BRORA FINANCIAL SERVICES LTD.

💤Zombieactive
SC334344 · ltd · incorporated 2007-11-22
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£-4.4k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (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 (1 active, 6 linked, 2 with DOB)
77
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
46 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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £4,365
Very low cash
Cash position: £50
Cash YoY
+4900%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£50
↑ 4900% YoY
Net Worth
-£4k
↑ 5.2% YoY
Current Assets
—
Current Liabilities
—
-£5k-£4k-£3k-£2k-£881£50Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£-4.4k£-4.6k
Cash£50£1
Net assets£-4.4k£-4.6k

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
0
filings
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-12-19
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2024-12-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2023-12-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2022-12-21
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2021-12-24
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2020-12-15
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2019-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2018-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-02-13
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  10. 2018-02-13
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2018-02-13
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  12. 2018-02-09
    ➖
    CAMPBELL, Marie Lamont resigned
    secretary
  13. 2018-02-09
    ➖
    CAMPBELL, Marie Lamont resigned
    director
  14. 2017-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2016-12-07
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2016-06-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2015-12-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2009-10-01
    ➕
    CAMPBELL, Ian Robert appointed
    director
  19. 2008-01-14
    ➕
    CAMPBELL, Marie Lamont appointed
    secretary
  20. 2008-01-14
    ➕
    CAMPBELL, Marie Lamont appointed
    director
  21. 2007-11-22
    🏢
    Company incorporated
    As BRORA FINANCIAL SERVICES LTD.
  22. 2007-11-22
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-secretary
  23. 2007-11-22
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-secretary
  24. 2007-11-22
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-director
  25. 2007-11-22
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-director
  26. 2007-11-22
    ➕
    PETER TRAINER CORPORATE SERVICES LTD. appointed
    corporate-nominee-director
  27. 2007-11-22
    ➖
    PETER TRAINER CORPORATE SERVICES LTD. resigned
    corporate-nominee-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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

88/100
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 67. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 17 years.
  • secondaryStable-but-static management: Company is 18 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Ian Robert Campbell
Individual · British · DOB 01/1959 · age 67
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
1 historic (ceased) PSC
  • Mrs. Marie Lamont Campbellceased 09/02/2018· 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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BAILLIE WIND FARM COMMUNITY BENEFIT FUND→
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SC882582 · est 2026 · no financials extracted
———————
ORKNEY INSURANCE BROKERS LTD→
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————3y——
STEINBERG INVESTMENTS→
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2007-11-22
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

"Kilmuir"
Doll
Brora
Sutherland
KW9 6NJ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-06
Last: 2025-11-22

Officers (1 active · 5 resigned)

CAMPBELL, Ian Robert→
director · ~67y · appointed 2009-10-01
View their other companies + combined net worth →
Active
CAMPBELL, Marie Lamont→
secretary · appointed 2008-01-14 · resigned 2018-02-09
Resigned
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-secretary · appointed 2007-11-22 · resigned 2007-11-22
Resigned
CAMPBELL, Marie Lamont→
director · ~67y · appointed 2008-01-14 · resigned 2018-02-09
Resigned
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-director · appointed 2007-11-22 · resigned 2007-11-22
Resigned
PETER TRAINER CORPORATE SERVICES LTD.→
corporate-nominee-director · appointed 2007-11-22 · resigned 2007-11-22
Resigned

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

Recent filings (46 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-25
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-25
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-11-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-12-19