KELVIN SMITH (INSURANCE BROKERS) LIMITED
🌳Matureactive
SC301532 · ltd · incorporated 2006-04-28
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 2025
Net worth
£3.48M
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 63-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (60/100, director aged 63). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · oldest 12.4y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 12.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
98 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £3,475,922
Cash YoY
-27%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£1.7m
↓ 27% YoY
Net Worth
£3.5m
↑ 18% YoY
Current Assets
£6.1m
↑ 25% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Total assets | £3.54M | £3.04M |
| Current assets | £6.05M | £4.83M |
| Cash | £1.72M | £2.35M |
| Debtors | £4.33M | £2.48M |
| Net assets | £3.48M | £2.95M |
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
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
- 2026-03-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-05-15📄change-person-director-company-with-change-dateofficers · CH01
- 2024-05-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-19🔓Charge satisfied #2
- 2023-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-10📄capital-allotment-sharescapital · SH01
- 2022-05-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-05-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-05-01➕GARDNER, Scott George appointeddirector
- 2022-05-01➕ROSS, Rena appointeddirector
- 2021-11-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-21📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2020-10-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-08-14➖MCGOUGAN, Angela resignedsecretary
- 2020-08-14➖MCGOUGAN, Angela resigneddirector
- 2019-12-18🔓Charge satisfied #1
- 2019-12-16🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2015-02-06➖HARPER, Graeme resigneddirector
- 2013-11-26🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2013-07-25➕HARPER, Graeme appointeddirector
- 2008-09-01➕MCGOUGAN, Angela appointeddirector
- 2006-04-28🏢Company incorporatedAs KELVIN SMITH (INSURANCE BROKERS) LIMITED
- 2006-04-28➕TRAVERS, Stephen Michael appointeddirector
- 2006-04-28➕MCGOUGAN, Angela appointedsecretary
- 2006-04-28➕BRIAN REID LTD. appointedcorporate-nominee-secretary
- 2006-04-28➖BRIAN REID LTD. resignedcorporate-nominee-secretary
- 2006-04-28➕STEPHEN MABBOTT LTD. appointedcorporate-nominee-director
- 2006-04-28➖STEPHEN MABBOTT LTD. resignedcorporate-nominee-director
Owner dependency
68/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
Succession & seller-readiness
73/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- secondary12+ year tenure: Director in role 20 years.
- secondaryStable-but-static management: Company is 20 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
cleanNo 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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stephen Michael Travers Individual · British · DOB 09/1963 · age 63 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/07/2016 |
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 →Similar companies
Active · Financial services · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CINNAMON GP4 LIMITED→ SC581651 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CITYPOINT WEALTH LIMITED→ SC055597 · est 1974 · no financials extracted | — | — | — | — | 51y | — | — |
| CK HOME HUB FINANCIAL SERVICES LIMITED→ SC629293 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CLYDE BERGEMANN PENSION (TRUSTEES) LIMITED→ SC222231 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| CLYDE BERGEMANN POWER GROUP INTERNATIONAL LIMITED→ SC188877 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| CLYDE BROKERS LIMITED→ SC419422 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| CONNECTIONS FINANCE LTD→ SC842423 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CONTRACT MORTGAGES LTD→ SC465654 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| COUNTRYWIDE EMPLOYEE BENEFITS LTD→ SC741646 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DC PREMIER WEALTH MANAGEMENT LIMITED→ SC441449 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| DEAN FLEMING CONSULTING LTD→ SC659665 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| DGL (GLASGOW) LTD→ SC338543 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
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
Incorporated2006-04-28
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
The Sinclair Building
18-20 Eagle Street
Glasgow
G4 9XA
Scotland
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-05-22
Last: 2025-05-08
Officers (3 active · 5 resigned)
GARDNER, Scott George→
Activedirector · ~45y · appointed 2022-05-01
View their other companies + combined net worth →
Active
TRAVERS, Stephen Michael→
Activedirector · ~63y · appointed 2006-04-28
View their other companies + combined net worth →
MCGOUGAN, Angela→
Resignedsecretary · appointed 2006-04-28 · resigned 2020-08-14
BRIAN REID LTD.→
Resignedcorporate-nominee-secretary · appointed 2006-04-28 · resigned 2006-04-28
HARPER, Graeme→
Resigneddirector · ~56y · appointed 2013-07-25 · resigned 2015-02-06
MCGOUGAN, Angela→
Resigneddirector · ~60y · appointed 2008-09-01 · resigned 2020-08-14
STEPHEN MABBOTT LTD.→
Resignedcorporate-nominee-director · appointed 2006-04-28 · resigned 2006-04-28
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 16/12/2019 | 19/02/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 26/11/2013 | 18/12/2019 |
Recent filings (98 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-08
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-24
change-person-director-company-with-change-date
officers · CH01
2024-05-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-15
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-04
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-10
capital-allotment-shares
capital · SH01
2022-06-10