FAMILY & BUSINESS ASSURANCE (SERVICES) LIMITED

🌳Matureactive
SC347357 · ltd · incorporated 2008-08-20
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No material changes in the last 90 days.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2026
Net worth
£50.9k
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
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -43% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 8.2y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 8.2 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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
57 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 · accounting standard not declared
Positive net assets
Net assets £50,911
Cash draining
Cash down 43% YoY
Cash YoY
-43%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£32k
↓ 43% YoY
Net Worth
£51k
↑ 5.3% YoY
Current Assets
£43k
↓ 34% YoY
Current Liabilities
—
£0£13k£26k£39k£52k£65kFeb 2025Feb 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-02-282025-02-28
Total assets£193.1k£53.3k
Current assets£43.0k£65.0k
Cash£31.8k£55.3k
Debtors£10.5k£9.0k
Net assets£50.9k£48.3k

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2026-04-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-07-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-08-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2022-04-08
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2021-04-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-11-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2019-05-21
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2019-01-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  10. 2019-01-19
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2019-01-17
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  12. 2019-01-17
    📄
    resolution
    resolution · RESOLUTIONS
  13. 2019-01-15
    📄
    capital-allotment-shares
    capital · SH01
  14. 2019-01-15
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2018-12-11
    ➕
    CAMPBELL, Alexander Charles George appointed
    director
  16. 2018-06-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2018-06-05
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  18. 2018-05-24
    📄
    capital-cancellation-shares
    capital · SH06
  19. 2018-05-18
    ➖
    ABRAHAM, Colin James resigned
    secretary
  20. 2018-05-18
    ➖
    ABRAHAM, Colin James resigned
    director
  21. 2009-05-06
    ➕
    ABRAHAM, Colin James appointed
    secretary
  22. 2009-02-20
    ➕
    CAMPBELL, Andrew Charles appointed
    director
  23. 2008-08-20
    🏢
    Company incorporated
    As FAMILY & BUSINESS ASSURANCE (SERVICES) LIMITED
  24. 2008-08-20
    ➕
    ABRAHAM, Colin James appointed
    director

Owner dependency

91/100
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.
  • +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.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

79/100
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.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Andrew Charles Campbell
Individual · British · DOB 07/1959 · age 67
50–75%
25–50%50-75% shares · 50-75% voting06/04/2016
Mr Alexander Charles George Campbell
Individual · British · DOB 10/1995 · age 31
25–50%
—25-50% shares11/12/2018
1 historic (ceased) PSC
  • Mr Colin James Abrahamceased 18/05/2018· 25-50% shares · 25-50% voting

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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AMATI GLOBAL INVESTORS LIMITED→
SC199908 · est 1999
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——280026y8466y
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————23y8362y
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————15y8361y
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————41y8370y
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———4451y8262y
ALEX HAMMOND-CHAMBERS & COMPANY→
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————92y8271y
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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
Incorporated2008-08-20
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Forth House
28 Rutland Square
Edinburgh
EH1 2BW
Scotland

Filing status

Accounts
Next due: 2027-11-30
Last made up to: 2026-02-28
Confirmation statement
Next due: 2026-09-17
Last: 2025-09-03

Officers (2 active · 2 resigned)

CAMPBELL, Alexander Charles George→
director · ~31y · appointed 2018-12-11
View their other companies + combined net worth →
Active
CAMPBELL, Andrew Charles→
director · ~67y · appointed 2009-02-20
View their other companies + combined net worth →
Active
ABRAHAM, Colin James→
secretary · appointed 2009-05-06 · resigned 2018-05-18
Resigned
ABRAHAM, Colin James→
director · ~69y · appointed 2008-08-20 · resigned 2018-05-18
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—05/06/2018—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (57 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-08-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-04-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-11-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-17
confirmation-statement-with-updates
confirmation-statement · CS01
2019-09-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-05-21