ALAN R. MACKAY & COMPANY LIMITED

🌳Matureactive
SC114821 · ltd · incorporated 1988-11-29
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
80/100
Exceptional
🔔
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What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65202Non-life reinsurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), 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, 2 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
17 officers (3 active, 17 linked, 14 with DOB)
86
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
142 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Dec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Average employees373300

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
2
filings
  • • 1 confirmation-statement
  • • 1 officers
Last 180 days
6
filings
  • • 3 officers
  • • 2 persons-with-significant-control
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (47 events)Click to expand
  1. 2026-01-30
    📄
    replacement-filing-of-director-appointment-with-name
    officers · RP01AP01
  2. 2026-01-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-12-03
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-12-03
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2025-12-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2025-08-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-09-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-08-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-09-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-05-27
    📄
    memorandum-articles
    incorporation · MA
  11. 2022-05-27
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  12. 2022-05-27
    📄
    capital-name-of-class-of-shares
    capital · SH08
  13. 2022-05-27
    📄
    resolution
    resolution · RESOLUTIONS
  14. 2022-04-07
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2022-03-31
    ➖
    LAMBERT, Gloria resigned
    director
  16. 2021-08-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2020-11-30
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2020-03-31
    ➖
    WARNOCK, Ian Thom resigned
    director
  19. 2020-03-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2019-11-29
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  21. 2018-09-01
    ➕
    HENRY, Iain David appointed
    director
  22. 2017-04-10
    ➖
    WARNOCK, Anne resigned
    secretary
  23. 2016-07-01
    ➖
    MACKAY, Alan R resigned
    director
  24. 2008-10-01
    ➕
    LAMBERT, Gloria appointed
    director
  25. 2008-09-01
    ➖
    MACKAY, Janet C resigned
    secretary
  26. 2008-09-01
    ➕
    WARNOCK, Anne appointed
    secretary
  27. 2008-04-10
    ➖
    DILLETT, Lorraine resigned
    director
  28. 2006-11-17
    ➖
    SKINNER, Derek William resigned
    director
  29. 2004-02-19
    ➖
    MCGUIGAN, James resigned
    director
  30. 2004-01-01
    ➕
    SKINNER, Derek William appointed
    director
  31. 2003-11-27
    ➕
    DILLETT, Lorraine appointed
    director
  32. 2003-09-04
    ➖
    FITZGERALD, Leslie Gordon resigned
    director
  33. 2001-01-31
    ➕
    MACKAY, David Alan appointed
    director
  34. 2001-01-31
    ➕
    MCGUIGAN, James appointed
    director
  35. 2001-01-01
    ➕
    FITZGERALD, Karen appointed
    director
  36. 2000-12-31
    ➖
    BECKWITH, Duncan Murray resigned
    director
  37. 1999-09-09
    ➖
    COLQUHOUN, Samuel A resigned
    director
  38. 1997-06-01
    ➕
    FITZGERALD, Leslie Gordon appointed
    director
  39. 1994-11-01
    ➕
    BECKWITH, Duncan Murray appointed
    director
  40. 1994-11-01
    ➕
    WARNOCK, Ian Thom appointed
    director
  41. 1990-04-13
    ➖
    BRODIES WS resigned
    corporate-nominee-secretary
  42. 1990-04-13
    ➖
    CAMPBELL, Alistair Carnegie resigned
    director
  43. 1990-04-13
    ➖
    GUILD, David William Alan resigned
    nominee-director
  44. 1988-11-29
    🏢
    Company incorporated
    As ALAN R. MACKAY & COMPANY LIMITED
  45. 1988-11-29
    ➕
    BRODIES WS appointed
    corporate-nominee-secretary
  46. 1988-11-29
    ➕
    CAMPBELL, Alistair Carnegie appointed
    director
  47. 1988-11-29
    ➕
    GUILD, David William Alan appointed
    nominee-director

Owner dependency

83/100
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
  • +Founder name in company name: Company name contains director surname "MACKAY" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

70/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 37 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr David Alan Mackay
Individual · British · DOB 08/1971 · age 55
50–75%
50–75%board control50-75% shares · 50-75% 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

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
Incorporated1988-11-29
Jurisdictionscotland
Primary SIC65120 — Non-life insurance

Registered office

Mackay Corporate
Insurance Brokers
38 Miller Road, Ayr
Ayrshire
KA7 2AY

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-13
Last: 2025-11-29

Officers (3 active · 14 resigned)

FITZGERALD, Karen→
director · ~58y · appointed 2001-01-01
View their other companies + combined net worth →
Active
HENRY, Iain David→
director · ~57y · appointed 2018-09-01
View their other companies + combined net worth →
Active
MACKAY, David Alan→
director · ~55y · appointed 2001-01-31
View their other companies + combined net worth →
Active
MACKAY, Janet C→
secretary · resigned 2008-09-01
Resigned
WARNOCK, Anne→
secretary · appointed 2008-09-01 · resigned 2017-04-10
Resigned
BRODIES WS→
corporate-nominee-secretary · appointed 1988-11-29 · resigned 1990-04-13
Resigned
BECKWITH, Duncan Murray→
director · ~65y · appointed 1994-11-01 · resigned 2000-12-31
Resigned
CAMPBELL, Alistair Carnegie→
director · ~72y · appointed 1988-11-29 · resigned 1990-04-13
Resigned
COLQUHOUN, Samuel A→
director · ~92y · resigned 1999-09-09
Resigned
DILLETT, Lorraine→
director · ~63y · appointed 2003-11-27 · resigned 2008-04-10
Resigned
FITZGERALD, Leslie Gordon→
director · ~86y · appointed 1997-06-01 · resigned 2003-09-04
Resigned
GUILD, David William Alan→
nominee-director · ~73y · appointed 1988-11-29 · resigned 1990-04-13
Resigned
LAMBERT, Gloria→
director · ~64y · appointed 2008-10-01 · resigned 2022-03-31
Resigned
MACKAY, Alan R→
director · ~83y · resigned 2016-07-01
Resigned
MCGUIGAN, James→
director · ~76y · appointed 2001-01-31 · resigned 2004-02-19
Resigned
SKINNER, Derek William→
director · ~56y · appointed 2004-01-01 · resigned 2006-11-17
Resigned
WARNOCK, Ian Thom→
director · ~71y · appointed 1994-11-01 · resigned 2020-03-31
Resigned

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

Recent filings (142 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-02
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2026-01-30
change-person-director-company-with-change-date
officers · CH01
2026-01-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-03
change-person-director-company-with-change-date
officers · CH01
2025-12-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-31
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-20
memorandum-articles
incorporation · MA
2022-05-27
capital-variation-of-rights-attached-to-shares
capital · SH10
2022-05-27