OUR TRAVEL INSURANCE LIMITED

🌳Matureactive
SC394090 · ltd · incorporated 2011-02-23
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
—
year to Dec 2024
Net worth
£32.5k
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 73-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 73). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (75/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (4 active, 5 linked, 3 with DOB)
82
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
50 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 declared
Positive net assets
Net assets £32,506

Key financials

1 year extracted from filed iXBRL accounts
Cash
£17k
Net Worth
£33k
Current Assets
£60k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-31
Total assets£44.8k
Current assets£60.2k
Cash£17.3k
Debtors£42.9k
Net assets£32.5k

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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-27
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  3. 2025-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-05-25
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  6. 2023-05-16
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  7. 2023-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-03-31
    📄
    second-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP04CS01
  9. 2022-03-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2021-10-12
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  11. 2021-05-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2021-05-10
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  13. 2021-05-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2021-05-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2021-05-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2021-05-07
    📄
    capital-name-of-class-of-shares
    capital · SH08
  17. 2021-05-07
    📄
    capital-alter-shares-subdivision
    capital · SH02
  18. 2021-05-05
    📄
    resolution
    resolution · RESOLUTIONS
  19. 2021-04-29
    ➕
    ANDERSON, Kareen appointed
    director
  20. 2020-11-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2012-06-01
    ➕
    CLARKSON, Graeme Andrew Telford appointed
    secretary
  22. 2012-06-01
    ➕
    CLARKSON, Graeme Andrew Telford appointed
    director
  23. 2012-06-01
    ➖
    NICHOLSON, David James resigned
    secretary
  24. 2011-02-23
    🏢
    Company incorporated
    As OUR TRAVEL INSURANCE LIMITED
  25. 2011-02-23
    ➕
    NICHOLSON, David James appointed
    director
  26. 2011-02-23
    ➕
    NICHOLSON, David James appointed
    secretary

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
  • +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 73 — succession pressure is live.

Succession & seller-readiness

83/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 15 years.
  • secondaryStable-but-static management: Company is 15 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr David James Nicholson
Individual · British · DOB 06/1962 · age 64
50–75%
50–75%board control50-75% shares · 50-75% voting · board control06/04/2016

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 →

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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
Incorporated2011-02-23
Jurisdictionscotland
Primary SIC65120 — Non-life insurance

Registered office

43a High Street
Kirkcaldy
Fife
KY1 1LL
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-09
Last: 2026-02-23

Officers (4 active · 1 resigned)

CLARKSON, Graeme Andrew Telford→
secretary · appointed 2012-06-01
View their other companies + combined net worth →
Active
ANDERSON, Kareen→
director · ~52y · appointed 2021-04-29
View their other companies + combined net worth →
Active
CLARKSON, Graeme Andrew Telford→
director · ~73y · appointed 2012-06-01
View their other companies + combined net worth →
Active
NICHOLSON, David James→
director · ~64y · appointed 2011-02-23
View their other companies + combined net worth →
Active
NICHOLSON, David James→
secretary · appointed 2011-02-23 · resigned 2012-06-01
Resigned

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

Recent filings (50 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-30
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
gazette-filings-brought-up-to-date
gazette · DISS40
2023-05-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-24
gazette-notice-compulsory
gazette · GAZ1
2023-05-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-28
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2022-03-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-03-18
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-18
accounts-with-accounts-type-dormant
accounts · AA
2021-10-12