GEORGE STUBBS INSURANCE SERVICES LIMITED
🌳Matureactive
SC177962 · ltd · incorporated 1997-08-14
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
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 72/100 (strong), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
8 live charges · 5 lenders · oldest 28.4y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 28.4 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)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
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
14 officers (3 active, 14 linked, 12 with DOB)
87
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
18 connected companies via shared directors
90
Filing history
117 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
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 officers
Last 90 days
1
filing
- • 1 officers
Last 180 days
6
filings
- • 4 mortgage
- • 1 officers
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (61 events)Click to expand
- 2026-03-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-26➕WEIR, Andrew Russell appointeddirector
- 2026-01-03📄accounts-with-accounts-type-fullaccounts · AA
- 2025-12-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-01🔓Charge satisfied #7
- 2025-12-01🔓Charge satisfied #6
- 2025-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-21🔒Charge registered #9Lender: Ares Management Limited
- 2025-11-21🔒Charge registered #8Lender: Ares Management Limited as Security Agent
- 2024-12-17📄accounts-with-accounts-type-fullaccounts · AA
- 2024-08-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-09➖STUBBS, George David resigneddirector
- 2023-11-29📄accounts-with-accounts-type-fullaccounts · AA
- 2023-08-31➖RUTHVEN, Alan William resigneddirector
- 2023-08-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-06-05📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-04-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-27📄resolutionresolution · RESOLUTIONS
- 2023-02-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-24🔒Charge registered #7Lender: Ares Management Limited
- 2023-02-24🔒Charge registered #6Lender: Ares Management Limited (05837428) as Security Agent
- 2023-01-05📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-01-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-01-01➕WRIGHT, Kathren appointeddirector
- 2022-09-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-08-18➖MCGREGOR, Michael Stewart resigneddirector
- 2022-08-18📄change-person-director-company-with-change-dateofficers · CH01
- 2022-08-18📄change-person-director-company-with-change-dateofficers · CH01
- 2022-08-18📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-06🔓Charge satisfied #5
- 2022-07-06🔓Charge satisfied #4
- 2022-07-06🔓Charge satisfied #2
- 2022-04-27➖STUBBS, Rhona resignedsecretary
- 2022-03-15🔓Charge satisfied #3
- 2021-04-28➕MCGREGOR, Michael Stewart appointeddirector
- 2019-09-02➕FLEMING, Sean Liam appointeddirector
- 2019-05-31➖NICOL, Kevin resigneddirector
- 2018-01-12➖MCGILL, Alasdair Iain resigneddirector
- 2018-01-12➕NICOL, Kevin appointeddirector
- 2015-04-13➕MCGILL, Alasdair Iain appointeddirector
- 2014-10-14➖STUBBS, Rhona resigneddirector
- 2014-09-25🔒Charge registered #5Lender: Clydesdale Bank PLC
- 2014-07-31➖RANKIN, David Mark resigneddirector
- 2005-05-09➕RANKIN, David Mark appointeddirector
- 2005-05-09➕RUTHVEN, Alan William appointeddirector
- 2004-08-31🔒Charge registered #4Lender: Clydesdale Bank Public Limited Company
- 1997-12-12🔒Charge registered #3Lender: Clydesdale Bank Public Limited Company
Showing most recent 50 of 61 events
Owner dependency
50/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Jmg Gi2 Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Jmg Gi2 Limited
Corporate parent · holds 75-100% shares · board control
⬇
GEORGE STUBBS INSURANCE SERVICES LIMITED
This company · SC177962
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Jmg Gi2 Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/07/2022 |
2 historic (ceased) PSCs
- Mr George David Stubbsceased 06/07/2022· significant influence
- Riverside Marketing (Scotland) Limitedceased 06/07/2022· 75-100% shares · 75-100% voting · board control
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
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|---|---|---|---|---|---|---|---|
| CRIEFF FINANCIAL & MORTGAGE CENTRE LIMITED→ SC330821 · est 2007 | — | — | — | 300 | 18y | 82 | 67y |
