CHURCH OF SCOTLAND INSURANCE SERVICES LIMITED

🌳Matureactive
SC001777 · ltd · incorporated 1888-10-01
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 32.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
69/100
Strong
🔔
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 69/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: strategic trade sale (48/100).

🏦

Refinance opportunity

1 live charge · oldest 32.2y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 32.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 38/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (57/100)

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
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
28 officers (3 active, 28 linked, 25 with DOB)
88
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
162 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
2
filings
  • • 2 officers
Last 180 days
2
filings
  • • 2 officers
Counts from Companies House filing history.
Corporate timeline (63 events)Click to expand
  1. 2026-03-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  2. 2026-03-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  3. 2025-12-31
    ➖
    LINNELL, Andrew John resigned
    director
  4. 2025-12-31
    ➖
    ROBERTS, Kevin resigned
    director
  5. 2025-07-02
    📄
    accounts-with-accounts-type-small
    accounts · AA
  6. 2025-06-20
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2025-05-14
    ➖
    TOD, Angus Menzies Ross resigned
    director
  8. 2024-06-21
    📄
    accounts-with-accounts-type-full
    accounts · AA
  9. 2023-05-03
    📄
    accounts-with-accounts-type-full
    accounts · AA
  10. 2022-09-06
    📄
    accounts-with-accounts-type-full
    accounts · AA
  11. 2022-07-25
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2022-06-23
    ➖
    PATERSON, Ford Ian resigned
    director
  13. 2021-04-29
    📄
    accounts-with-accounts-type-full
    accounts · AA
  14. 2020-12-11
    📄
    accounts-with-accounts-type-full
    accounts · AA
  15. 2019-05-09
    📄
    accounts-with-accounts-type-full
    accounts · AA
  16. 2019-01-09
    📄
    resolution
    resolution · RESOLUTIONS
  17. 2018-12-14
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2018-11-07
    ➕
    CLARKSON, Barry Joseph appointed
    director
  19. 2018-04-24
    📄
    accounts-with-accounts-type-full
    accounts · AA
  20. 2017-03-29
    📄
    accounts-with-accounts-type-full
    accounts · AA
  21. 2016-04-14
    📄
    accounts-with-accounts-type-full
    accounts · AA
  22. 2015-05-05
    ➖
    MACALDOWIE, John Kenneth, Dr resigned
    director
  23. 2014-10-01
    ➕
    CHIENE + TAIT LLP appointed
    corporate-secretary
  24. 2014-10-01
    ➖
    CHIENE + TAIT resigned
    corporate-secretary
  25. 2012-05-09
    ➖
    BRUCE, Edward David resigned
    director
  26. 2012-05-09
    ➕
    ROBERTS, Kevin appointed
    director
  27. 2012-03-03
    ➖
    KING, Peter Fernie resigned
    director
  28. 2011-09-01
    ➕
    KENNEDY, Alan Ferguson Kyle appointed
    director
  29. 2010-08-10
    ➖
    MURPHY, Thomas Arnold resigned
    director
  30. 2010-05-07
    ➖
    TURNER, William Findlay resigned
    director
  31. 2008-08-05
    ➕
    LINNELL, Andrew John appointed
    director
  32. 2007-11-30
    ➕
    MURPHY, Thomas Arnold appointed
    director
  33. 2007-11-14
    ➖
    BOLAM, Simon resigned
    director
  34. 2007-05-01
    ➖
    CARNEGIE, William Traquair resigned
    director
  35. 2007-05-01
    ➕
    MACALDOWIE, John Kenneth, Dr appointed
    director
  36. 2006-10-31
    ➖
    RAMSAY, Douglas Tarbet resigned
    director
  37. 2006-10-31
    ➕
    TOD, Angus Menzies Ross appointed
    director
  38. 2006-05-04
    ➖
    BURNETT, Rupert Gavin resigned
    director
  39. 2006-05-04
    ➕
    KING, Peter Fernie appointed
    director
  40. 2005-07-26
    ➕
    BOLAM, Simon appointed
    director
  41. 2005-03-07
    ➖
    NICHOLSON, John James resigned
    director
  42. 2004-10-06
    ➕
    TURNER, William Findlay appointed
    director
  43. 2004-04-27
    ➖
    CARSWELL, William Steven resigned
    director
  44. 2001-10-09
    ➕
    PATERSON, Ford Ian appointed
    director
  45. 2001-03-20
    ➖
    DEAS, James Murray resigned
    director
  46. 2001-01-23
    ➖
    MCKINNON, David Douglas resigned
    director
  47. 1999-10-26
    ➕
    NICHOLSON, John James appointed
    director
  48. 1998-10-22
    ➕
    RAMSAY, Douglas Tarbet appointed
    director
  49. 1998-05-13
    ➖
    THOMSON, Allan Joss resigned
    director
  50. 1996-04-01
    ➕
    CHIENE + TAIT appointed
    corporate-secretary
Showing most recent 50 of 63 events

