WHITEBRIDGE FINANCIAL SERVICES LTD

💤Zombieactive
SC540534 · ltd · incorporated 2016-07-18
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 2025
Net worth
£2.0k
book net assets
Opportunity
72/100
Strong
🔔
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 72/100 (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
2 officers (1 active, 2 linked, 2 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
32 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
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 · accounting standard not declared
Positive net assets
Net assets £2,015

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£2k
↑ 27% YoY
Current Assets
£96k
↓ 9.6% YoY
Current Liabilities
—
£0£21k£43k£64k£85k£107kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Total assets£61.4k£68.0k
Current assets£96.4k£106.6k
Net assets£2.0k£1.6k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

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 (21 events)Click to expand
  1. 2026-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-10-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-10-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2023-10-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2023-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-12-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2022-09-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2022-09-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2022-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2022-05-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2021-12-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2021-11-30
    ➖
    JAIN, Juhi resigned
    director
  15. 2021-11-30
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  16. 2021-02-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2020-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2019-08-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  19. 2017-08-01
    ➕
    JAIN, Juhi appointed
    director
  20. 2016-07-18
    🏢
    Company incorporated
    As WHITEBRIDGE FINANCIAL SERVICES LTD
  21. 2016-07-18
    ➕
    DINESH CHANDRA SAGAR, Kiran Kumar appointed
    director

Owner dependency

75/100
High — earn-out structure required

Material 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

45/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • 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.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Kiran Kumar Dinesh Chandra Sagar
Individual · British · DOB 07/1980 · age 46
75–100%
75–100%board control75-100% shares · 75-100% voting · board control18/07/2016
1 historic (ceased) PSC
  • Mrs Juhi Jainceased 30/11/2021· 25-50% shares · 25-50% voting

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

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@SIPP LIMITED→
SC217126 · est 2001
£37.09M
£26.97M–£47.20M
£10.21M—620025y8562y
FORWARD ASSET FINANCE LIMITED→
SC337979 · est 2008
£1.02M
£744.7k–£1.30M
——50018y8364y
COMMONWEALTH GAMES (SCOTLAND) ENDOWMENT FUND→
SC301214 · est 2006
£22.3k
£16.2k–£28.3k
——020y8366y
BLAIRSTON ENTERPRISES LIMITED→
SC368750 · est 2009
——£2.38M—16y8372y
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED→
SC200273 · est 1999 · no financials extracted
————26y8359y
FEMALE INDEPENDENT LTD.→
SC245607 · est 2003
——£20.0k—23y8366y
HARRY SMITH, LIMITED→
SC008622 · est 1913
——£1.66M—113y8358y
KELVIN SMITH (INSURANCE BROKERS) LIMITED→
SC301532 · est 2006
——£3.48M—20y8363y
MORTGAGE ADVICE BROKERAGE LTD→
SC336489 · est 2008
———150018y8358y
NITRON INVESTMENTS LIMITED→
SC047915 · est 1970
——£431.4k—55y8380y
TMW (COMMERCIAL) LIMITED→
SC781785 · est 2023 · no financials extracted
————2y——
WHEATLEY FUNDING NO. 2 LIMITED→
SC470001 · est 2014 · no financials extracted
————12y——
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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Available from the Pro tier upwards.

See pricing →
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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
Incorporated2016-07-18
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

6 Greenlaw Way
Newton Mearns
Glasgow
G77 6EF
Scotland

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-10-23
Last: 2025-10-09

Officers (1 active · 1 resigned)

DINESH CHANDRA SAGAR, Kiran Kumar→
director · ~46y · appointed 2016-07-18
View their other companies + combined net worth →
Active
JAIN, Juhi→
director · ~41y · appointed 2017-08-01 · resigned 2021-11-30
Resigned

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

Recent filings (32 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-21
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-30
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-09
change-person-director-company-with-change-date
officers · CH01
2023-10-09
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-12-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-13
change-person-director-company-with-change-date
officers · CH01
2022-09-13
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-30