FULCRUM INSURED EMPLOYEE BENEFITS LIMITED

🌳Matureactive
SC335390 · ltd · incorporated 2007-12-17
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
—
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Turnover
—
year to Dec 2024
Net worth
£89.8k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -44% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 9.9y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 9.9 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (76/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 2 with DOB)
77
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
61 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £89,815
Net assets shrinking
Down £59,397 YoY
Cash draining
Cash down 44% YoY
Cash YoY
-44%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£132k
↓ 44% YoY
Net Worth
£90k
↓ 40% YoY
Current Assets
£140k
↓ 45% YoY
Current Liabilities
—
£0£51k£101k£152k£202k£253kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£96.5k£165.8k
Current assets£140.3k£253.0k
Cash£132.4k£235.1k
Debtors£7.9k£17.9k
Net assets£89.8k£149.2k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-06-17
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  2. 2025-06-16
    📄
    resolution
    resolution · RESOLUTIONS
  3. 2025-06-16
    📄
    capital-name-of-class-of-shares
    capital · SH08
  4. 2025-05-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-09-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-05-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-05-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-06-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-09-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-07-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-04-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2017-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2016-09-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2016-09-05
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  15. 2016-07-25
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2016-05-10
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  17. 2014-03-31
    ➕
    BREBNER, Vivien Claire appointed
    director
  18. 2007-12-17
    🏢
    Company incorporated
    As FULCRUM INSURED EMPLOYEE BENEFITS LIMITED
  19. 2007-12-17
    ➕
    BREBNER, Vivien Claire appointed
    secretary
  20. 2007-12-17
    ➕
    BREBNER, Malcolm David appointed
    director
  21. 2007-12-17
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-secretary
  22. 2007-12-17
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-secretary
  23. 2007-12-17
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-director
  24. 2007-12-17
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-director
  25. 2007-12-17
    ➕
    PETER TRAINER CORPORATE SERVICES LTD. appointed
    corporate-nominee-director
  26. 2007-12-17
    ➖
    PETER TRAINER CORPORATE SERVICES LTD. resigned
    corporate-nominee-director

Owner dependency

91/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

79/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 18 years.
  • secondaryStable-but-static management: Company is 18 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Vivien Claire Brebner
Individual · British · DOB 02/1961 · age 65
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Malcolm David Brebner
Individual · New Zealander · DOB 09/1963 · age 63
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

7 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
Incorporated2007-12-17
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Unit 5 Gateway Business Park
Beancross Road
Grangemouth
Stirlingshire
FK3 8WX

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-09-03
Last: 2025-08-20

Officers (3 active · 3 resigned)

BREBNER, Vivien Claire→
secretary · appointed 2007-12-17
View their other companies + combined net worth →
Active
BREBNER, Malcolm David→
director · ~63y · appointed 2007-12-17
View their other companies + combined net worth →
Active
BREBNER, Vivien Claire→
director · ~65y · appointed 2014-03-31
View their other companies + combined net worth →
Active
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-secretary · appointed 2007-12-17 · resigned 2007-12-17
Resigned
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-director · appointed 2007-12-17 · resigned 2007-12-17
Resigned
PETER TRAINER CORPORATE SERVICES LTD.→
corporate-nominee-director · appointed 2007-12-17 · resigned 2007-12-17
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—10/05/2016—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (61 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-21
capital-variation-of-rights-attached-to-shares
capital · SH10
2025-06-17
resolution
resolution · RESOLUTIONS
2025-06-16
capital-name-of-class-of-shares
capital · SH08
2025-06-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-03