SKB INDEPENDENT INSURANCE BROKERS LTD
💤Zombieactive
SC429020 · ltd · incorporated 2012-07-25
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 Jul 2024
Net worth
£5.2k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (65/100).
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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (1 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
44 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £5,189
Net assets shrinking
Down £243 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£5k
↓ 4.5% YoY
Current Assets
£36k
↑ 79% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-07-31 | 2023-07-31 |
|---|---|---|
| Total assets | £5.5k | £5.7k |
| Current assets | £36.1k | £20.2k |
| Net assets | £5.2k | £5.4k |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2025-03-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-12📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-09-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-07-17➖BREEZE, James Robert resigneddirector
- 2020-09-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-09-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-09-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-09-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-09-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-09-01➖BREEZE, Navpreet resigneddirector
- 2019-02-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-01-18✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2019-01-18✏️change-of-name-request-commentschange-of-name · NM06
- 2019-01-18📄resolutionresolution · RESOLUTIONS
- 2018-12-13➕BREEZE, Navpreet appointeddirector
- 2018-12-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-09-25➖BREEZE, Navpreet resigneddirector
- 2018-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-09-20➕BREEZE, Navpreet appointeddirector
- 2012-07-25🏢Company incorporatedAs SKB INDEPENDENT INSURANCE BROKERS LTD
- 2012-07-25➕BREEZE, Satvinder Kaur appointeddirector
- 2012-07-25➕BREEZE, James Robert appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
58/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo 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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Satvinder Kaur Breeze Individual · British · DOB 01/1973 · age 53 | 75–100% | — | 75-100% shares | 01/06/2016 |
1 historic (ceased) PSC
- Mr James Robert Breezeceased 05/06/2019· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
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|---|---|---|---|---|---|---|---|
| PLAN IT AND PROSPER LTD→ SC866683 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| RBS COLLECTIVE INVESTMENT FUNDS LIMITED→ SC046694 · est 1969 · no financials extracted | — | — | — | — | 56y | — | — |
| RENTON WEALTH MANAGEMENT LTD→ SC666842 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| SCOTSURE MBI LIMITED→ SC352229 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| SCOTTISH FUTURES TRUST INVESTMENTS LIMITED→ SC381388 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| SCOTTISH WIDOWS' FUND AND LIFE ASSURANCE SOCIETY→ SZ000002 · est 1983 · no financials extracted | — | — | — | — | 43y | — | — |
| SEEDCAMP VI (SCOT) LIMITED→ SC744406 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| SEVEN HILLS FINANCIAL PLANNING LTD→ SC723633 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| SHUTTERFLY INVESTMENTS LIMITED→ SC734733 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| SIS VENTURES LIMITED→ SC576272 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| SLIF PROPERTY INVESTMENT GP LIMITED→ SC388872 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| SNPG LTD→ SC397869 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
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
Incorporated2012-07-25
Jurisdictionscotland
Primary SIC65120 — Non-life insurance
Registered office
5 South Charlotte Street
Edinburgh
EH2 4AN
United Kingdom
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-07-31
Confirmation statement
Next due: 2026-09-23
Last: 2025-09-09
Officers (1 active · 3 resigned)
BREEZE, Satvinder Kaur→
Activedirector · ~53y · appointed 2012-07-25
View their other companies + combined net worth →
BREEZE, James Robert→
Resigneddirector · ~54y · appointed 2012-07-25 · resigned 2021-07-17
BREEZE, Navpreet→
Resigneddirector · ~30y · appointed 2018-12-13 · resigned 2019-09-01
BREEZE, Navpreet→
Resigneddirector · ~30y · appointed 2018-09-20 · resigned 2018-09-25
Click a director name to see their full track record across all companies.
Recent filings (44 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-26
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-19
change-person-director-company-with-change-date
officers · CH01
2023-04-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-04-12
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-16
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-22
confirmation-statement-with-updates
confirmation-statement · CS01
2021-09-14
termination-director-company-with-name-termination-date
officers · TM01
2021-08-17
confirmation-statement-with-updates
confirmation-statement · CS01
2020-09-22
accounts-with-accounts-type-micro-entity
accounts · AA
2020-09-09
accounts-with-accounts-type-micro-entity
accounts · AA
2019-09-24