution · RESOLUTIONS
- 2017-10-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2017-09-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-09-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-09-22🔓Charge satisfied #5
- 2017-09-22🔓Charge satisfied #4
- 2017-08-22📄accounts-with-accounts-type-fullaccounts · AA
- 2016-10-01➖BALL, Gregor Frank resigneddirector
- 2016-10-01➖BANWELL, Jason David resigneddirector
- 2016-10-01➖FURSE, James Richard John resigneddirector
- 2016-10-01➖LEMANS, Nicholas James resigneddirector
- 2016-10-01➖WATSON, Andrew Stuart resigneddirector
- 2015-12-31➖BROWN, Alan resigneddirector
- 2015-06-02➕MIDDLE, Anthony Edward appointeddirector
- 2015-04-29➖CLIFF, Mark resigneddirector
- 2015-02-02➖FRIEND, Peter Richard Henry resigneddirector
- 2014-10-17➕FURSE, James Richard John appointeddirector
- 2014-10-15🔓Charge satisfied #3
- 2014-09-17🔒Charge registered #5Lender: Rbs Invoice Finance Limited as Trustee for the Secured Parties (The "Security Agent")
- 2014-09-17🔒Charge registered #4Lender: Rbs Invoice Finance Limited as Trustee for the Secured Parties
- 2014-07-22➖BRIGHT, Robert Stewart resigneddirector
- 2014-05-27➕BALL, Gregor Frank appointeddirector
- 2013-10-22➕BANWELL, Jason David appointeddirector
- 2013-08-02➖LYNCH, June resigneddirector
- 2013-03-31➖SMITH, Barry Duncan resigneddirector
- 2013-02-05➕CLIFF, Mark appointeddirector
- 2012-12-31➖HARVEY, Julian Robert Mark resigneddirector
- 2012-10-23➕DYSON, Fernley Keith appointeddirector
- 2011-09-20🔒Charge registered #3Lender: Barclays Bank PLC
Showing most recent 50 of 124 events
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 33 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 high · 1 med ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2020-09-29
2 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2018-08-08: legacy; 2017-12-15: legacy
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Ageas (Uk) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Ageas (Uk) Limited
Corporate parent · holds 75-100% shares · board control
⬇
KWIK-FIT INSURANCE SERVICES LIMITED
This company · SC147319
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 |
|---|---|---|---|---|
Ageas (Uk) Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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 →Similar companies
Active · Financial services · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AMATI GLOBAL INVESTORS LIMITED→ SC199908 · est 1999 | £8.90M £6.47M–£11.33M | — | — | 2800 | 26y | 84 | 66y |
| CS MANAGERS LTD→ SC231678 · est 2002 | £1.50M £1.09M–£1.91M | — | — | 1200 | 24y | 86 | 77y |
| GBCP VII (GENERAL PARTNER) LIMITED→ SC253395 · est 2003 · no financials extracted | — | — | — | — | 22y | 83 | 62y |
| NOBLE GROSSART LIMITED→ SC046265 · est 1969 · no financials extracted | — | — | — | — | 57y | 83 | 72y |
| PREMIER COMMERCIAL LIMITED→ SC160330 · est 1995 | — | — | £282.5k | — | 30y | 83 | 61y |
| RIA CAPITAL MARKETS LIMITED→ SC226461 · est 2001 · no financials extracted | — | — | — | — | 24y | 83 | 58y |
| SCOTIA WEALTH MANAGEMENT LTD.→ SC267795 · est 2004 | — | — | — | 1300 | 22y | 83 | 58y |
| ALAN STEEL (ASSET MANAGEMENT) LIMITED→ SC058014 · est 1975 | — | — | — | 44 | 50y | 82 | 62y |
| ALEX HAMMOND-CHAMBERS & COMPANY→ SC126819 · est 1990 · no financials extracted | — | — | — | — | 35y | 82 | 84y |
| BANDRON LIMITED→ SC082385 · est 1983 | — | — | — | 400 | 43y | 82 | 71y |
| FAMILY & BUSINESS ASSURANCE (SERVICES) LIMITED→ SC347357 · est 2008 | — | — | £50.9k | — | 17y | 82 | 67y |
| HAMILTON DALRYMPLE TRUST COMPANY.→ SC017910 · est 1934 · no financials extracted | — | — | — | — | 92y | 82 | 71y |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Statusdissolved
Typeltd
Incorporated1993-11-04
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
