GATEWAY INSURANCE SERVICES LIMITED
🌳Matureactive
SC499166 · ltd · incorporated 2015-02-27
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 2025
Net worth
£51.6k
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. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (79/100)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 (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
33 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 102Positive net assets
Net assets £51,640
Key financials
2 years extracted from filed iXBRL accountsCash
£22k
Net Worth
£52k
Current Assets
£237k
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Total assets | £146.5k | — |
| Current assets | £236.6k | — |
| Cash | £21.5k | — |
| Debtors | £215.0k | — |
| Net assets | £51.6k | — |
| Average employees | — | 300 |
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 (21 events)Click to expand
- 2025-11-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-02-25📄change-person-secretary-company-with-change-dateofficers · CH03
- 2020-02-25📄change-person-director-company-with-change-dateofficers · CH01
- 2019-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-10-10➕MCCALLUM, Hollie appointeddirector
- 2017-10-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2017-10-10📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2017-10-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2017-08-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-02-07➖CREASE, Michelle resigneddirector
- 2015-11-01➕CREASE, Michelle appointeddirector
- 2015-02-27🏢Company incorporatedAs GATEWAY INSURANCE SERVICES LIMITED
- 2015-02-27➕MCCALLUM, Gareth appointedsecretary
- 2015-02-27➕MCCALLUM, Gareth appointeddirector
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
41/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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 |
|---|---|---|---|---|
Mr Gareth Mccallum Individual · Scottish · DOB 10/1985 · age 41 | 75–100% | — | 75-100% shares | 06/04/2016 |
1 historic (ceased) PSC
- Mr Gareth Mccallumceased 06/04/2016· 50-75% shares
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 · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| GNATON CAPITAL LIMITED→ SC640601 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| HESSOND SOLUTION LIMITED→ SC454384 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| HN RETAILERS LTD→ SC816998 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| HOLLIS CAPITAL LIMITED→ SC385338 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| HOLLYPORT MANAGEMENT LIMITED→ SC306421 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| HOMETOWN MORTGAGES LIMITED→ SC872275 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HORIZON CAPITAL 2013 CIP LIMITED→ SC426394 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| HORIZON CAPITAL 2013 GENERAL PARTNER LIMITED→ SC426395 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| HORIZON SCOTLAND (GP) LIMITED→ SC593662 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| HOUSE OF SHIELDS FINANCIAL ADVICE LTD→ SC830950 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| HOWDEN SCOTLAND LIMITED→ SC207315 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| HOWDENGRANGE FINANCIAL SERVICES LIMITED→ SC407681 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2015-02-27
Jurisdictionscotland
Primary SIC65120 — Non-life insurance
Registered office
109/14 Swanston Road
Edinburgh
EH10 7DS
Scotland
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2026-06-12
Last: 2025-05-29
Officers (3 active · 1 resigned)
Active
MCCALLUM, Gareth→
Activedirector · ~41y · appointed 2015-02-27
View their other companies + combined net worth →
MCCALLUM, Hollie→
Activedirector · ~38y · appointed 2017-10-10
View their other companies + combined net worth →
CREASE, Michelle→
Resigneddirector · ~42y · appointed 2015-11-01 · resigned 2017-02-07
Click a director name to see their full track record across all companies.
Recent filings (33 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-27
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-11
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-05-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-10
accounts-with-accounts-type-micro-entity
accounts · AA
2020-11-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-27
change-person-secretary-company-with-change-date
officers · CH03
2020-02-25