STIRLING INDEPENDENT LIMITED

⚰️Wound downdissolved
SC192712 · ltd · incorporated 1999-01-21
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
63/100
Worth a look
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65120Non-life insurance
  • 66220Activities of insurance agents and brokers
Investor take
Pass (distressed without resilience)
Distressed unclear — structural issues outweigh the discount.

Opportunity 63/100 (worth a look), bankability 70/100. Strong seller-intent signal (78/100, director aged 84). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: low (47/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile
address, 3 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
1 connected companies via shared directors
48
Filing history
52 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
63/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
30
Concerning — overdue filings or status flags present.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
  1. 2015-11-10
    📄
    gazette-dissolved-voluntary
    gazette · GAZ2(A)
  2. 2015-11-10
    🏁
    Company dissolved
  3. 2015-07-24
    📄
    gazette-notice-voluntary
    gazette · GAZ1(A)
  4. 2015-07-15
    📄
    dissolution-application-strike-off-company
    dissolution · DS01
  5. 2015-01-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  6. 2015-01-27
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  7. 2014-01-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  8. 2014-01-27
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  9. 2013-01-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  10. 2013-01-22
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  11. 2012-01-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2012-01-23
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  13. 2011-02-28
    📄
    capital-allotment-shares
    capital · SH01
  14. 2011-02-16
    📄
    legacy
    capital · 88(3)
  15. 2011-01-25
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2011-01-21
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2010-02-16
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2010-02-01
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  19. 2010-02-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  20. 2010-02-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  21. 2009-02-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2009-01-21
    📄
    legacy
    annual-return · 363a
  23. 2008-03-14
    📄
    legacy
    annual-return · 363a
  24. 2008-03-14
    📄
    legacy
    officers · 288c
  25. 2008-01-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  26. 2007-06-14
    📍
    legacy
    address · 287
  27. 2004-06-02
    ➕
    STIRLING, Gary John appointed
    director
  28. 1999-01-21
    🏢
    Company incorporated
    As STIRLING INDEPENDENT LIMITED
  29. 1999-01-21
    ➕
    STIRLING, Irene appointed
    secretary
  30. 1999-01-21
    ➕
    STIRLING, John Campbell appointed
    director
  31. 1999-01-21
    ➕
    REID, Brian appointed
    nominee-secretary
  32. 1999-01-21
    ➖
    REID, Brian resigned
    nominee-secretary
  33. 1999-01-21
    ➕
    MABBOTT, Stephen appointed
    nominee-director
  34. 1999-01-21
    ➖
    MABBOTT, Stephen resigned
    nominee-director

Owner dependency

100/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "STIRLING" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 84 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100
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 84 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 27 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

1 high ·
Company dissolved
high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2015-11-10

🔒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 · KY postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
COTTESMORE LIMITED→
SC392573 · est 2011
——£1.19M—15y8178y
INSURE SMART LIMITED→
SC268774 · est 2004
——£137.9k—21y8160y
MORTGAGE HELP SCOTLAND LTD→
SC308427 · est 2006
——£15.0k—19y8162y
OUR TRAVEL INSURANCE LIMITED→
SC394090 · est 2011
——£32.5k—15y8173y
ABACUS FINANCIAL PLANNING CONSULTANTS LIMITED→
SC244682 · est 2003
——£202.3k—23y8068y
GWENEVE LTD.→
SC328078 · est 2007
———018y8068y
INDEPENDENT ONE 2 ONE LTD→
SC367135 · est 2009
———30016y8067y
INDEPENDENT PENSION TRUSTEES LIMITED→
SC135111 · est 1991
——£10.5k—34y8074y
INSURANCE SERVICES (SCOTLAND) LIMITED→
SC107387 · est 1987
———30038y8063y
INVEST INDIA LIMITED→
SC378182 · est 2010
———015y8067y
JIM MCARTHUR INDEPENDENT FINANCIAL SERVICES LTD→
SC240858 · est 2002
———10023y8074y
KINGDOM INVESTMENTS MANAGEMENT LIMITED→
SC428631 · est 2012
———413y8068y
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

Statusdissolved
Typeltd
Incorporated1999-01-21
Jurisdictionscotland
Primary SIC65110 — Life insurance

Registered office

Lodge House
Priory Lane
Dunfermline
Fife
KY12 7DT

Filing status

Accounts
Next due: —
Last made up to: 2014-04-30
Confirmation statement
Next due: —
Last: —

Officers (0 active · 2 resigned)

STIRLING, Irene→
secretary · appointed 1999-01-21
View their other companies + combined net worth →
Active
STIRLING, Gary John→
director · ~54y · appointed 2004-06-02
View their other companies + combined net worth →
Active
STIRLING, John Campbell→
director · ~84y · appointed 1999-01-21
View their other companies + combined net worth →
Active
REID, Brian→
nominee-secretary · appointed 1999-01-21 · resigned 1999-01-21
Resigned
MABBOTT, Stephen→
nominee-director · ~76y · appointed 1999-01-21 · resigned 1999-01-21
Resigned

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

Recent filings (52 total)

gazette-dissolved-voluntary
gazette · GAZ2(A)
2015-11-10
gazette-notice-voluntary
gazette · GAZ1(A)
2015-07-24
dissolution-application-strike-off-company
dissolution · DS01
2015-07-15
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-01-29
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-01-27
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-01-28
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-01-27
accounts-with-accounts-type-total-exemption-small
accounts · AA
2013-01-29
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2013-01-22
accounts-with-accounts-type-total-exemption-small
accounts · AA
2012-01-27
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2012-01-23
capital-allotment-shares
capital · SH01
2011-02-28
legacy
capital · 88(3)
2011-02-16
accounts-with-accounts-type-total-exemption-small
accounts · AA
2011-01-25
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2011-01-21