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.
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 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 7.9y

45/100
under pressure

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

  • · Oldest live charge is 7.9 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
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
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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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