INDEPENDENT ONE 2 ONE LTD
🌳Matureactive
SC367135 · ltd · incorporated 2009-10-20
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 Oct 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueActive trading company with a 67-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (78/100)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
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · IFRS| Metric | 2025-10-31 | 2024-10-31 |
|---|---|---|
| Average employees | 300 | 300 |
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
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 accounts
- • 1 address
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2025-11-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-01-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-05➕HERON, Angela Caroline appointeddirector
- 2023-04-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-20📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-12-02📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-03-06📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-02-25📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-03-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-11-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-10📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-10-29📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-11-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2009-10-20🏢Company incorporatedAs INDEPENDENT ONE 2 ONE LTD
- 2009-10-20➕KIRKWOOD, Stewart appointedsecretary
- 2009-10-20➕HERON, Ninian appointeddirector
Owner dependency
91/100
Critical — business is the founderThe 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 17 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 67 — 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 candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 67. 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 17 years.
- secondaryStable-but-static management: Company is 17 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.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ninian Heron Individual · British · DOB 09/1964 · age 62 | 75–100% | — | 75-100% shares | 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 →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 |
| INSURE SMART LIMITED→ SC268774 · est 2004 | — | — | £137.9k | — | 21y | 81 | 60y |
| 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 PENSION TRUSTEES LIMITED→ SC135111 · est 1991 | — | — | £10.5k | — | 34y | 80 | 74y |
| 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 | — | — |
| 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
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
Incorporated2009-10-20
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
21 Fife Renewables & Innovation Centre Ajax Way
Methil
Leven
KY8 3RS
Scotland
Filing status
Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2026-11-03
Last: 2025-10-20
Officers (3 active · 0 resigned)
Active
HERON, Angela Caroline→
Activedirector · ~67y · appointed 2023-04-05
View their other companies + combined net worth →
HERON, Ninian→
Activedirector · ~62y · appointed 2009-10-20
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (36 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-20
appoint-person-director-company-with-name-date
officers · AP01
2023-04-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-12-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-03-06