C & A MACKIE INSURANCE CONSULTANTS LIMITED

⚰️Wound downdissolved

SC289562 · ltd · incorporated 2005-08-30

Investment thesis

Company dissolved — not a live target.

Why interesting: Historical record only; useful for precedent research.

Why risky: Not transactable.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 15.6y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

46/100

Watch

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What this business does

Primary activity: Non-life insurance

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed unclear — structural issues outweigh the discount.

Opportunity 46/100 (watch), bankability 55/100. High owner-dependency — earn-out structure likely required for clean transition. 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: share sale to pe / searcher (43/100). Current lenders should be on monthly review.

🏦

Refinance opportunity

1 live charge · oldest 15.6y

55/100

too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

· Oldest live charge is 15.6 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 45/100 (high).

Data confidence

Overall: low (47/100)

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

Company profile

address, 1 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

12 officers (1 active, 12 linked, 9 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

Network not yet resolved

Filing history

64 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

46/100Watch

PassWatchWorth a lookStrongExceptional

Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.

Business quality

Concerning — overdue filings or status flags present.

Acquirability

Some acquirability indicators.

Risk profile

Multiple red flags — proceed with caution.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (51 events)Click to expand

2019-03-04
⚠️
gazette-dissolved-liquidation
gazette · GAZ2
2019-03-04
🏁
Company dissolved
2018-12-04
⚠️
liquidation-voluntary-return-of-final-meeting-scotland
insolvency · 4.26(Scot)
2017-10-18
📄
legacy
liquidation · 2.18B(Scot)
2017-08-17
⚠️
liquidation-in-administration-move-to-creditors-voluntary-liquidation-scotland
insolvency · 2.25B(Scot)
2017-05-23
📄
legacy
liquidation · 2.18B(Scot)
2017-04-26
⚠️
liquidation-in-administration-progress-report-scotland
insolvency · 2.20B(Scot)
2016-11-17
📄
legacy
liquidation · 2.18B(Scot)
2016-11-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2016-09-20
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2016-09-20
⚠️
liquidation-in-administration-appointment-of-administrator-scotland
insolvency · 2.11B(Scot)
2016-09-07
➖
TRAVERS, Ross resigned
director
2016-08-19
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-09-14
📄
annual-return-company-with-made-up-date
annual-return · AR01
2015-09-10
📄
appoint-person-director-company-with-name
officers · AP01
2015-09-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2015-08-25
➕
LYNAS, Ashleigh appointed
director
2015-07-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2015-06-29
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-04-10
➖
MACKIE, Carol Mcdonald resigned
director
2014-10-21
📄
termination-director-company-with-name-termination-date
officers · TM01
2014-10-16
➖
DUNCOMBE, John William resigned
director
2014-10-09
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-09-25
📄
capital-cancellation-shares
capital · SH06
2014-04-28
📄
capital-allotment-shares
capital · SH01
2014-04-28
📄
capital-allotment-shares
capital · SH01
2014-04-03
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-02-17
📄
termination-director-company-with-name
officers · TM01
2014-02-13
➖
LYNAS, Ashleigh resigned
director
2014-01-21
📄
appoint-person-director-company-with-name
officers · AP01
2013-12-17
📄
appoint-person-director-company-with-name
officers · AP01
2013-12-12
➕
LYNAS, Ashleigh appointed
director
2013-12-12
➕
TRAVERS, Ross appointed
director
2013-12-05
➕
DUNCOMBE, John William appointed
director
2013-12-02
➖
MCINTYRE, John resigned
director
2013-07-08
➖
SHELF SECRETARY LIMITED resigned
corporate-secretary
2013-02-08
➕
MCINTYRE, John appointed
director
2012-08-30
➖
COLQUHOUN, Allan resigned
director
2010-09-27
🔒
Charge registered #1
Lender: Bank of Scotland PLC
2006-10-16
➕
COLQUHOUN, Allan appointed
director
2006-10-05
➖
MACDONALD HENDERSON LIMITED resigned
corporate-secretary
2006-10-05
➕
SHELF SECRETARY LIMITED appointed
corporate-secretary
2006-08-23
➖
MACDONALD, Morinne resigned
nominee-secretary
2006-08-23
➕
MACDONALD HENDERSON LIMITED appointed
corporate-secretary
2006-08-23
➖
MACDONALD, Morinne resigned
nominee-director
2006-08-23
➕
MACKIE, Carol Mcdonald appointed
director
2006-08-23
➖
POLLOCK, Gail resigned
director
2005-08-30
🏢
Company incorporated
As C & A MACKIE INSURANCE CONSULTANTS LIMITED
2005-08-30
➕
MACDONALD, Morinne appointed
nominee-secretary
2005-08-30
➕
MACDONALD, Morinne appointed
nominee-director

