B.P.D. SOLUTIONS LTD

💤Zombieactive

SC396317 · ltd · incorporated 2011-03-25

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 Jun 2025

Net worth

£2

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

Pursue

Asset-holding vehicle with a 66-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 66). 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 (78/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

1 officers (1 active, 1 linked, 1 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

32 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £2

Very low cash

Cash position: £2

Key financials

2 years extracted from filed iXBRL accounts

Cash

£2

Net Worth

£2

Current Assets

£2

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-06-30	2024-06-30
Total assets	£2	—
Current assets	£2	—
Cash	£2	—
Net assets	£2	—

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

filing

• 1 confirmation-statement

Last 90 days

filings

• 1 confirmation-statement
• 1 accounts

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (17 events)Click to expand

2026-02-11
📄
accounts-with-accounts-type-dormant
accounts · AA
2025-01-29
📄
accounts-with-accounts-type-dormant
accounts · AA
2024-01-25
📄
accounts-with-accounts-type-dormant
accounts · AA
2023-01-22
📄
accounts-with-accounts-type-dormant
accounts · AA
2022-01-31
📄
accounts-with-accounts-type-dormant
accounts · AA
2021-02-09
📄
accounts-with-accounts-type-dormant
accounts · AA
2020-03-24
📄
accounts-with-accounts-type-dormant
accounts · AA
2019-03-20
📄
accounts-with-accounts-type-dormant
accounts · AA
2018-05-15
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2017-12-05
📄
accounts-with-accounts-type-dormant
accounts · AA
2017-03-06
📄
accounts-with-accounts-type-dormant
accounts · AA
2016-04-05
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-11-29
📄
accounts-with-accounts-type-dormant
accounts · AA
2015-04-09
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-11-24
📄
accounts-with-accounts-type-dormant
accounts · AA
2011-03-25
🏢
Company incorporated
As B.P.D. SOLUTIONS LTD
2011-03-25
➕
BINNIE, Kenneth Douglas appointed
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 15 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 66 — succession pressure is live.
+No director turnover: Company is 15 years old with no director changes — suggests a very tight-knit founder team never broadened.

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 66. 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 15 years.
secondaryStable-but-static management: Company is 15 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

Name	Shares	Voting rights	Nature of control	Notified
Mr Kenneth Douglas Binnie Individual · British · DOB 05/1960 · age 66	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Mrs Jacqueline Jamieson Binnie Individual · British · DOB 11/1966 · age 60	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Financial services · KA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
CHRISTIE FINANCIAL PLANNING LIMITED→ SC189743 · est 1998	—	—	£162.2k	—	27y	82	65y
JMC FINANCIAL SERVICES LIMITED→ SC245180 · est 2003	—	—	£17.1k	—	23y	82	58y
KEN BINNIE FINANCIAL LIMITED→ SC244778 · est 2003	—	—	£253	—	23y	82	66y
PACIFIC SHELF 1272 LIMITED→ SC267459 · est 2004	—	—	—	1	21y	82	77y
A G FINANCE (SCOTLAND) LIMITED→ SC281499 · est 2005	—	—	—	11	21y	80	64y
ACMCA LIMITED→ SC234784 · est 2002	—	—	£19.7k	—	23y	80	71y
ALAN R. MACKAY & COMPANY LIMITED→ SC114821 · est 1988	—	—	—	37	37y	80	58y
AYRSHIRE FINANCIAL SERVICES LTD.→ SC209344 · est 2000	—	—	£85.3k	—	25y	80	60y
DAVID MUNRO FINANCIAL SERVICES LIMITED→ SC350315 · est 2008	—	—	£47.9k	—	17y	80	62y
JIM WYLIE MORTGAGE & FINANCIAL SERVICES LIMITED→ SC246054 · est 2003	—	—	£180.3k	—	23y	80	62y
KEN NAIRN LTD→ SC394820 · est 2011	—	—	£178.0k	—	15y	80	62y
ONE INGRAM FINANCE LTD→ SC555330 · est 2017 · no financials extracted	—	—	—	—	9y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2011-03-25

Jurisdictionscotland

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

11c Gatehead Road

Crosshouse

Kilmarnock

KA2 0HN

Scotland

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2027-04-08

Last: 2026-03-25

Officers (1 active · 0 resigned)

BINNIE, Kenneth Douglas→

director · ~66y · appointed 2011-03-25

View their other companies + combined net worth →

Active

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