BQI GROUP LIMITED
🌳Matureactive
SC306285 · ltd · incorporated 2006-08-03
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.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong 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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
5 live charges · 4 lenders · oldest 13.0y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 13.0 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 33/100 — workable, but lender will want more DD.
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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
11 officers (4 active, 11 linked, 7 with DOB)
83
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
28 connected companies via shared directors
90
Filing history
88 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
2
filings
- • 2 officers
Last 90 days
2
filings
- • 2 officers
Last 180 days
10
filings
- • 3 mortgage
- • 2 officers
- • 2 accounts
Counts from Companies House filing history.
Corporate timeline (47 events)Click to expand
- 2026-04-21➕FORREST, Neil appointeddirector
- 2026-04-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-26➕PERCIVAL, Alan James appointeddirector
- 2026-01-09📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2026-01-09📄legacyaccounts · PARENT_ACC
- 2026-01-09📄legacyother · GUARANTEE2
- 2026-01-09📄legacyother · AGREEMENT2
- 2025-12-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-21🔒Charge registered #5Lender: Ares Management Limited
- 2025-11-21🔒Charge registered #4Lender: Ares Management Limited as Security Agent
- 2025-11-21🔒Charge registered #3Lender: Ares Management Limited as Security Agent
- 2025-03-20📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2024-11-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-18➕WRIGHT, Kathren appointeddirector
- 2024-10-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-04-26📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-04-26📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-04-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-04-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-04-12➖DUNCAN, Noelle Isobel resignedsecretary
- 2024-04-12➖QUINN, Sean Philip resignedsecretary
- 2024-04-12➖QUINN, Sean Philip resigneddirector
- 2024-04-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-02🔓Charge satisfied #2
- 2023-05-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-10-15➖MORRIS, Rebecca Louise resigneddirector
- 2019-01-01➕MORRIS, Rebecca Louise appointeddirector
- 2017-11-29➕DUNCAN, Noelle Isobel appointedsecretary
- 2015-11-20➖SNOOK, Neil resigneddirector
- 2015-03-18🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2015-03-11🔓Charge satisfied #1
- 2013-05-09🔒Charge registered #1Lender: Lloyds Tsb Bank PLC (Co. No. 2065)
- 2013-01-28➕SNOOK, Neil appointeddirector
- 2006-08-03🏢Company incorporatedAs BQI GROUP LIMITED
- 2006-08-03➕BROWN, Andrew Steven appointeddirector
- 2006-08-03➕QUINN, Sean Philip appointedsecretary
- 2006-08-03➕BRIAN REID LTD. appointedcorporate-nominee-secretary
- 2006-08-03➖BRIAN REID LTD. resignedcorporate-nominee-secretary
- 2006-08-03➕QUINN, Sean Philip appointeddirector
- 2006-08-03➕STEPHEN MABBOTT LTD. appointedcorporate-nominee-director
- 2006-08-03➖STEPHEN MABBOTT LTD. resignedcorporate-nominee-director
Owner dependency
58/100
Moderate — manageable with handoverSome 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.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
53/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondary12+ year tenure: Director in role 20 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·3 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-11-21: A registered charge; 2025-11-21: A registered charge; 2025-11-21: A registered charge
Group structure
Jmg Gi7 Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Jmg Gi7 Limited
Corporate parent · holds 75-100% shares · board control
⬇
BQI GROUP LIMITED
This company · SC306285
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 |
|---|---|---|---|---|
Jmg Gi7 Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 12/04/2024 |
