PREMIER COMMERCIAL LIMITED

🌳Matureactive
SC160330 · ltd · incorporated 1995-09-14
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 30.2y old — refinance window within 12 months
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
—
year to Dec 2024
Net worth
£282.5k
book net assets
Opportunity
83/100
Exceptional
🔔
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What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 61-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 61). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 30.2y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 30.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (83/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
14 officers (3 active, 14 linked, 8 with DOB)
81
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
112 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £282,493
Cash YoY
+7%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£562k
↑ 7.0% YoY
Net Worth
£282k
↑ 55% YoY
Current Assets
£1.4m
↑ 6.9% YoY
Current Liabilities
—
£0£287k£574k£862k£1.1m£1.4mDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£311.8k£195.0k
Current assets£1.44M£1.34M
Cash£562.3k£525.4k
Debtors£873.6k£817.8k
Net assets£282.5k£182.3k

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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (48 events)Click to expand
  1. 2025-06-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-18
    📄
    memorandum-articles
    incorporation · MA
  3. 2025-03-18
    📄
    resolution
    resolution · RESOLUTIONS
  4. 2025-03-18
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  5. 2025-03-17
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  6. 2025-03-17
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2025-03-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2025-03-17
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  9. 2025-03-17
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  10. 2025-03-17
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  11. 2025-03-03
    ➕
    HUNTER, Andrew Stewart appointed
    secretary
  12. 2025-03-03
    ➕
    NATHAN, Clive Adam appointed
    director
  13. 2025-03-03
    ➖
    BOYD, Joyce resigned
    secretary
  14. 2025-03-03
    ➖
    BOYD, Joyce resigned
    director
  15. 2025-01-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2025-01-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2025-01-03
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  18. 2025-01-03
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2024-06-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2023-10-16
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  21. 2023-10-16
    🔓
    Charge satisfied #1
  22. 2023-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2022-07-05
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  24. 2021-05-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  25. 2020-10-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  26. 2016-05-27
    ➕
    BOYD, Joyce appointed
    director
  27. 2001-04-01
    ➖
    SCOTT, Lillias resigned
    secretary
  28. 2001-01-31
    ➖
    PROUDFOOT, James resigned
    director
  29. 2000-12-12
    ➕
    BOYD, Joyce appointed
    secretary
  30. 2000-04-01
    ➕
    SCOTT, Lillias appointed
    secretary
  31. 2000-03-31
    ➖
    PARK, Eleanor Thomson Morgan resigned
    secretary
  32. 1999-12-01
    ➕
    PARK, Eleanor Thomson Morgan appointed
    secretary
  33. 1999-11-01
    ➖
    CRIGGIE, Douglas Alexander resigned
    secretary
  34. 1999-10-31
    ➕
    PROUDFOOT, James appointed
    director
  35. 1999-10-20
    ➖
    SCOTT, Michael David Charles Rendle resigned
    director
  36. 1997-09-16
    ➕
    SCOTT, Michael David Charles Rendle appointed
    director
  37. 1997-08-18
    ➖
    HUNTER, David Bernard resigned
    director
  38. 1996-10-04
    ➕
    HUNTER, David Bernard appointed
    director
  39. 1996-10-04
    ➖
    HUNTER, Paul James resigned
    director
  40. 1996-03-22
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  41. 1995-09-26
    ➕
    BOYD, Crawford appointed
    director
  42. 1995-09-26
    ➕
    CRIGGIE, Douglas Alexander appointed
    secretary
  43. 1995-09-26
    ➕
    HUNTER, Paul James appointed
    director
  44. 1995-09-14
    🏢
    Company incorporated
    As PREMIER COMMERCIAL LIMITED
  45. 1995-09-14
    ➕
    REID, Brian appointed
    nominee-secretary
  46. 1995-09-14
    ➖
    REID, Brian resigned
    nominee-secretary
  47. 1995-09-14
    ➕
    MABBOTT, Stephen appointed
    nominee-director
  48. 1995-09-14
    ➖
    MABBOTT, Stephen resigned
    nominee-director

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 31 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

66/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 31 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Brown & Brown Mga Holdco (Uk) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Brown & Brown Mga Holdco (Uk) Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
PREMIER COMMERCIAL LIMITED
This company · SC160330

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%
NameSharesVoting rightsNature of controlNotified
Brown & Brown Mga Holdco (Uk) Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control03/03/2025
2 historic (ceased) PSCs
  • Mr Crawford Boydceased 03/03/2025· 25-50% shares · 25-50% voting · significant influence · firm interest
  • Mrs Joyce Boydceased 03/03/2025· 25-50% shares · 25-50% voting · significant influence · firm interest

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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated1995-09-14
Jurisdictionscotland
Primary SIC65120 — Non-life insurance

Registered office

Stanhope House
12 Stanhope Place
Edinburgh
EH12 5HH
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-09-28
Last: 2025-09-14

Officers (3 active · 11 resigned)

HUNTER, Andrew Stewart→
secretary · appointed 2025-03-03
View their other companies + combined net worth →
Active
BOYD, Crawford→
director · ~59y · appointed 1995-09-26
View their other companies + combined net worth →
Active
NATHAN, Clive Adam→
director · ~61y · appointed 2025-03-03
View their other companies + combined net worth →
Active
BOYD, Joyce→
secretary · appointed 2000-12-12 · resigned 2025-03-03
Resigned
CRIGGIE, Douglas Alexander→
secretary · appointed 1995-09-26 · resigned 1999-11-01
Resigned
PARK, Eleanor Thomson Morgan→
secretary · appointed 1999-12-01 · resigned 2000-03-31
Resigned
REID, Brian→
nominee-secretary · appointed 1995-09-14 · resigned 1995-09-14
Resigned
SCOTT, Lillias→
secretary · appointed 2000-04-01 · resigned 2001-04-01
Resigned
BOYD, Joyce→
director · ~59y · appointed 2016-05-27 · resigned 2025-03-03
Resigned
HUNTER, David Bernard→
director · ~57y · appointed 1996-10-04 · resigned 1997-08-18
Resigned
HUNTER, Paul James→
director · ~61y · appointed 1995-09-26 · resigned 1996-10-04
Resigned
MABBOTT, Stephen→
nominee-director · ~76y · appointed 1995-09-14 · resigned 1995-09-14
Resigned
PROUDFOOT, James→
director · ~75y · appointed 1999-10-31 · resigned 2001-01-31
Resigned
SCOTT, Michael David Charles Rendle→
director · ~81y · appointed 1997-09-16 · resigned 1999-10-20
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property22/03/199616/10/2023

Recent filings (112 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-24
memorandum-articles
incorporation · MA
2025-03-18
resolution
resolution · RESOLUTIONS
2025-03-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-03-18
appoint-person-secretary-company-with-name-date
officers · AP03
2025-03-17
appoint-person-director-company-with-name-date
officers · AP01
2025-03-17
termination-director-company-with-name-termination-date
officers · TM01
2025-03-17
termination-secretary-company-with-name-termination-date
officers · TM02
2025-03-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-17
change-person-director-company-with-change-date
officers · CH01
2025-01-03
change-person-director-company-with-change-date
officers · CH01
2025-01-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-01-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-01-03