| BLACKFORD FINANCIAL SOLUTIONS LIMITED→ SC324569 · est 2007 | — | — | — | 200 | 18y | 80 | 58y |
| BRAIDS BRAWEST LIMITED→ SC244281 · est 2003 | — | — | — | — | 23y | 80 | 61y |
| DUPPLIN INVESTMENTS LIMITED→ SC480480 · est 2014 | — | — | — | 0 | 11y | 80 | 59y |
| HERITABLE LIMITED→ SC237615 · est 2002 | — | — | — | — | 23y | 80 | 73y |
| KAIM INVESTMENT COMPANY LIMITED→ SC020977 · est 1939 | — | — | — | 2 | 86y | 80 | 88y |
| BQI GROUP LIMITED→ SC306285 · est 2006 · no financials extracted | — | — | — | — | 19y | 79 | 60y |
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| DFS FINANCIAL CONSULTANCY LTD.→ SC504292 · est 2015 | — | — | — | 6 | 10y | 78 | 61y |
| MAGNUS MURRAY FAMILY SOLUTIONS LTD→ SC469908 · est 2014 | — | — | £88.1k | — | 12y | 78 | 58y |
| BON ACCORD BONDING COMPANY LIMITED→ SC028125 · est 1951 | — | — | £1.11M | — | 75y | 77 | 81y |
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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
Incorporated1997-08-14
Jurisdictionscotland
Primary SIC65120 — Non-life insurance
Registered office
South Inch Business Centre
Shore Road
Perth
Perthshire
PH2 8BW
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-28
Last: 2025-08-14
Officers (3 active · 11 resigned)
FLEMING, Sean Liam→
Activedirector · ~37y · appointed 2019-09-02
View their other companies + combined net worth →
WEIR, Andrew Russell→
Activedirector · ~42y · appointed 2026-03-26
View their other companies + combined net worth →
WRIGHT, Kathren→
Activedirector · ~54y · appointed 2023-01-01
View their other companies + combined net worth →
FOOT, Leigh→
Resignednominee-secretary · appointed 1997-08-14 · resigned 1997-08-14
STUBBS, Rhona→
Resignedsecretary · appointed 1997-08-14 · resigned 2022-04-27
MCGILL, Alasdair Iain→
Resigneddirector · ~57y · appointed 2015-04-13 · resigned 2018-01-12
MCGREGOR, Michael Stewart→
Resigneddirector · ~60y · appointed 2021-04-28 · resigned 2022-08-18
MCINTOSH, Susan→
Resignednominee-director · ~56y · appointed 1997-08-14 · resigned 1997-08-14
NICOL, Kevin→
Resigneddirector · ~59y · appointed 2018-01-12 · resigned 2019-05-31
RANKIN, David Mark→
Resigneddirector · ~52y · appointed 2005-05-09 · resigned 2014-07-31
RUTHVEN, Alan William→
Resigneddirector · ~67y · appointed 2005-05-09 · resigned 2023-08-31
STUBBS, George David→
Resigneddirector · ~61y · appointed 1997-08-14 · resigned 2024-07-09
STUBBS, Rhona→
Resigneddirector · ~61y · appointed 1997-08-14 · resigned 2014-10-14
TRAINER, Peter→
Resignednominee-director · ~74y · appointed 1997-08-14 · resigned 1997-08-14
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
2
Outstanding
2
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Ares Management Ares Management Limited | A registered charge | 1 property | 21/11/2025 | — | |
| outstanding | Ares Management as Security Agent Ares Management Limited as Security Agent | A registered charge | — | 21/11/2025 | — | |
| satisfied | Ares Management Ares Management Limited | A registered charge | — | 24/02/2023 | 01/12/2025 | |
| satisfied | Ares Management (05837428) as Security Agent Ares Management Limited (05837428) as Security Agent | A registered charge | — | 24/02/2023 | 01/12/2025 | |
| satisfied | Virgin Money Clydesdale Bank PLC | A registered charge | — | 25/09/2014 | 06/07/2022 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 31/08/2004 | 06/07/2022 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 12/12/1997 | 15/03/2022 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 13/11/1997 | 06/07/2022 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (117 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-03-31
accounts-with-accounts-type-full
accounts · AA
2026-01-03
mortgage-satisfy-charge-full
mortgage · MR04
2025-12-01
mortgage-satisfy-charge-full
mortgage · MR04
2025-12-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-14
accounts-with-accounts-type-full
accounts · AA
2024-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-15
termination-director-company-with-name-termination-date
officers · TM01
2024-08-13
accounts-with-accounts-type-full
accounts · AA
2023-11-29
termination-director-company-with-name-termination-date
officers · TM01
2023-08-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-22
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-06-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-03