24X2 INVESTMENTS LIMITED

🌳Matureactive
SC260211 · ltd · incorporated 2003-12-03
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 Dec 2024
Net worth
£397.9k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 62-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (80/100, director aged 62). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).

🏦

Refinance opportunity

12 live charges · 3 lenders · oldest 22.2y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 22.2 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

Data confidence

Overall: medium (73/100)

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
12 charges (12/12 with lender, 12/12 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 2 with DOB)
77
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
85 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
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £397,930

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
£398k
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2024-12-31
Total assets£397.9k
Net assets£397.9k

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
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Last 180 days
3
filings
  • • 1 confirmation-statement
  • • 1 accounts
  • • 1 address
Counts from Companies House filing history.
Corporate timeline (49 events)Click to expand
  1. 2026-02-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-11-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-09-13
    📄
    resolution
    resolution · RESOLUTIONS
  4. 2025-09-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2025-09-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2025-09-12
    📄
    administrative-restoration-company
    restoration · RT01
  7. 2024-02-13
    📄
    gazette-dissolved-compulsory
    gazette · GAZ2
  8. 2023-11-28
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  9. 2022-12-13
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  10. 2022-12-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2022-11-29
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  12. 2021-11-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2021-01-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2019-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2018-09-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2017-10-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2016-05-20
    🔓
    Charge satisfied #12
  18. 2016-05-20
    🔓
    Charge satisfied #6
  19. 2015-06-01
    🔓
    Charge satisfied #1
  20. 2014-05-29
    🔓
    Charge satisfied #11
  21. 2014-05-29
    🔓
    Charge satisfied #10
  22. 2014-05-29
    🔓
    Charge satisfied #9
  23. 2014-05-29
    🔓
    Charge satisfied #7
  24. 2011-06-14
    🔒
    Charge registered #12
    Lender: Clydesdale Bank PLC
  25. 2009-02-03
    🔓
    Charge satisfied #8
  26. 2008-12-04
    🔒
    Charge registered #11
    Lender: Clydesdale Bank PLC
  27. 2007-08-15
    🔒
    Charge registered #10
    Lender: Clydesdale Bank Public Limited Company
  28. 2007-07-24
    🔓
    Charge satisfied #5
  29. 2007-07-24
    🔓
    Charge satisfied #3
  30. 2007-07-24
    🔓
    Charge satisfied #2
  31. 2006-11-03
    🔒
    Charge registered #9
    Lender: Clydesdale Bank Public Limited Company
  32. 2006-11-03
    🔒
    Charge registered #8
    Lender: Clydesdale Bank Public Limited Company
  33. 2006-11-03
    🔒
    Charge registered #7
    Lender: Clydesdale Bank Public Limited Company
  34. 2006-10-27
    🔒
    Charge registered #6
    Lender: Clydesdale Bank Public Limited Company
  35. 2005-12-13
    🔒
    Charge registered #5
    Lender: The Royal Bank of Scotland PLC
  36. 2004-07-06
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  37. 2004-06-25
    ➕
    DAVIDSON, Isla Margaret appointed
    secretary
  38. 2004-06-24
    ➖
    ADDISON, Gary resigned
    secretary
  39. 2004-03-08
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  40. 2004-03-04
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  41. 2004-02-12
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  42. 2004-01-20
    ➕
    DAVIDSON, Isla Margaret appointed
    director
  43. 2004-01-12
    ➕
    ADDISON, Gary appointed
    secretary
  44. 2004-01-12
    ➖
    @UKPLC CLIENT SECRETARY LTD resigned
    corporate-nominee-secretary
  45. 2004-01-05
    ➕
    BUCHAN, Alastair appointed
    director
  46. 2004-01-05
    ➖
    @UKPLC CLIENT DIRECTOR LTD resigned
    corporate-nominee-director
  47. 2003-12-03
    🏢
    Company incorporated
    As 24X2 INVESTMENTS LIMITED
  48. 2003-12-03
    ➕
    @UKPLC CLIENT SECRETARY LTD appointed
    corporate-nominee-secretary
  49. 2003-12-03
    ➕
    @UKPLC CLIENT DIRECTOR LTD appointed
    corporate-nominee-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 22 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — 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 62. Early succession window.
  • 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 22 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 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Alistair Buchan
Individual · British · DOB 08/1964 · age 62
25–50%
—25-50% shares06/04/2016
Miss Isla Margaret Davidson
Individual · British · DOB 02/1970 · age 56
25–50%
—25-50% shares06/04/2016

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

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
Incorporated2003-12-03
Jurisdictionscotland
Primary SIC65110 — Life insurance

Registered office

10 Broad Street, Peterhead, Aberdeenshire
10 Broad Street
Peterhead
AB42 1BY
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-31
Last: 2025-12-17

Officers (3 active · 3 resigned)

DAVIDSON, Isla Margaret→
secretary · appointed 2004-06-25
View their other companies + combined net worth →
Active
BUCHAN, Alastair→
director · ~62y · appointed 2004-01-05
View their other companies + combined net worth →
Active
DAVIDSON, Isla Margaret→
director · ~56y · appointed 2004-01-20
View their other companies + combined net worth →
Active
ADDISON, Gary→
secretary · appointed 2004-01-12 · resigned 2004-06-24
Resigned
@UKPLC CLIENT SECRETARY LTD→
corporate-nominee-secretary · appointed 2003-12-03 · resigned 2004-01-12
Resigned
@UKPLC CLIENT DIRECTOR LTD→
corporate-nominee-director · appointed 2003-12-03 · resigned 2004-01-05
Resigned

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

Mortgages & charges

12
Total charges
1
Outstanding
1
Active lenders
Status:Lender:12 of 12 shown
TypeProperties
satisfied
Virgin Money
Clydesdale Bank PLC
Floating charge1 property14/06/201120/05/2016
satisfied
Virgin Money
Clydesdale Bank PLC
Standard security1 property04/12/200829/05/2014
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property15/08/200729/05/2014
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property03/11/200629/05/2014
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property03/11/200603/02/2009
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property03/11/200629/05/2014
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Bond & floating charge1 property27/10/200620/05/2016
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property13/12/200524/07/2007
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property06/07/2004—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property08/03/200424/07/2007
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property04/03/200424/07/2007
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property12/02/200401/06/2015
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (85 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-02
accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-13
resolution
resolution · RESOLUTIONS
2025-09-13
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-12
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-12
administrative-restoration-company
restoration · RT01
2025-09-12
gazette-dissolved-compulsory
gazette · GAZ2
2024-02-13
gazette-notice-compulsory
gazette · GAZ1
2023-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-13
gazette-filings-brought-up-to-date
gazette · DISS40
2022-12-13
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-12
gazette-notice-compulsory
gazette · GAZ1
2022-11-29