CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED
🌳Matureactive
SC200273 · ltd · incorporated 1999-09-27
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 17.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with exceptional profile and bankable structure.
Opportunity 83/100 (exceptional), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 17.4y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 17.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
9 officers (3 active, 9 linked, 6 with DOB)
83
Ownership & PSC
2 active PSC(s) of 5 total, 5 with control declared
90
Director network
26 connected companies via shared directors
90
Filing history
107 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.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
4
filings
- • 2 accounts
- • 2 other
Counts from Companies House filing history.
Corporate timeline (40 events)Click to expand
- 2025-12-31📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-12-31📄legacyaccounts · PARENT_ACC
- 2025-12-31📄legacyother · GUARANTEE2
- 2025-12-31📄legacyother · AGREEMENT2
- 2025-10-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-16➕ERASMUS, Matthew Robert appointeddirector
- 2025-10-16➕WRIGHT, Kathren appointeddirector
- 2024-12-18📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-12-18📄legacyaccounts · PARENT_ACC
- 2024-12-18📄legacyother · AGREEMENT2
- 2024-12-18📄legacyother · GUARANTEE2
- 2024-10-01📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-03-06📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2023-09-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-09-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-09-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-09-11➖MCARTHUR, Alexander resigneddirector
- 2023-09-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-05-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-04-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-04-20🔓Charge satisfied #1
- 2023-02-02📄capital-return-purchase-own-sharescapital · SH03
- 2022-12-29➖WEIR, Ian resigneddirector
- 2016-04-30➖REVILL, Kathleen Agnes resignedsecretary
- 2008-12-19➖REVILL, Alfred John resigneddirector
- 2008-11-24🔒Charge registered #1Lender: Royal Bank of Scotland PLC
- 2006-06-01➕WEIR, Ian appointeddirector
- 2005-01-01➕MCARTHUR, Alexander appointeddirector
- 1999-10-06➕MCGREGOR, Stuart Hunter appointeddirector
- 1999-10-06➕REVILL, Kathleen Agnes appointedsecretary
- 1999-10-06➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 1999-10-06➕REVILL, Alfred John appointeddirector
- 1999-10-06➖JORDANS (SCOTLAND) LIMITED resignedcorporate-nominee-director
- 1999-09-27🏢Company incorporatedAs CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED
- 1999-09-27➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 1999-09-27➕JORDANS (SCOTLAND) LIMITED appointedcorporate-nominee-director
Owner dependency
68/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- primary20+ year tenure: Director in role 27 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
2 corporate shareholders identified. Group structure is distributed.
🏛️significant stake
Greenwood Group Holdings Limited
Corporate parent · holds 25-50% shares
🏛️significant stake
Stufio Ltd
Corporate parent · holds 25-50% shares
⬇
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED
This company · SC200273
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Greenwood Group Holdings Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 11/09/2023 |
Stufio Ltd Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 17/05/2023 |
3 historic (ceased) PSCs
- Mr Alexander Mcarthurceased 11/09/2023· 25-50% shares
- Calcluth & Sangster (Glasgow) Limitedceased 17/05/2023· 25-50% shares · 25-50% voting
- Mr Stuart Hunter Mcgregorceased 06/04/2016· 25-50% 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 →Similar companies
Active · Financial services · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CINNAMON GP4 LIMITED→ SC581651 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CITYPOINT WEALTH LIMITED→ SC055597 · est 1974 · no financials extracted | — | — | — | — | 51y | — | — |
| CK HOME HUB FINANCIAL SERVICES LIMITED→ SC629293 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CLYDE BERGEMANN PENSION (TRUSTEES) LIMITED→ SC222231 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| CLYDE BERGEMANN POWER GROUP INTERNATIONAL LIMITED→ SC188877 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| CLYDE BROKERS LIMITED→ SC419422 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| CONNECTIONS FINANCE LTD→ SC842423 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CONTRACT MORTGAGES LTD→ SC465654 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| COUNTRYWIDE EMPLOYEE BENEFITS LTD→ SC741646 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DC PREMIER WEALTH MANAGEMENT LIMITED→ SC441449 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| DEAN FLEMING CONSULTING LTD→ SC659665 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| DGL (GLASGOW) LTD→ SC338543 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
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
Incorporated1999-09-27
Jurisdictionscotland
Primary SIC65120 — Non-life insurance
Registered office
Prospect House Hamilton International Technology Park
Blantyre
Glasgow
G72 0BN
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-11
Last: 2025-09-27
Officers (3 active · 6 resigned)
ERASMUS, Matthew Robert→
Activedirector · ~53y · appointed 2025-10-16
View their other companies + combined net worth →
MCGREGOR, Stuart Hunter→
Activedirector · ~59y · appointed 1999-10-06
View their other companies + combined net worth →
WRIGHT, Kathren→
Activedirector · ~54y · appointed 2025-10-16
View their other companies + combined net worth →
REVILL, Kathleen Agnes→
Resignedsecretary · appointed 1999-10-06 · resigned 2016-04-30
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 1999-09-27 · resigned 1999-10-06
MCARTHUR, Alexander→
Resigneddirector · ~66y · appointed 2005-01-01 · resigned 2023-09-11
REVILL, Alfred John→
Resigneddirector · ~82y · appointed 1999-10-06 · resigned 2008-12-19
WEIR, Ian→
Resigneddirector · ~75y · appointed 2006-06-01 · resigned 2022-12-29
JORDANS (SCOTLAND) LIMITED→
Resignedcorporate-nominee-director · appointed 1999-09-27 · resigned 1999-10-06
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Floating charge | 1 property | 24/11/2008 | 20/04/2023 |
Recent filings (107 total)
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-12-31
legacy
accounts · PARENT_ACC
2025-12-31
legacy
other · GUARANTEE2
2025-12-31
legacy
other · AGREEMENT2
2025-12-31
appoint-person-director-company-with-name-date
officers · AP01
2025-10-20
appoint-person-director-company-with-name-date
officers · AP01
2025-10-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-30
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-12-18
legacy
accounts · PARENT_ACC
2024-12-18
legacy
other · AGREEMENT2
2024-12-18
legacy
other · GUARANTEE2
2024-12-18
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-02
change-person-director-company-with-change-date
officers · CH01
2024-10-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-04
change-account-reference-date-company-current-extended
accounts · AA01
2024-03-06