INSURE SMART LIMITED
🌳Matureactive
SC268774 · ltd · incorporated 2004-06-03
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 Jun 2025
Net worth
£137.9k
book net assets
Opportunity
81/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with exceptional profile and bankable structure.
Opportunity 81/100 (exceptional), bankability 75/100. 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).
Data confidence
Overall: medium (71/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
9 officers (5 active, 9 linked, 6 with DOB)
83
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
4 connected companies via shared directors
57
Filing history
62 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £137,884
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£138k
↑ 3.7% YoY
Current Assets
£757k
↑ 7.2% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £340.9k | £334.7k |
| Current assets | £756.5k | £705.7k |
| Cash | — | £207.0k |
| Debtors | — | £498.7k |
| Net assets | £137.9k | £133.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2026-03-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-03-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-04-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-06-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-07-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-07-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-07-20➕SALIM, Ashar appointeddirector
- 2020-07-20➕SALIM, Mazhar appointeddirector
- 2020-04-15📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2020-04-11📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2020-04-10➕MCCULLOCH, Ian Robert appointedsecretary
- 2020-04-10➖SALIM, Mazhar resignedsecretary
- 2020-04-01📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-06-21📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2019-06-21📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2019-06-14➕SALIM, Mazhar appointedsecretary
- 2019-06-13➖MCCULLOCH, Ian Robert resignedsecretary
- 2019-03-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-03-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-02-08📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2006-05-05➕SALIM, Amir appointeddirector
- 2006-05-05➖SALIM, Athar resigneddirector
- 2004-08-16➖SALIM, Amir resigneddirector
- 2004-06-03🏢Company incorporatedAs INSURE SMART LIMITED
- 2004-06-03➕MCCULLOCH, Ian Robert appointeddirector
- 2004-06-03➕MCCULLOCH, Ian Robert appointedsecretary
- 2004-06-03➕SALIM, Amir appointeddirector
- 2004-06-03➕SALIM, Athar appointeddirector
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
70/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
🔒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| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| COTTESMORE LIMITED→ SC392573 · est 2011 | — | — | £1.19M | — | 15y | 81 | 78y |
| MORTGAGE HELP SCOTLAND LTD→ SC308427 · est 2006 | — | — | £15.0k | — | 19y | 81 | 62y |
| OUR TRAVEL INSURANCE LIMITED→ SC394090 · est 2011 | — | — | £32.5k | — | 15y | 81 | 73y |
| ABACUS FINANCIAL PLANNING CONSULTANTS LIMITED→ SC244682 · est 2003 | — | — | £202.3k | — | 23y | 80 | 68y |
| GWENEVE LTD.→ SC328078 · est 2007 | — | — | — | 0 | 18y | 80 | 68y |
| INDEPENDENT ONE 2 ONE LTD→ SC367135 · est 2009 | — | — | — | 300 | 16y | 80 | 67y |
| NORDA INTERMEDIARY SERVICES LTD→ SC634360 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| PERSONAL WEALTH MANAGEMENT LTD→ SC269623 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| PLAYA LIMITED→ SC402114 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| PLAYFAIR FINANCE LIMITED→ SC640144 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| PORTUS WEALTH LIMITED→ SC501901 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ROWAN PRIVATE INVESTMENTS LTD→ SC515254 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated2004-06-03
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
342 High Street
Kirkcaldy
Fife
KY1 1LD
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-06-17
Last: 2025-06-03
Officers (5 active · 4 resigned)
MCCULLOCH, Ian Robert→
Activesecretary · appointed 2020-04-10
View their other companies + combined net worth →
MCCULLOCH, Ian Robert→
Activedirector · ~60y · appointed 2004-06-03
View their other companies + combined net worth →
Active
SALIM, Ashar→
Activedirector · ~48y · appointed 2020-07-20
View their other companies + combined net worth →
SALIM, Mazhar→
Activedirector · ~57y · appointed 2020-07-20
View their other companies + combined net worth →
MCCULLOCH, Ian Robert→
Resignedsecretary · appointed 2004-06-03 · resigned 2019-06-13
SALIM, Mazhar→
Resignedsecretary · appointed 2019-06-14 · resigned 2020-04-10
SALIM, Amir→
Resigneddirector · ~45y · appointed 2004-06-03 · resigned 2004-08-16
SALIM, Athar→
Resigneddirector · ~56y · appointed 2004-06-03 · resigned 2006-05-05
Click a director name to see their full track record across all companies.
Recent filings (62 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-04
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-04
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-03-31
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-03
appoint-person-director-company-with-name-date
officers · AP01
2020-07-23
appoint-person-director-company-with-name-date
officers · AP01
2020-07-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-04
appoint-person-secretary-company-with-name-date
officers · AP03
2020-04-15