B L T FINANCIAL SERVICES LIMITED

⚰️Wound downdissolved
SC223813 · ltd · incorporated 2001-10-01
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 22.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
64/100
Worth a look
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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 64/100 (worth a look), bankability 80/100. Strong seller-intent signal (65/100, director aged 59). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 22.8y

85/100
ready

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

  • · Oldest live charge is 22.8 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (56/100)

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
7 officers (2 active, 7 linked, 3 with DOB)
79
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
59 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
64/100Worth 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
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
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 (39 events)Click to expand
  1. 2018-05-22
    📄
    gazette-dissolved-voluntary
    gazette · GAZ2(A)
  2. 2018-05-22
    🏁
    Company dissolved
  3. 2018-03-06
    📄
    gazette-notice-voluntary
    gazette · GAZ1(A)
  4. 2018-02-22
    📄
    dissolution-application-strike-off-company
    dissolution · DS01
  5. 2017-11-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2017-08-09
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  7. 2017-07-10
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2016-10-25
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  9. 2015-10-19
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  10. 2015-10-19
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  11. 2015-02-13
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2015-02-13
    🔓
    Charge satisfied #1
  13. 2014-10-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2014-10-13
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2013-10-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2013-10-05
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2012-10-02
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  18. 2012-08-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  19. 2012-01-27
    📍
    change-registered-office-address-company-with-date-old-address
    address · AD01
  20. 2011-10-06
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  21. 2011-09-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  22. 2010-10-11
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  23. 2010-09-10
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  24. 2009-10-21
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  25. 2009-10-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  26. 2008-11-18
    ➕
    CHRISTIE, Beverley appointed
    secretary
  27. 2008-11-01
    ➖
    BLACK, Harris resigned
    secretary
  28. 2008-11-01
    ➖
    BLACK, Harris resigned
    director
  29. 2008-11-01
    ➖
    TOWNS, Michael Martin resigned
    director
  30. 2003-07-03
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  31. 2001-10-08
    ➕
    LAING, Gordon appointed
    director
  32. 2001-10-08
    ➕
    BLACK, Harris appointed
    secretary
  33. 2001-10-08
    ➖
    PF & S (SECRETARIES) LIMITED resigned
    corporate-nominee-secretary
  34. 2001-10-08
    ➕
    BLACK, Harris appointed
    director
  35. 2001-10-08
    ➕
    TOWNS, Michael Martin appointed
    director
  36. 2001-10-08
    ➖
    PF & S (DIRECTORS) LIMITED resigned
    corporate-nominee-director
  37. 2001-10-01
    🏢
    Company incorporated
    As B L T FINANCIAL SERVICES LIMITED
  38. 2001-10-01
    ➕
    PF & S (SECRETARIES) LIMITED appointed
    corporate-nominee-secretary
  39. 2001-10-01
    ➕
    PF & S (DIRECTORS) LIMITED appointed
    corporate-nominee-director

Owner dependency

93/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

85/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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

1 high ·
Company dissolved
high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2018-05-22

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Gordon Laing
Individual · British · DOB 04/1967 · age 59
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2001-10-01
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

20 Crossgate
Cupar
Fife
KY15 5HH

Filing status

Accounts
Next due: —
Last made up to: 2017-07-31
Confirmation statement
Next due: —
Last: —

Officers (0 active · 5 resigned)

CHRISTIE, Beverley→
secretary · appointed 2008-11-18
View their other companies + combined net worth →
Active
LAING, Gordon→
director · ~59y · appointed 2001-10-08
View their other companies + combined net worth →
Active
BLACK, Harris→
secretary · appointed 2001-10-08 · resigned 2008-11-01
Resigned
PF & S (SECRETARIES) LIMITED→
corporate-nominee-secretary · appointed 2001-10-01 · resigned 2001-10-08
Resigned
BLACK, Harris→
director · ~64y · appointed 2001-10-08 · resigned 2008-11-01
Resigned
TOWNS, Michael Martin→
director · ~62y · appointed 2001-10-08 · resigned 2008-11-01
Resigned
PF & S (DIRECTORS) LIMITED→
corporate-nominee-director · appointed 2001-10-01 · resigned 2001-10-08
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 Royal Bank of Scotland PLC
Bond & floating charge1 property03/07/200313/02/2015

Recent filings (59 total)

gazette-dissolved-voluntary
gazette · GAZ2(A)
2018-05-22
gazette-notice-voluntary
gazette · GAZ1(A)
2018-03-06
dissolution-application-strike-off-company
dissolution · DS01
2018-02-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2017-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2017-10-16
change-account-reference-date-company-previous-shortened
accounts · AA01
2017-08-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2017-07-10
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-10-25
confirmation-statement-with-updates
confirmation-statement · CS01
2016-10-14
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-10-19
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-10-19
mortgage-satisfy-charge-full
mortgage · MR04
2015-02-13
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-10-30
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-10-13
accounts-with-accounts-type-total-exemption-small
accounts · AA
2013-10-28