OSPREY FINANCIAL SERVICES LTD

💤Zombieactive
SC363687 · ltd · incorporated 2009-08-07
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.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

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

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
78/100
Strong
🔔
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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 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, 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 (74/100)

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
Confirmed no charges registered
85
Directors & officers
5 officers (1 active, 5 linked, 4 with DOB)
86
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
54 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

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

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-31
Average employees200

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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-09-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-06-11
    📄
    memorandum-articles
    incorporation · MA
  3. 2025-06-11
    📄
    resolution
    resolution · RESOLUTIONS
  4. 2024-03-14
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  5. 2024-03-14
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  6. 2024-03-08
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  7. 2024-03-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2024-03-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2024-03-08
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  10. 2024-03-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2024-03-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2024-02-14
    ➕
    DALZELL, Paul Irvine appointed
    director
  13. 2024-02-14
    ➖
    SMITH, Angela resigned
    secretary
  14. 2024-02-14
    ➖
    SMITH, Angela resigned
    director
  15. 2024-02-14
    ➖
    SMITH, Michael resigned
    director
  16. 2023-11-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2023-05-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2022-05-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2021-05-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2020-05-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2019-03-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2016-05-01
    ➕
    SMITH, Angela appointed
    director
  23. 2013-08-01
    ➕
    SMITH, Angela appointed
    secretary
  24. 2013-08-01
    ➖
    NEILLIE, Alexander resigned
    director
  25. 2009-08-07
    🏢
    Company incorporated
    As OSPREY FINANCIAL SERVICES LTD
  26. 2009-08-07
    ➕
    NEILLIE, Alexander appointed
    director
  27. 2009-08-07
    ➕
    SMITH, Michael appointed
    director

Owner dependency

90/100
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.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

65/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

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.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Milecross Financial (Scotland) Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Milecross Financial (Scotland) Ltd
Corporate parent · holds 75-100% shares
ultimate parent
⬇
OSPREY FINANCIAL SERVICES LTD
This company · SC363687

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Milecross Financial (Scotland) Ltd
Corporate entity
75–100%
75–100%75-100% shares · 75-100% voting14/02/2024
2 historic (ceased) PSCs
  • Mrs Angela Smithceased 14/02/2024· 75-100% shares · 75-100% voting · board control
  • Mr Michael Smithceased 27/02/2019· 75-100% shares · 75-100% voting · board control · significant influence

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 · ML postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
ARDMORE FINANCIAL PLANNING LIMITED→
SC363882 · est 2009
———80016y8358y
THE MORTGAGE HUB LIMITED→
SC307419 · est 2006
——£390.2k—19y8359y
ARCHIBALD MACINNES AND COMPANY LIMITED→
SC031316 · est 1956
——£1.24M—70y8276y
MORTGAGE INFORMATION CENTRE LIMITED→
SC233257 · est 2002
——£14.1k—24y8266y
A.J. OPTIONS LIMITED→
SC229017 · est 2002
———40024y8070y
ANNIE DUNCAN LTD.→
SC289895 · est 2005
——£524—20y8068y
AVETON GIFFORD ASSOCIATES LIMITED→
SC268741 · est 2004
——£348.5k—22y8067y
DAVID DOUGAN FINANCIAL SERVICES LIMITED→
SC350319 · est 2008
——£30.5k—17y8066y
EXECUTIVE BENEFIT SERVICES (U.K.) LIMITED→
SC054039 · est 1973 · no financials extracted
————52y8071y
EXECUTIVE FINANCIAL SERVICES LIMITED→
SC280840 · est 2005
——£298.8k—21y8073y
F. P. BREEN LIMITED→
SC244307 · est 2003
——£2.2k—23y8060y
H.B. MORTGAGE SOLUTIONS LTD.→
SC304331 · est 2006
——£15.9k—19y8063y
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
Incorporated2009-08-07
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Unit 36 Coatbridge Business Centre
204 Main Street
Coatsbridge
ML5 3RB
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-12
Last: 2026-02-26

Officers (1 active · 4 resigned)

DALZELL, Paul Irvine→
director · ~67y · appointed 2024-02-14
View their other companies + combined net worth →
Active
SMITH, Angela→
secretary · appointed 2013-08-01 · resigned 2024-02-14
Resigned
NEILLIE, Alexander→
director · ~68y · appointed 2009-08-07 · resigned 2013-08-01
Resigned
SMITH, Angela→
director · ~72y · appointed 2016-05-01 · resigned 2024-02-14
Resigned
SMITH, Michael→
director · ~74y · appointed 2009-08-07 · resigned 2024-02-14
Resigned

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

Recent filings (54 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-26
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-15
memorandum-articles
incorporation · MA
2025-06-11
resolution
resolution · RESOLUTIONS
2025-06-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-26
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-14
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-14
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-03-14
termination-secretary-company-with-name-termination-date
officers · TM02
2024-03-08
termination-director-company-with-name-termination-date
officers · TM01
2024-03-08
termination-director-company-with-name-termination-date
officers · TM01
2024-03-08
change-account-reference-date-company-current-extended
accounts · AA01
2024-03-08
appoint-person-director-company-with-name-date
officers · AP01
2024-03-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-03-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-13