CK SCOTLAND LIMITED
🏛️Establishedactive
SC645347 · ltd · incorporated 2019-10-24
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 Dec 2024
Net worth
£151.6k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
17 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
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 declaredPositive net assets
Net assets £151,641
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£152k
↑ 62% YoY
Current Assets
£199k
↓ 32% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £178.8k | £125.7k |
| Current assets | £199.1k | £292.6k |
| Net assets | £151.6k | £93.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (14 events)Click to expand
- 2025-09-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-06-13📄change-person-director-company-with-change-dateofficers · CH01
- 2024-08-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-06-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-06-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-06-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-05-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-16📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2019-10-24🏢Company incorporatedAs CK SCOTLAND LIMITED
- 2019-10-24➕CARMICHAEL, Christopher Daniel appointeddirector
- 2019-10-24➕MCNALLY, Kevin Francis appointeddirector
- 2019-10-24📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Ckcm Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Ckcm Holdings Limited
Corporate parent · holds 75-100% shares
⬇
CK SCOTLAND LIMITED
This company · SC645347
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ckcm Holdings Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 15/06/2023 |
2 historic (ceased) PSCs
- Mr Christopher Daniel Carmichaelceased 15/06/2023· 25-50% shares · 25-50% voting · board control
- Mr Kevin Francis Mcnallyceased 15/06/2023· 25-50% shares · 25-50% voting · board control
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 · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ANNIE DUNCAN LTD.→ SC289895 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ARCHIBALD MACINNES AND COMPANY LIMITED→ SC031316 · est 1956 · no financials extracted | — | — | — | — | 70y | — | — |
| ARROWHEAD FINANCIAL LTD→ SC702070 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BRADLEY FINANCIAL PLANNING LTD→ SC573878 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CALEDONIA CAPITAL LIMITED→ SC719417 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CJ FINANCIAL MANAGEMENT LIMITED→ SC876542 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CJ JACKSON LTD→ SC880550 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CJS MORTGAGE & PROTECT LTD→ SC875524 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CLYDE FINANCIAL LTD→ SC764315 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CLYDEVALLEY FINANCIAL SOLUTIONS LIMITED→ SC336573 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| COLLINS FINANCIAL LTD.→ SC589497 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| CRAIG JOHNSTON ASSET MANAGEMENT LIMITED→ SC253561 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2019-10-24
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
12 Woodlands Drive
Lanark
ML11 9FS
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-07-05
Last: 2025-06-21
Officers (2 active · 0 resigned)
CARMICHAEL, Christopher Daniel→
Activedirector · ~62y · appointed 2019-10-24
View their other companies + combined net worth →
MCNALLY, Kevin Francis→
Activedirector · ~50y · appointed 2019-10-24
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (17 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-02
change-person-director-company-with-change-date
officers · CH01
2025-06-13
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-24
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2023-06-21
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-21
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-06-21
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-06-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-07
change-account-reference-date-company-previous-extended
accounts · AA01
2021-07-16