20/20 BUSINESS INSIGHT LIMITED

🌳Matureactive

SC222955 · ltd · incorporated 2001-09-06

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 Mar 2025

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Management consultancy activities other than financial management

Sector: Professional, scientific & technical

Investor take

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 79/100 (strong), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 19.4y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 19.4 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

28 officers (5 active, 28 linked, 21 with DOB)

Ownership & PSC

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

Director network

2 connected companies via shared directors

Filing history

144 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31
Average employees	2100	2000

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

filing

• 1 officers

Last 90 days

filing

• 1 officers

Last 180 days

filing

• 1 officers

Counts from Companies House filing history.

Corporate timeline (76 events)Click to expand

2026-04-01
➕
MORA, Chloe Louisa appointed
director
2026-04-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-03
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-11-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-20
📄
memorandum-articles
incorporation · MA
2024-09-20
📄
resolution
resolution · RESOLUTIONS
2024-09-20
📄
statement-of-companys-objects
change-of-constitution · CC04
2024-09-17
➖
MARKS, Antony resigned
director
2024-09-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-06-17
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2024-06-17
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-06-04
➕
MORA, Chloe Louisa appointed
secretary
2024-06-03
➖
THORNTONS LAW LLP resigned
corporate-secretary
2023-12-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-06
📄
second-filing-of-director-appointment-with-name
officers · RP04AP01
2022-04-01
➕
JEFFRIES, Phillip appointed
director
2022-04-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-02-22
📄
appoint-corporate-secretary-company-with-name-date
officers · AP04
2022-02-19
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-02-19
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2022-02-18
➕
THORNTONS LAW LLP appointed
corporate-secretary
2022-02-14
➖
BUCK, Amanda Jane resigned
secretary
2022-02-14
➖
BUCK, Amanda Jane resigned
director
2022-01-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-01-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-01-01
➕
CAMERON, Atholl George appointed
director
2022-01-01
➖
CHAPMAN, Graham resigned
director
2021-12-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-14
➕
BUCK, Amanda Jane appointed
secretary
2020-09-14
➖
THORNTONS LAW LLP resigned
corporate-secretary
2020-06-02
➖
DAVIDSON, Emma Elise resigned
director
2020-04-08
➕
DAVIDSON, Emma Elise appointed
director
2020-04-07
➖
DAVIDSON, Emma Elise resigned
director
2019-11-08
➕
DAVIDSON, Emma Elise appointed
director
2019-11-08
➖
HARKIN, Neil Anthony resigned
director
2018-01-02
➖
WALTERS, Peter resigned
director
2018-01-01
➕
VINCENT, Thomas appointed
director
2017-07-20
➕
BUCK, Amanda Jane appointed
director
2017-05-27
🔓
Charge satisfied #3
2014-11-30
➖
LITTLEJOHN, Douglas Gordon resigned
director
2014-09-30
➖
MCKENZIE, David James resigned
director
2013-08-22
🔒
Charge registered #3
Lender: East of Scotland Investment Fund Limited
2013-02-28
➖
MARKS, Alison Goodwin resigned
director
2012-04-20
➕
MCKENZIE, David James appointed
director
2012-04-20
➕
WALTERS, Peter appointed
director
2012-01-25
🔒
Charge registered #2
Lender: Clydesdale Bank PLC
2011-01-28
➖
GOURLAY, James resigned
director
2011-01-28
➖
STARKE, Calum Kenneth resigned
director

Showing most recent 50 of 76 events

Owner dependency

48/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

40/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.

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

20/20 Business Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

20/20 Business Group Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

20/20 BUSINESS INSIGHT LIMITED

This company · SC222955

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
20/20 Business Group Limited Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	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 →

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ACGT LIMITED→ SC827482 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
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ACTAB LTD→ SC628462 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
ACTM HOLDINGS LIMITED→ SC555738 · est 2017 · no financials extracted	—	—	—	—	9y	—	—
ACUMEN (SCOTLAND) LIMITED→ SC238211 · est 2002 · no financials extracted	—	—	—	—	23y	—	—
ADAM ADVISORY ASSOCIATES LIMITED→ SC772472 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ADAMSON MUCKETT LIMITED→ SC611343 · est 2018 · no financials extracted	—	—	—	—	7y	—	—

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

Incorporated2001-09-06

Jurisdictionscotland

Primary SIC70229 — Management consultancy activities other than financial management

Registered office

Third Floor, 3 Hill Street

New Town

Edinburgh

EH2 3JP

Scotland

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-09-19

Last: 2025-09-05