KYLE CONSULTING LIMITED

🌳Matureactive
SC253749 · ltd · incorporated 2003-08-04
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2025
Net worth
—
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 58). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (76/100)

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
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 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
81/100Exceptional
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
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£0Oct 2024Oct 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-10-312024-10-31

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
0
filings
Last 90 days
0
filings
Last 180 days
3
filings
  • • 1 officers
  • • 1 persons-with-significant-control
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2026-01-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-01-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2026-01-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-12-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-08-27
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2024-02-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-12-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-03-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-05-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2020-01-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2018-12-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2018-08-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2016-12-02
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-12-02
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-08-12
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2003-10-30
    ➕
    MALONE, Paul Thomas appointed
    director
  17. 2003-09-15
    ➖
    MALONE, Paul Thomas resigned
    director
  18. 2003-08-04
    🏢
    Company incorporated
    As KYLE CONSULTING LIMITED
  19. 2003-08-04
    ➕
    FINNIE, Stuart appointed
    secretary
  20. 2003-08-04
    ➕
    FINNIE, Stuart appointed
    director
  21. 2003-08-04
    ➕
    ACS SECRETARIES LIMITED appointed
    corporate-secretary
  22. 2003-08-04
    ➖
    ACS SECRETARIES LIMITED resigned
    corporate-secretary
  23. 2003-08-04
    ➕
    MALONE, Paul Thomas appointed
    director
  24. 2003-08-04
    ➕
    ACS NOMINEES LIMITED appointed
    corporate-director
  25. 2003-08-04
    ➖
    ACS NOMINEES LIMITED resigned
    corporate-director

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

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 23 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

76/100
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 58. Early succession window.
  • 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.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Paul Thomas Malone
Individual · British · DOB 05/1973 · age 53
25–50%
—25-50% shares04/08/2016
Mr Stuart Finnie
Individual · British · DOB 05/1968 · age 58
25–50%
—25-50% shares04/08/2016

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

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
Incorporated2003-08-04
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

9- 11 Hilton Terrace
Bishopbriggs
Glasgow
G64 3HB
Scotland

Filing status

Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2026-07-24
Last: 2025-07-10

Officers (3 active · 3 resigned)

FINNIE, Stuart→
secretary · appointed 2003-08-04
View their other companies + combined net worth →
Active
FINNIE, Stuart→
director · ~58y · appointed 2003-08-04
View their other companies + combined net worth →
Active
MALONE, Paul Thomas→
director · ~53y · appointed 2003-10-30
View their other companies + combined net worth →
Active
ACS SECRETARIES LIMITED→
corporate-secretary · appointed 2003-08-04 · resigned 2003-08-04
Resigned
MALONE, Paul Thomas→
director · ~53y · appointed 2003-08-04 · resigned 2003-09-15
Resigned
ACS NOMINEES LIMITED→
corporate-director · appointed 2003-08-04 · resigned 2003-08-04
Resigned

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

Recent filings (61 total)

change-person-director-company-with-change-date
officers · CH01
2026-01-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-28
accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-04
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-08-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-08
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-31
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-26
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-28
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-13