HERITABLE LIMITED

🌳Matureactive
SC237615 · ltd · incorporated 2002-10-02
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 73-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 73). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (78/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
7 officers (3 active, 7 linked, 3 with DOB)
79
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
79 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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-06-302024-06-30

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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 (28 events)Click to expand
  1. 2025-07-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-08-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-08-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-09-07
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  5. 2022-08-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-04-22
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2021-08-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-08-26
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  9. 2020-12-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2020-08-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-08-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2018-09-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-10-15
    📍
    move-registers-to-sail-company-with-new-address
    address · AD03
  14. 2017-10-12
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  15. 2017-10-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2017-08-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2011-06-06
    ➕
    MCCALLUM, Catherine Isobel Edith appointed
    director
  18. 2010-06-01
    ➕
    MCCALLUM, Catherine Isobel Edith appointed
    secretary
  19. 2008-01-01
    ➖
    BOSWELL, David Lee resigned
    secretary
  20. 2006-04-15
    ➕
    BOSWELL, David Lee appointed
    secretary
  21. 2006-04-15
    ➖
    BLACKHARROW BUSINESS LAW resigned
    corporate-secretary
  22. 2003-12-01
    ➕
    MCCALLUM, Colin Fraser appointed
    director
  23. 2003-12-01
    ➖
    BLACK, Douglas Maclean resigned
    director
  24. 2002-10-02
    🏢
    Company incorporated
    As HERITABLE LIMITED
  25. 2002-10-02
    ➕
    BLACKHARROW BUSINESS LAW appointed
    corporate-secretary
  26. 2002-10-02
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  27. 2002-10-02
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  28. 2002-10-02
    ➕
    BLACK, Douglas Maclean appointed
    director

Owner dependency

91/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 73 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 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

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

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Colin Fraser Mccallum
Individual · British · DOB 02/1953 · age 73
——sig. influencesignificant influence06/04/2016

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

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
Incorporated2002-10-02
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

11, Upper Floor, Dunira Street
Comrie
Crieff
PH6 2LJ
Scotland

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-09-09
Last: 2025-08-26

Officers (3 active · 4 resigned)

MCCALLUM, Catherine Isobel Edith→
secretary · appointed 2010-06-01
View their other companies + combined net worth →
Active
MCCALLUM, Catherine Isobel Edith→
director · ~72y · appointed 2011-06-06
View their other companies + combined net worth →
Active
MCCALLUM, Colin Fraser→
director · ~73y · appointed 2003-12-01
View their other companies + combined net worth →
Active
BOSWELL, David Lee→
secretary · appointed 2006-04-15 · resigned 2008-01-01
Resigned
BLACKHARROW BUSINESS LAW→
corporate-secretary · appointed 2002-10-02 · resigned 2006-04-15
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2002-10-02 · resigned 2002-10-02
Resigned
BLACK, Douglas Maclean→
director · ~67y · appointed 2002-10-02 · resigned 2003-12-01
Resigned

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

Recent filings (79 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-28
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-28
change-sail-address-company-with-old-address-new-address
address · AD02
2022-09-07
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-27
change-sail-address-company-with-old-address-new-address
address · AD02
2021-08-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-27