CASTLE FINANCIAL CONSULTANTS LIMITED

🌳Matureactive

SC531751 · ltd · incorporated 2016-04-06

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 Apr 2025

Net worth

£82.3k

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Activities of insurance agents and brokers

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 79-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 79). 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

Lenders & charges

Confirmed no charges registered

Directors & officers

7 officers (4 active, 7 linked, 7 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

Network not yet resolved

Filing history

29 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £82,297

Cash YoY

+12%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£112k

↑ 12% YoY

Net Worth

£82k

↑ 70% YoY

Current Assets

£112k

↑ 12% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-04-30	2024-04-30
Total assets	£82.3k	£48.5k
Current assets	£112.1k	£100.3k
Cash	£112.1k	£100.3k
Net assets	£82.3k	£48.5k

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (26 events)Click to expand

2026-01-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-10-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-10-09
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-10-07
➕
BROWN, Scott appointed
director
2019-10-07
➕
BROWN, Shona appointed
director
2019-10-07
➕
BROWN JNR, David appointed
director
2019-10-07
➖
COUTTS, Cameron Simpson resigned
director
2019-10-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-10-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-10-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-10-07
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-10-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2018-10-10
📄
accounts-with-accounts-type-dormant
accounts · AA
2017-11-21
📄
accounts-with-accounts-type-dormant
accounts · AA
2016-07-13
➖
BROWN, David William resigned
director
2016-07-13
➖
BROWN, Scott David resigned
director
2016-07-13
➕
COUTTS, Cameron Simpson appointed
director
2016-04-06
🏢
Company incorporated
As CASTLE FINANCIAL CONSULTANTS LIMITED
2016-04-06
➕
BROWN, David John appointed
director
2016-04-06
➕
BROWN, David William appointed
director
2016-04-06
➕
BROWN, Scott David appointed
director

Owner dependency

63/100

High — earn-out structure required

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 79 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

65/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
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

Name	Shares	Voting rights	Nature of control	Notified
Mr David John Brown Individual · British · DOB 08/1947 · age 79	50–75%	50–75%	board controlsig. influence50-75% shares · 50-75% voting · board control · significant influence	06/04/2016

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

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KINGS PARK FINANCIAL MANAGEMENT (SCOTLAND) LIMITED→ SC264618 · est 2004 · no financials extracted	—	—	—	—	22y	—	—
LCSK CAPITAL LTD→ SC870081 · est 2025 · no financials extracted	—	—	—	—	—	—	—
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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

Incorporated2016-04-06

Jurisdictionscotland

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

149 Craigs Crescent

Rumford

Falkirk

FK2 0ET

Scotland

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2026-08-02

Last: 2025-07-19

Officers (4 active · 3 resigned)

BROWN, David John→

director · ~79y · appointed 2016-04-06

View their other companies + combined net worth →

Active

BROWN, Scott→

director · ~32y · appointed 2019-10-07

View their other companies + combined net worth →

Active

BROWN, Shona→

director · ~57y · appointed 2019-10-07

View their other companies + combined net worth →

Active

BROWN JNR, David→

director · ~59y · appointed 2019-10-07

View their other companies + combined net worth →

Active

BROWN, David William→

director · ~59y · appointed 2016-04-06 · resigned 2016-07-13

Resigned

BROWN, Scott David→

director · ~32y · appointed 2016-04-06 · resigned 2016-07-13

Resigned

COUTTS, Cameron Simpson→

director · ~67y · appointed 2016-07-13 · resigned 2019-10-07

Resigned

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