OPTIMA EMPLOYEE BENEFIT CONSULTANTS LTD
🌳Matureactive
SC183393 · ltd · incorporated 1998-02-27
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 Feb 2025
Net worth
£98.1k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueActive trading company with a 67-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 80/100. Strong seller-intent signal (68/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 1.6y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.6 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
13 officers (2 active, 13 linked, 7 with DOB)
81
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
102 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
75
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 declaredPositive net assets
Net assets £98,091
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£98k
↑ 104% YoY
Current Assets
£158k
↑ 64% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-02-28 | 2024-02-28 |
|---|---|---|
| Total assets | £99.3k | £49.2k |
| Current assets | £157.8k | £96.1k |
| Net assets | £98.1k | £48.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (43 events)Click to expand
- 2025-06-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-06📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-04-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-04-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-04-17➖HARDY, Lorraine Mary resigneddirector
- 2025-04-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-18🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2024-08-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-07-04➖PRITCHARD, Judith Mary resignedsecretary
- 2023-07-04📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-07-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-06-16➕CAMPBELL, Andrew Charles appointeddirector
- 2023-04-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-04-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-04-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-03-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-09-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-09-01➖HARVIE, Anthony John resigneddirector
- 2016-04-29➕SCOTT, Campbell appointeddirector
- 2016-04-29➖CRAIK, David Norman Murray resignedsecretary
- 2016-04-29➕PRITCHARD, Judith Mary appointedsecretary
- 2016-04-29➕HARDY, Lorraine Mary appointeddirector
- 2009-08-21➕CRAIK, David Norman Murray appointedsecretary
- 2009-08-21➖LC SECRETARIES LIMITED resignedcorporate-secretary
- 2006-04-03➕LC SECRETARIES LIMITED appointedcorporate-secretary
- 2006-04-03➖LEDINGHAM CHALMERS LLP resignedcorporate-secretary
- 1999-10-15➖CRAIK, David Norman Murray resignedsecretary
- 1999-10-15➕LEDINGHAM CHALMERS LLP appointedcorporate-secretary
- 1999-10-15➖CRAIK, David Norman Murray resigneddirector
- 1999-10-15➖WILSON, Stuart William resigneddirector
- 1998-04-14➕CRAIK, David Norman Murray appointedsecretary
- 1998-04-14➖MIDDLETON, Sandra Elizabeth resignednominee-secretary
- 1998-04-14➕CRAIK, David Norman Murray appointeddirector
- 1998-04-14➕HARVIE, Anthony John appointeddirector
- 1998-04-14➖MCNIVEN, Alan Ross resignednominee-director
- 1998-04-14➕WILSON, Stuart William appointeddirector
- 1998-02-27🏢Company incorporatedAs OPTIMA EMPLOYEE BENEFIT CONSULTANTS LTD
- 1998-02-27➕MIDDLETON, Sandra Elizabeth appointednominee-secretary
- 1998-02-27➕MCNIVEN, Alan Ross appointednominee-director
Owner dependency
73/100
High — earn-out structure requiredMaterial 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.
- +Founder age: Director aged approximately 67 — succession pressure is live.
Succession & seller-readiness
61/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Family & Business Assurance (Services) Limited holds 25-50% — a significant corporate investor but not a controlling parent.
🏛️significant stake
Family & Business Assurance (Services) Limited
Corporate parent · holds 25-50% shares
⬇
OPTIMA EMPLOYEE BENEFIT CONSULTANTS LTD
This company · SC183393
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Family & Business Assurance (Services) Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 31/03/2025 |
1 historic (ceased) PSC
- Mr Campbell Scottceased 28/03/2025· 25-50% shares · 25-50% voting
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 |
|---|---|---|---|---|---|---|---|
| PEGASUS MORTGAGE LTD→ SC643111 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| PLAN IT AND PROSPER LTD→ SC866683 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| PROPERTY LAW CENTRE LIMITED→ SC348791 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| PROSPER SOCIAL FINANCE CIC→ SC588686 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| PRYDIS WEALTH (SCOTLAND) LIMITED→ SC668715 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| RAUDS MORTGAGE SOLUTIONS LTD→ SC753447 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| RBK GROUP LTD→ SC726876 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| RBK WEALTH MANAGEMENT LTD→ SC194146 · est 1999 · no financials extracted | — | — | — | — | 27y | — | — |
| RBS COLLECTIVE INVESTMENT FUNDS LIMITED→ SC046694 · est 1969 · no financials extracted | — | — | — | — | 56y | — | — |
| RDM HOLDINGS LIMITED→ SC222453 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| REDDINGTON WEALTH MANAGEMENT LIMITED→ SC511663 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| RENTON WEALTH MANAGEMENT LTD→ SC666842 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated1998-02-27
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
28 Rutland Square
Edinburgh
EH1 2BW
Scotland
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2026-05-20
Last: 2025-05-06
Officers (2 active · 11 resigned)
CAMPBELL, Andrew Charles→
Activedirector · ~67y · appointed 2023-06-16
View their other companies + combined net worth →
SCOTT, Campbell→
Activedirector · ~65y · appointed 2016-04-29
View their other companies + combined net worth →
CRAIK, David Norman Murray→
Resignedsecretary · appointed 2009-08-21 · resigned 2016-04-29
CRAIK, David Norman Murray→
Resignedsecretary · appointed 1998-04-14 · resigned 1999-10-15
MIDDLETON, Sandra Elizabeth→
Resignednominee-secretary · appointed 1998-02-27 · resigned 1998-04-14
PRITCHARD, Judith Mary→
Resignedsecretary · appointed 2016-04-29 · resigned 2023-07-04
LC SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 2006-04-03 · resigned 2009-08-21
LEDINGHAM CHALMERS LLP→
Resignedcorporate-secretary · appointed 1999-10-15 · resigned 2006-04-03
CRAIK, David Norman Murray→
Resigneddirector · ~64y · appointed 1998-04-14 · resigned 1999-10-15
HARDY, Lorraine Mary→
Resigneddirector · ~58y · appointed 2016-04-29 · resigned 2025-04-17
HARVIE, Anthony John→
Resigneddirector · ~69y · appointed 1998-04-14 · resigned 2019-09-01
MCNIVEN, Alan Ross→
Resignednominee-director · ~76y · appointed 1998-02-27 · resigned 1998-04-14
WILSON, Stuart William→
Resigneddirector · ~64y · appointed 1998-04-14 · resigned 1999-10-15
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 18/09/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (102 total)
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-06
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-05-06
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-04-22
termination-director-company-with-name-termination-date
officers · TM01
2025-04-21
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-23
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-03-29
termination-secretary-company-with-name-termination-date
officers · TM02
2023-07-04
appoint-person-director-company-with-name-date
officers · AP01
2023-07-04
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-20