2nd Floor North Saltire Court
20 Castle Terrace
Edinburgh
EH1 2EN
United Kingdom
Filing status
Accounts
Next due: —
Last made up to: 2018-12-31
Confirmation statement
Next due: —
Last: —
Officers (0 active · 44 resigned)
MARSH, Claire Catherine→
Activesecretary · appointed 2019-11-01
View their other companies + combined net worth →
MIDDLE, Anthony Edward→
Activedirector · ~56y · appointed 2015-06-02
View their other companies + combined net worth →
ALLAN, June Lynch→
Resignedsecretary · appointed 2009-10-28 · resigned 2010-08-02
LAWSON, Barry Alexander→
Resignedsecretary · appointed 2006-09-12 · resigned 2009-09-24
MCGILL, Kenneth Andrew→
Resignedsecretary · appointed 1995-01-10 · resigned 2004-07-22
MORRISON, Scott→
Resignedsecretary · appointed 2004-07-22 · resigned 2006-06-22
SMITH, Rosemary Anne→
Resignedsecretary · appointed 2010-08-02 · resigned 2019-11-01
DM COMPANY SERVICES LIMITED→
Resignedcorporate-nominee-secretary · appointed 1993-11-04 · resigned 1995-01-10
BALL, Gregor Frank→
Resigneddirector · ~63y · appointed 2014-05-27 · resigned 2016-10-01
BANWELL, Jason David→
Resigneddirector · ~59y · appointed 2013-10-22 · resigned 2016-10-01
BISSETT, Graeme→
Resigneddirector · ~68y · appointed 1999-01-11 · resigned 2001-04-25
BRIGHT, Robert Stewart→
Resigneddirector · ~76y · appointed 2011-03-17 · resigned 2014-07-22
BROWN, Alan→
Resigneddirector · ~58y · appointed 2011-03-22 · resigned 2015-12-31
BRUCE, Roderick Lawrence→
Resignednominee-director · ~78y · appointed 1993-11-04 · resigned 1993-12-09
CLIFF, Mark→
Resigneddirector · ~65y · appointed 2013-02-05 · resigned 2015-04-29
CONNOR, Raymond Thomas→
Resigneddirector · ~69y · appointed 1993-12-09 · resigned 1995-03-08
DEVINE, Brendan→
Resigneddirector · ~59y · appointed 2009-01-22 · resigned 2011-02-08
DIMARCO, Dominic→
Resigneddirector · ~75y · appointed 2002-10-08 · resigned 2002-11-01
DIMARCO, Dominic→
Resigneddirector · ~75y · appointed 2002-10-07 · resigned 2002-11-01
DYSON, Fernley Keith→
Resigneddirector · ~61y · appointed 2012-10-23 · resigned 2018-12-31
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | NatWest Group Rbs Invoice Finance Limited as Trustee for the Secured Parties (The "Security Agent") | A registered charge | 4 properties | 17/09/2014 | 22/09/2017 | |
| satisfied | NatWest Group Rbs Invoice Finance Limited as Trustee for the Secured Parties | A registered charge | 1 property | 17/09/2014 | 22/09/2017 | |
| satisfied | Barclays Barclays Bank PLC | Fixed & floating charge | 1 property | 20/09/2011 | 15/10/2014 | |
| satisfied | Barclays Barclays Bank PLC as Trustee | Bond & floating charge | 1 property | 24/02/2004 | 28/09/2005 | |
| satisfied | Barclays Barclays Bank PLC as Security Trustee | Bond & floating charge | 1 property | 28/04/2003 | 28/09/2005 |
Recent filings (216 total)
gazette-dissolved-voluntary
gazette · GAZ2(A)
2020-09-29
gazette-notice-voluntary
gazette · GAZ1(A)
2020-07-14
dissolution-application-strike-off-company
dissolution · DS01
2020-07-03
confirmation-statement-with-updates
confirmation-statement · CS01
2019-11-12
appoint-person-secretary-company-with-name-date
officers · AP03
2019-11-08
termination-secretary-company-with-name-termination-date
officers · TM02
2019-11-08
accounts-with-accounts-type-full
accounts · AA
2019-10-03
termination-director-company-with-name-termination-date
officers · TM01
2019-01-03
confirmation-statement-with-updates
confirmation-statement · CS01
2018-11-05
accounts-with-accounts-type-full
accounts · AA
2018-08-22
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2018-08-08
legacy
insolvency · CAP-SS
2018-08-08
legacy
capital · SH20
2018-08-08
resolution
resolution · RESOLUTIONS
2018-08-08
change-person-director-company-with-change-date
officers · CH01
2018-06-18