KEN BINNIE FINANCIAL LIMITED

🌳Matureactive
SC244778 · ltd · incorporated 2003-02-27
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 8.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£253
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 66-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 8.2y

85/100
ready

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

  • · Oldest live charge is 8.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (70/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
61 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £253

Key financials

1 year extracted from filed iXBRL accounts
Cash
£23k
Net Worth
£253
Current Assets
£205k
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-09-30
Total assets£9.4k
Current assets£204.8k
Cash£23.2k
Debtors£181.7k
Net assets£253

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

🔒Filing-note intelligence

1 signal 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
1
filing
  • • 1 confirmation-statement
Last 90 days
2
filings
  • • 1 confirmation-statement
  • • 1 mortgage
Last 180 days
6
filings
  • • 3 persons-with-significant-control
  • • 1 confirmation-statement
  • • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2026-02-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  2. 2026-02-26
    🔓
    Charge satisfied #1
  3. 2025-12-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-11-04
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  5. 2025-11-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  6. 2025-11-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  7. 2025-10-08
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  8. 2025-03-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2024-02-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2023-03-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2022-03-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2021-04-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2020-03-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2019-03-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  15. 2018-03-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2018-02-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2018-02-01
    🔒
    Charge registered #1
    Lender: Metro Bank PLC
  18. 2018-01-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2004-03-01
    ➕
    BINNIE, Jacqueline Jamieson appointed
    director
  20. 2003-02-27
    🏢
    Company incorporated
    As KEN BINNIE FINANCIAL LIMITED
  21. 2003-02-27
    ➕
    BINNIE, Jacqueline Jamieson appointed
    secretary
  22. 2003-02-27
    ➕
    BINNIE, Kenneth Douglas appointed
    director

Owner dependency

100/100
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.
  • +Founder name in company name: Company name contains director surname "BINNIE" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 66 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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.)

Group structure

Kfb Associates Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Kfb Associates Ltd
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
KEN BINNIE FINANCIAL LIMITED
This company · SC244778

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Kfb Associates Ltd
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control29/10/2025
2 historic (ceased) PSCs
  • Mr Kenneth Douglas Binnieceased 29/10/2025· 50-75% shares · 50-75% voting
  • Mrs Jacqueline Jamieson Binnieceased 29/10/2025· 25-50% shares · 25-50% voting

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2003-02-27
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

32 Portland Road
Kilmarnock
Ayrshire
KA1 2DL
United Kingdom

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-03-13
Last: 2026-02-27

Officers (3 active · 0 resigned)

BINNIE, Jacqueline Jamieson→
secretary · appointed 2003-02-27
View their other companies + combined net worth →
Active
BINNIE, Jacqueline Jamieson→
director · ~60y · appointed 2004-03-01
View their other companies + combined net worth →
Active
BINNIE, Kenneth Douglas→
director · ~66y · appointed 2003-02-27
View their other companies + combined net worth →
Active

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
Metro Bank
Metro Bank PLC
A registered charge1 property01/02/201826/02/2026

Recent filings (61 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-03
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-10
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-11-04
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-11-04
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-11-04
change-account-reference-date-company-previous-extended
accounts · AA01
2025-10-08
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-27
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-23
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-27
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-01