2 historic (ceased) PSCs
- Mr Andrew Steven Brownceased 12/04/2024· 25-50% shares · 25-50% voting
- Mr Sean Philip Quinnceased 12/04/2024· 25-50% shares · 25-50% voting
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 →Similar companies
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|---|---|---|---|---|---|---|---|
| CRIEFF FINANCIAL & MORTGAGE CENTRE LIMITED→ SC330821 · est 2007 | — | — | — | 300 | 18y | 82 | 67y |
| BLACKFORD FINANCIAL SOLUTIONS LIMITED→ SC324569 · est 2007 | — | — | — | 200 | 18y | 80 | 58y |
| BRAIDS BRAWEST LIMITED→ SC244281 · est 2003 | — | — | — | — | 23y | 80 | 61y |
| DUPPLIN INVESTMENTS LIMITED→ SC480480 · est 2014 | — | — | — | 0 | 11y | 80 | 59y |
| HERITABLE LIMITED→ SC237615 · est 2002 | — | — | — | — | 23y | 80 | 73y |
| KAIM INVESTMENT COMPANY LIMITED→ SC020977 · est 1939 | — | — | — | 2 | 86y | 80 | 88y |
| FAIR CITY PROPERTY GROUP LIMITED→ SC689124 · est 2021 | — | — | — | 300 | 5y | 79 | 62y |
| DFS FINANCIAL CONSULTANCY LTD.→ SC504292 · est 2015 | — | — | — | 6 | 10y | 78 | 61y |
| MAGNUS MURRAY FAMILY SOLUTIONS LTD→ SC469908 · est 2014 | — | — | £88.1k | — | 12y | 78 | 58y |
| BON ACCORD BONDING COMPANY LIMITED→ SC028125 · est 1951 | — | — | £1.11M | — | 75y | 77 | 81y |
| ALLTMORE ASSET MANAGEMENT LIMITED→ SC621650 · est 2019 | — | — | £2 | — | 7y | 76 | 77y |
| ALLTMORE LIMITED→ SC621644 · est 2019 | — | — | £2 | — | 7y | 76 | 77y |
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
Statusactive
Typeltd
Incorporated2006-08-03
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
Algo Business Centre
Glenearn Road
Perth
PH2 0NJ
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-15
Last: 2025-11-01
Officers (4 active · 7 resigned)
BROWN, Andrew Steven→
Activedirector · ~50y · appointed 2006-08-03
View their other companies + combined net worth →
FORREST, Neil→
Activedirector · ~60y · appointed 2026-04-21
View their other companies + combined net worth →
PERCIVAL, Alan James→
Activedirector · ~60y · appointed 2026-03-26
View their other companies + combined net worth →
WRIGHT, Kathren→
Activedirector · ~54y · appointed 2024-11-18
View their other companies + combined net worth →
DUNCAN, Noelle Isobel→
Resignedsecretary · appointed 2017-11-29 · resigned 2024-04-12
QUINN, Sean Philip→
Resignedsecretary · appointed 2006-08-03 · resigned 2024-04-12
BRIAN REID LTD.→
Resignedcorporate-nominee-secretary · appointed 2006-08-03 · resigned 2006-08-03
MORRIS, Rebecca Louise→
Resigneddirector · ~48y · appointed 2019-01-01 · resigned 2021-10-15
QUINN, Sean Philip→
Resigneddirector · ~53y · appointed 2006-08-03 · resigned 2024-04-12
SNOOK, Neil→
Resigneddirector · ~55y · appointed 2013-01-28 · resigned 2015-11-20
STEPHEN MABBOTT LTD.→
Resignedcorporate-nominee-director · appointed 2006-08-03 · resigned 2006-08-03
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
3
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Ares Management Ares Management Limited | A registered charge | — | 21/11/2025 | — | |
| outstanding | Ares Management as Security Agent Ares Management Limited as Security Agent | A registered charge | — | 21/11/2025 | — | |
| outstanding | Ares Management as Security Agent Ares Management Limited as Security Agent | A registered charge | — | 21/11/2025 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 18/03/2015 | 02/04/2024 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC (Co. No. 2065) | A registered charge | 1 property | 09/05/2013 | 11/03/2015 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (88 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-04-21
appoint-person-director-company-with-name-date
officers · AP01
2026-03-31
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2026-01-09
legacy
accounts · PARENT_ACC
2026-01-09
legacy
other · GUARANTEE2
2026-01-09
legacy
other · AGREEMENT2
2026-01-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-05
change-account-reference-date-company-current-extended
accounts · AA01
2025-03-20
appoint-person-director-company-with-name-date
officers · AP01
2024-11-19
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-04-29