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

84/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 15 years.
  • secondaryStable-but-static management: Company is 138 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 high · 1 med ·
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-04-15

3 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: LINNELL, Andrew John resigned 2025-12-31; ROBERTS, Kevin resigned 2025-12-31; TOD, Angus Menzies Ross resigned 2025-05-14

Group structure

Church Of Scotland General Trustees is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Church Of Scotland General Trustees
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
CHURCH OF SCOTLAND INSURANCE SERVICES LIMITED
This company · SC001777

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
Church Of Scotland General Trustees
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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 →

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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
Incorporated1888-10-01
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

121 George Street
Edinburgh
EH2 4YN
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-04-15OVERDUE
Last: 2025-04-01

Officers (3 active · 25 resigned)

CHIENE + TAIT LLP→
corporate-secretary · appointed 2014-10-01
View their other companies + combined net worth →
Active
CLARKSON, Barry Joseph→
director · ~61y · appointed 2018-11-07
View their other companies + combined net worth →
Active
KENNEDY, Alan Ferguson Kyle→
director · ~71y · appointed 2011-09-01
View their other companies + combined net worth →
Active
CHIENE + TAIT→
corporate-secretary · appointed 1996-04-01 · resigned 2014-10-01
Resigned
SCOTT OSWALD & CO→
corporate-secretary · resigned 1996-04-01
Resigned
BOLAM, Simon→
director · ~84y · appointed 2005-07-26 · resigned 2007-11-14
Resigned
BRUCE, Edward David→
director · ~90y · appointed 1991-01-09 · resigned 2012-05-09
Resigned
BURNETT, Rupert Gavin→
director · ~87y · appointed 1996-03-26 · resigned 2006-05-04
Resigned
CARNEGIE, William Traquair→
director · ~90y · resigned 2007-05-01
Resigned
CARSWELL, William Steven→
director · ~97y · appointed 1994-04-20 · resigned 2004-04-27
Resigned
DARLING, Thomas Young→
director · ~104y · resigned 1995-06-24
Resigned
DEAS, James Murray→
director · ~97y · appointed 1992-03-18 · resigned 2001-03-20
Resigned
HOBDEN, Eric William→
director · ~103y · resigned 1993-03-17
Resigned
KING, Peter Fernie→
director · ~83y · appointed 2006-05-04 · resigned 2012-03-03
Resigned
LINNELL, Andrew John→
director · ~73y · appointed 2008-08-05 · resigned 2025-12-31
Resigned
MACALDOWIE, John Kenneth, Dr→
director · ~82y · appointed 2007-05-01 · resigned 2015-05-05
Resigned
MARTIN, Robert Moncrieff→
director · ~90y · resigned 1993-08-11
Resigned
MCKINNON, David Douglas→
director · ~100y · appointed 1992-03-18 · resigned 2001-01-23
Resigned
MURPHY, Thomas Arnold→
director · ~60y · appointed 2007-11-30 · resigned 2010-08-10
Resigned
NICHOLSON, John James→
director · ~73y · appointed 1999-10-26 · resigned 2005-03-07
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Pool Reinsurance Company
Pool Reinsurance Company Limited
Memorandum of deposit and charge and escrow agreement2 properties25/02/1994—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (162 total)

termination-director-company-with-name-termination-date
officers · TM01
2026-03-06
termination-director-company-with-name-termination-date
officers · TM01
2026-03-06
accounts-with-accounts-type-small
accounts · AA
2025-07-02
termination-director-company-with-name-termination-date
officers · TM01
2025-06-20
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-11
accounts-with-accounts-type-full
accounts · AA
2024-06-21
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-11
accounts-with-accounts-type-full
accounts · AA
2023-05-03
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-11
accounts-with-accounts-type-full
accounts · AA
2022-09-06
termination-director-company-with-name-termination-date
officers · TM01
2022-07-25
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-08
accounts-with-accounts-type-full
accounts · AA
2021-04-29
confirmation-statement-with-updates
confirmation-statement · CS01
2021-04-13
accounts-with-accounts-type-full
accounts · AA
2020-12-11