Showing most recent 50 of 51 events

Owner dependency

75/100

High — earn-out structure required

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

FACTORS

+Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

60/100

Strong succession signal

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

SIGNALS

primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
secondaryStable-but-static management: Company is 21 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

2 high ·

Company dissolved

high

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

Evidence: Dissolved on 2019-03-04

5 insolvency-related filings on record

high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2019-03-04: gazette-dissolved-liquidation; 2018-12-04: liquidation-voluntary-return-of-final-meeting-scotland

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Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

10 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 →

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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

Statusdissolved

Typeltd

Incorporated2005-08-30

Jurisdictionscotland

Primary SIC65120 — Non-life insurance

Registered office

3 Castle Court

Carnegie Campus

Dunfermline

Fife

KY11 8PB

Filing status

Accounts

Next due: —

Last made up to: 2015-09-30

Confirmation statement

Next due: —

Last: —

Officers (0 active · 11 resigned)

LYNAS, Ashleigh→

director · ~37y · appointed 2015-08-25

View their other companies + combined net worth →

Active

MACDONALD, Morinne→

nominee-secretary · appointed 2005-08-30 · resigned 2006-08-23

Resigned

MACDONALD HENDERSON LIMITED→

corporate-secretary · appointed 2006-08-23 · resigned 2006-10-05

Resigned

SHELF SECRETARY LIMITED→

corporate-secretary · appointed 2006-10-05 · resigned 2013-07-08

Resigned

COLQUHOUN, Allan→

director · ~64y · appointed 2006-10-16 · resigned 2012-08-30

Resigned

DUNCOMBE, John William→

director · ~68y · appointed 2013-12-05 · resigned 2014-10-16

Resigned

LYNAS, Ashleigh→

director · ~37y · appointed 2013-12-12 · resigned 2014-02-13

Resigned

MACDONALD, Morinne→

nominee-director · ~70y · appointed 2005-08-30 · resigned 2006-08-23

Resigned

MACKIE, Carol Mcdonald→

director · ~65y · appointed 2006-08-23 · resigned 2015-04-10

Resigned

MCINTYRE, John→

director · ~87y · appointed 2013-02-08 · resigned 2013-12-02

Resigned

POLLOCK, Gail→

director · ~52y · appointed 2005-08-30 · resigned 2006-08-23

Resigned

TRAVERS, Ross→

director · ~66y · appointed 2013-12-12 · resigned 2016-09-07

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	Lloyds Banking Group Bank of Scotland PLC	Floating charge	1 property	27/09/2010	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (64 total)

gazette-dissolved-liquidation

gazette · GAZ2

2019-03-04

liquidation-voluntary-return-of-final-meeting-scotland

insolvency · 4.26(Scot)

2018-12-04

legacy

liquidation · 2.18B(Scot)

2017-10-18

liquidation-in-administration-move-to-creditors-voluntary-liquidation-scotland

insolvency · 2.25B(Scot)

2017-08-17

legacy

liquidation · 2.18B(Scot)

2017-05-23

liquidation-in-administration-progress-report-scotland

insolvency · 2.20B(Scot)

2017-04-26

legacy

liquidation · 2.18B(Scot)

2016-11-17

termination-director-company-with-name-termination-date

officers · TM01

2016-11-03

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2016-09-20

liquidation-in-administration-appointment-of-administrator-scotland

insolvency · 2.11B(Scot)

2016-09-20

accounts-with-accounts-type-total-exemption-small

accounts · AA

2016-08-19

annual-return-company-with-made-up-date

annual-return · AR01

2015-09-14

appoint-person-director-company-with-name

officers · AP01

2015-09-10

appoint-person-director-company-with-name-date

officers · AP01

2015-09-01

termination-director-company-with-name-termination-date

officers · TM01

2015-07-07