KINGSGATE LAW FINANCIAL SERVICES LIMITED

💤Zombieactive
SC600683 · ltd · incorporated 2018-06-22
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 76/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (69/100)

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
4 officers (1 active, 4 linked, 4 with DOB)
90
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
Network not yet resolved
30
Filing history
24 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
70
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 accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees3300

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
2
filings
  • • 1 accounts
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2025-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-11-14
    ➖
    YOUNG, Allan Cuthbertson resigned
    director
  3. 2025-11-14
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  4. 2025-05-26
    ➕
    MILES, Gordon appointed
    director
  5. 2025-05-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2024-12-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2023-08-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2023-02-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2022-07-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-05-11
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2022-05-01
    ➖
    KENNEDY, Lawrence Scott resigned
    director
  12. 2021-12-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-01-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2019-12-04
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2019-12-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2019-11-29
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  17. 2019-11-28
    ➖
    COWIE, Denise resigned
    director
  18. 2019-07-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2018-07-20
    📄
    legacy
    miscellaneous · RPCH01
  20. 2018-07-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  21. 2018-06-22
    🏢
    Company incorporated
    As KINGSGATE LAW FINANCIAL SERVICES LIMITED
  22. 2018-06-22
    ➕
    COWIE, Denise appointed
    director
  23. 2018-06-22
    ➕
    KENNEDY, Lawrence Scott appointed
    director
  24. 2018-06-22
    ➕
    YOUNG, Allan Cuthbertson appointed
    director
  25. 2018-06-22
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

83/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

55/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

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

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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
Incorporated2018-06-22
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Neo House
Riverside Drive
Aberdeen
AB11 7LH
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-05
Last: 2025-06-21

Officers (1 active · 3 resigned)

MILES, Gordon→
director · ~59y · appointed 2025-05-26
View their other companies + combined net worth →
Active
COWIE, Denise→
director · ~64y · appointed 2018-06-22 · resigned 2019-11-28
Resigned
KENNEDY, Lawrence Scott→
director · ~80y · appointed 2018-06-22 · resigned 2022-05-01
Resigned
YOUNG, Allan Cuthbertson→
director · ~61y · appointed 2018-06-22 · resigned 2025-11-14
Resigned

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

Recent filings (24 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-19
termination-director-company-with-name-termination-date
officers · TM01
2025-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-25
appoint-person-director-company-with-name-date
officers · AP01
2025-05-26
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-21
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-02-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-21
termination-director-company-with-name-termination-date
officers · TM01
2022-05-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-28
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-06