CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED

🌳Matureactive
SC200273 · ltd · incorporated 1999-09-27
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 17.5y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
🔔
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What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 85/100. 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).

🏦

Refinance opportunity

1 live charge · oldest 17.5y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 17.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
9 officers (3 active, 9 linked, 6 with DOB)
83
Ownership & PSC
2 active PSC(s) of 5 total, 5 with control declared
90
Director network
26 connected companies via shared directors
90
Filing history
107 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
4
filings
  • • 2 accounts
  • • 2 other
Counts from Companies House filing history.
Corporate timeline (40 events)Click to expand
  1. 2025-12-31
    📄
    accounts-with-accounts-type-audit-exemption-subsiduary
    accounts · AA
  2. 2025-12-31
    📄
    legacy
    accounts · PARENT_ACC
  3. 2025-12-31
    📄
    legacy
    other · GUARANTEE2
  4. 2025-12-31
    📄
    legacy
    other · AGREEMENT2
  5. 2025-10-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2025-10-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2025-10-16
    ➕
    ERASMUS, Matthew Robert appointed
    director
  8. 2025-10-16
    ➕
    WRIGHT, Kathren appointed
    director
  9. 2024-12-18
    📄
    accounts-with-accounts-type-audit-exemption-subsiduary
    accounts · AA
  10. 2024-12-18
    📄
    legacy
    accounts · PARENT_ACC
  11. 2024-12-18
    📄
    legacy
    other · AGREEMENT2
  12. 2024-12-18
    📄
    legacy
    other · GUARANTEE2
  13. 2024-10-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2024-04-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2024-03-06
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  16. 2023-09-27
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2023-09-12
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  18. 2023-09-12
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  19. 2023-09-12
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  20. 2023-09-11
    ➖
    MCARTHUR, Alexander resigned
    director
  21. 2023-09-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2023-05-18
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  23. 2023-05-18
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  24. 2023-04-20
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  25. 2023-04-20
    🔓
    Charge satisfied #1
  26. 2023-02-02
    📄
    capital-return-purchase-own-shares
    capital · SH03
  27. 2022-12-29
    ➖
    WEIR, Ian resigned
    director
  28. 2016-04-30
    ➖
    REVILL, Kathleen Agnes resigned
    secretary
  29. 2008-12-19
    ➖
    REVILL, Alfred John resigned
    director
  30. 2008-11-24
    🔒
    Charge registered #1
    Lender: Royal Bank of Scotland PLC
  31. 2006-06-01
    ➕
    WEIR, Ian appointed
    director
  32. 2005-01-01
    ➕
    MCARTHUR, Alexander appointed
    director
  33. 1999-10-06
    ➕
    MCGREGOR, Stuart Hunter appointed
    director
  34. 1999-10-06
    ➕
    REVILL, Kathleen Agnes appointed
    secretary
  35. 1999-10-06
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  36. 1999-10-06
    ➕
    REVILL, Alfred John appointed
    director
  37. 1999-10-06
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    corporate-nominee-director
  38. 1999-09-27
    🏢
    Company incorporated
    As CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED
  39. 1999-09-27
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  40. 1999-09-27
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director

Owner dependency

68/100
High — earn-out structure required

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

FACTORS
  • +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

60/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
  • 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.)

Group structure

2 corporate shareholders identified. Group structure is distributed.

🏛️
Greenwood Group Holdings Limited
Corporate parent · holds 25-50% shares
significant stake
🏛️
Stufio Ltd
Corporate parent · holds 25-50% shares
significant stake
⬇
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED
This company · SC200273

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Greenwood Group Holdings Limited
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting11/09/2023
Stufio Ltd
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting17/05/2023
3 historic (ceased) PSCs
  • Mr Alexander Mcarthurceased 11/09/2023· 25-50% shares
  • Calcluth & Sangster (Glasgow) Limitedceased 17/05/2023· 25-50% shares · 25-50% voting
  • Mr Stuart Hunter Mcgregorceased 06/04/2016· 25-50% shares

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
Incorporated1999-09-27
Jurisdictionscotland
Primary SIC65120 — Non-life insurance

Registered office

Prospect House Hamilton International Technology Park
Blantyre
Glasgow
G72 0BN
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-11
Last: 2025-09-27

Officers (3 active · 6 resigned)

ERASMUS, Matthew Robert→
director · ~53y · appointed 2025-10-16
View their other companies + combined net worth →
Active
MCGREGOR, Stuart Hunter→
director · ~59y · appointed 1999-10-06
View their other companies + combined net worth →
Active
WRIGHT, Kathren→
director · ~54y · appointed 2025-10-16
View their other companies + combined net worth →
Active
REVILL, Kathleen Agnes→
secretary · appointed 1999-10-06 · resigned 2016-04-30
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 1999-09-27 · resigned 1999-10-06
Resigned
MCARTHUR, Alexander→
director · ~66y · appointed 2005-01-01 · resigned 2023-09-11
Resigned
REVILL, Alfred John→
director · ~82y · appointed 1999-10-06 · resigned 2008-12-19
Resigned
WEIR, Ian→
director · ~75y · appointed 2006-06-01 · resigned 2022-12-29
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-nominee-director · appointed 1999-09-27 · resigned 1999-10-06
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Lloyds Banking Group
Royal Bank of Scotland PLC
Floating charge1 property24/11/200820/04/2023

Recent filings (107 total)

accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-12-31
legacy
accounts · PARENT_ACC
2025-12-31
legacy
other · GUARANTEE2
2025-12-31
legacy
other · AGREEMENT2
2025-12-31
appoint-person-director-company-with-name-date
officers · AP01
2025-10-20
appoint-person-director-company-with-name-date
officers · AP01
2025-10-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-30
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-12-18
legacy
accounts · PARENT_ACC
2024-12-18
legacy
other · AGREEMENT2
2024-12-18
legacy
other · GUARANTEE2
2024-12-18
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-02
change-person-director-company-with-change-date
officers · CH01
2024-10-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-04
change-account-reference-date-company-current-extended
accounts · AA01
2024-03-06