LOSSIEMOUTH FISHERMEN'S BENEVOLENT ASSOCIATION LIMITED

🌳Matureactive

SC185887 · private-limited-guarant-nsc · incorporated 1998-05-19

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 May 2025

Net worth

£77.0k

book net assets

Opportunity

81/100

Exceptional

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What this business does

Primary activity: Life insurance

Sector: Financial & insurance

ALSO REGISTERED FOR

65120Non-life insurance

Investor take

Pursue

Asset-holding vehicle with a 81-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 81). 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

Lenders & charges

Confirmed no charges registered

Directors & officers

22 officers (9 active, 22 linked, 18 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

1 connected companies via shared directors

Filing history

102 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

81/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £76,990

Net assets shrinking

Down £9,495 YoY

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£77k

↓ 11% YoY

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-05-31	2024-05-31
Total assets	£77.0k	£86.5k
Net assets	£77.0k	£86.5k

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

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (56 events)Click to expand

2026-02-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-26
➖
MILNE, Scott resigned
director
2025-05-26
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-05-26
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-05-26
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-05-26
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-15
➕
MCCRACKEN, John Andrew appointed
director
2025-02-15
➕
RALPH, John William appointed
director
2024-10-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-06-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-06-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-06-02
➖
SMITH, William resigned
director
2023-12-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-21
➕
CAMPBELL, Hendry Murray appointed
director
2023-10-21
➕
MAIN, David appointed
director
2023-09-02
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2023-08-08
📄
gazette-notice-compulsory
gazette · GAZ1
2022-10-25
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-13
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-08-17
📄
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2021-08-17
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2021-07-27
📄
gazette-notice-compulsory
gazette · GAZ1
2020-06-16
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-09-01
➖
BREMNER, James Kinnaird resigned
director
2018-12-01
➖
SMITH, Alexander David resigned
director
2018-11-24
➕
CAMPBELL, Andrew appointed
secretary
2018-11-24
➕
MCKENZIE, John appointed
director
2018-11-24
➕
MILNE, Scott appointed
director
2018-10-24
➖
SCOTT, John Sutherland resigned
secretary
2018-10-19
➖
SCOTT, John Sutherland resigned
director
2015-06-01
➕
CAMPBELL, Alec appointed
director
2015-06-01
➕
STEWART, George appointed
director
2010-09-10
➕
MILNE, Alistair appointed
director
2010-09-10
➕
SMITH, Alexander David appointed
director
2010-07-19
➖
SCOTT, Cyril Alexander resigned
director
2008-11-19
➖
JONES, Stewart Graham resigned
director
2007-12-31
➖
REID, James resigned
director
2001-12-28
➖
GREGSON, Kenneth Michael Reed resigned
director
2000-08-16
➕
REID, James appointed
director
1998-12-28
➖
MACLEOD, Alexander Wallace resigned
director
1998-05-19
🏢
Company incorporated
As LOSSIEMOUTH FISHERMEN'S BENEVOLENT ASSOCIATION LIMITED
1998-05-19
➕
SCOTT, John Sutherland appointed
secretary
1998-05-19
➕
OSWALDS OF EDINBURGH LIMITED appointed
corporate-nominee-secretary
1998-05-19
➖
OSWALDS OF EDINBURGH LIMITED resigned
corporate-nominee-secretary
1998-05-19
➕
BREMNER, James Kinnaird appointed
director
1998-05-19
➕
GREGSON, Kenneth Michael Reed appointed
director
1998-05-19
➕
JONES, Stewart Graham appointed
director

Showing most recent 50 of 56 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

-8 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 81 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

73/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 16 years.
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

Name	Shares	Voting rights	Nature of control	Notified
Mr Alistair Milne Individual · British · DOB 05/1958 · age 68	—	—	sig. influencesignificant influence	06/04/2016

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 →

Similar companies

Active · Financial services · AB postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
MILLER & CO. INVESTMENT MANAGEMENT LIMITED→ SC143600 · est 1993	£363.6k £264.4k–£462.7k	—	—	4	33y	85	61y
PROFESSIONAL FINANCIAL PLANNERS LIMITED→ SC327610 · est 2007	—	—	£2.38M	—	18y	83	69y
WEALTHWAY LIMITED→ SC207478 · est 2000	—	—	—	300	25y	83	63y
ADVANCED FINANCIAL PLANNING SCOTLAND LIMITED→ SC387177 · est 2010	—	—	—	1100	15y	82	72y
ATHOLL SCOTT FINANCIAL SERVICES LIMITED→ SC108824 · est 1988	—	—	£233.4k	—	38y	82	59y
OPTIMA FINANCIAL SERVICES LTD.→ SC202196 · est 1999	—	—	£134.3k	—	26y	82	69y
ATLAS FINANCIAL CONSULTING LIMITED→ SC217926 · est 2001	—	—	£37.9k	—	25y	81	64y
FUTURA INVESTMENTS LIMITED→ SC181954 · est 1998	—	—	—	—	28y	81	61y
J M TAYLOR FINANCIAL SERVICES LIMITED→ SC352131 · est 2008	—	—	£1.71M	—	17y	81	68y
JAMES AND GEORGE COLLIE FINANCIAL MANAGEMENT LIMITED→ SC253171 · est 2003	—	—	£11.1k	—	22y	81	68y
SEED FUND (CARRY PARTNER) GENERAL PARTNER LIMITED→ SC318560 · est 2007 · no financials extracted	—	—	—	—	19y	81	71y
24X2 INVESTMENTS LIMITED→ SC260211 · est 2003	—	—	£397.9k	—	22y	80	62y

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.

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Company details

Statusactive

Typeprivate-limited-guarant-nsc

Incorporated1998-05-19

Jurisdictionscotland

Primary SIC65110 — Life insurance

Registered office

61 High Street

Fraserburgh

AB43 9ET

Scotland

Filing status

Accounts

Next due: 2027-02-28

Last made up to: 2025-05-31

Confirmation statement

Next due: 2026-06-02

Last: 2025-05-19