THE K.O.S.B. ASSOCIATION FUNDS

🌳Matureactive

SC241125 · private-limited-guarant-nsc-limited-exemption · incorporated 2002-12-13

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 · medium confidence

Mixed signals — 2 changes over 30 days, no clear direction yet.

· Hygiene score: 90 → 85
· Legal friction: moderate → low

What changed my view

Last 30 days

Mixed signals in the last 30 days — 1 improved, 1 worsened.

↓Hygiene score: 90 → 85
↑Legal friction: moderate → low

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 2025

Net worth

—

book net assets

Opportunity

78/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 71-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 71). 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

3 years of iXBRL accounts extracted + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

31 officers (8 active, 31 linked, 28 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

6 connected companies via shared directors

Filing history

100 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

3 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-12-31	2024-12-31	2023-12-31
Average employees	4	400	400

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

filings

• 1 officers
• 1 accounts

Last 90 days

filings

• 1 officers
• 1 accounts

Last 180 days

filings

• 1 officers
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (73 events)Click to expand

2026-06-18
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-06-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-06-08
➖
HOGG, Colin Grant Ogilvie, Lt.Col. resigned
director
2025-11-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-01
➕
ANGUS, Ronald Thomas Alexander appointed
director
2025-11-01
➕
CASTLE, John Mark appointed
director
2025-11-01
➕
SHANKLAND, Matthew appointed
director
2025-11-01
➕
WARD, Angus Robert appointed
director
2025-07-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-07-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-07-17
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2023-06-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-02
➖
STURROCK, David Percival resigned
secretary
2023-06-02
➖
GILLIE, John David resigned
director
2023-06-02
➖
STURROCK, David Percival resigned
director
2022-08-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-07-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-25
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-06-01
➖
EDLMANN, Richard Hugh resigned
director
2022-01-07
➕
GILLIE, John David appointed
director
2021-07-05
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-11-01
➕
HERBERTS, Andrew John David appointed
director
2019-11-01
➖
TWEEDIE, Jonathan Gordon resigned
director
2019-06-14
➖
ALSTEAD, Francis Allan Littlejohns resigned
director
2017-01-04
➕
HORSBURGH, Adam Grant, Major appointed
director
2014-05-23
➖
JACKSON, Andrew Conway resigned
director
2013-11-11
➕
COMBE, Russell Stewart appointed
director
2012-07-27
➕
EDLMANN, Richard Hugh appointed
director
2011-07-30
➕
LOUDON, Angus John, Colonel appointed
director
2011-07-30
➖
COOPER, John resigned
director
2011-07-30
➕
STURROCK, David Percival appointed
director
2011-05-21
➖
MACKAY, Andrew Douglas resigned
director
2011-05-21
➖
SANDERSON, Charles Russell, Lord resigned
director
2010-05-12
➕
HOGG, Colin Grant Ogilvie, Lt.Col. appointed
director
2010-05-12
➕
TWEEDIE, Jonathan Gordon appointed
director
2006-12-01
➖
AITKIN, John resigned
director
2006-12-01
➖
BRUCE, William resigned
director
2006-12-01
➖
DALKEITH, Richard Walter John, Earl Of resigned
director
2006-12-01
➖
FAIRWEATHER, Clive Bruce, Colonel resigned
director
2006-12-01
➕
JACKSON, Andrew Conway appointed
director
2006-12-01
➖
JEFFRIES, Robert, Lt Col resigned
director
2006-12-01
➕
MACKAY, Andrew Douglas appointed
director
2006-12-01
➖
PURVES, William, Sir resigned
director

Showing most recent 50 of 73 events

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-8 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

73/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 15 years.
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.)

🔒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
AMATI GLOBAL INVESTORS LIMITED→ SC199908 · est 1999	£8.90M £6.47M–£11.33M	—	—	2800	26y	84	66y
CS MANAGERS LTD→ SC231678 · est 2002	£1.50M £1.09M–£1.91M	—	—	1200	24y	86	77y
GBCP VII (GENERAL PARTNER) LIMITED→ SC253395 · est 2003 · no financials extracted	—	—	—	—	22y	83	62y
NOBLE GROSSART LIMITED→ SC046265 · est 1969 · no financials extracted	—	—	—	—	57y	83	72y
PAYPLAN (SCOTLAND) LIMITED→ SC400113 · est 2011 · no financials extracted	—	—	—	—	15y	83	61y
PREMIER COMMERCIAL LIMITED→ SC160330 · est 1995	—	—	£282.5k	—	30y	83	61y
RIA CAPITAL MARKETS LIMITED→ SC226461 · est 2001 · no financials extracted	—	—	—	—	24y	83	58y
SCOTIA WEALTH MANAGEMENT LTD.→ SC267795 · est 2004	—	—	—	1300	22y	83	58y
ALAN STEEL (ASSET MANAGEMENT) LIMITED→ SC058014 · est 1975	—	—	—	44	51y	82	62y
ALEX HAMMOND-CHAMBERS & COMPANY→ SC126819 · est 1990 · no financials extracted	—	—	—	—	35y	82	84y
BANDRON LIMITED→ SC082385 · est 1983	—	—	—	400	43y	82	71y
FAMILY & BUSINESS ASSURANCE (SERVICES) LIMITED→ SC347357 · est 2008	—	—	£50.9k	—	17y	82	67y

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

Typeprivate-limited-guarant-nsc-limited-exemption

Incorporated2002-12-13

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

8 St Ann's Place

Haddington

East Lothian

Scotland

EH41 4BS

Scotland

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-11-28

Last: 2025-11-14