ATHOLL SCOTT FINANCIAL SERVICES LIMITED

🌳Matureactive

SC108824 · ltd · incorporated 1988-01-20

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

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 35.0y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jun 2025

Net worth

£233.4k

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (60/100, director aged 59). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · oldest 35.0y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 35.0 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (74/100)

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

13 officers (6 active, 13 linked, 10 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

9 connected companies via shared directors

Filing history

136 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Positive net assets

Net assets £233,417

Key financials

1 year extracted from filed iXBRL accounts

Cash

—

Net Worth

£233k

Current Assets

£430k

Current Liabilities

—

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-06-30
Total assets	£233.4k
Current assets	£430.0k
Net assets	£233.4k

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (41 events)Click to expand

2025-09-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-13
📄
change-account-reference-date-company-current-shortened
accounts · AA01
2025-05-02
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-09
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-09
📄
capital-alter-shares-subdivision
capital · SH02
2024-04-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-04-16
📄
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2024-04-15
➕
ARMSTRONG, Nicole appointed
director
2024-04-11
📄
capital-name-of-class-of-shares
capital · SH08
2024-04-05
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-04-05
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-04-05
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-04-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-04-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-13
➕
CHANDAN, Dhawal Vasant appointed
director
2024-03-13
➕
PARPIA, Al-Karim Sarfaraz appointed
director
2023-05-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-06
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-13
📄
change-person-director-company-with-change-date
officers · CH01
2021-01-13
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-11-06
📄
memorandum-articles
incorporation · MA
2016-11-10
➖
SCOTT, Adam Mark resigned
director
2013-02-28
➕
PIRIE, Paul Russell appointed
secretary
2013-02-28
➖
SCOTT, Adam Mark resigned
secretary
2013-02-23
🔓
Charge satisfied #1
2011-08-16
➕
SIM, Eric Charles appointed
director
2009-04-05
➖
SCOTT, David Atholl resigned
director
2006-12-22
➖
GIBSON, Paul resigned
director
2006-02-02
➕
SCOTT, Adam Mark appointed
secretary
2006-02-01
➖
BURNETT & COMPANY resigned
corporate-secretary
2005-04-01
➕
GIBSON, Paul appointed
director
1999-11-30
🔓
Charge satisfied #2
1999-09-30
➖
MARTIN, Alistair Douglas resigned
director
1999-09-28
➕
MITCHELL, Deborah Elizabeth appointed
director
1997-05-23
➖
SHEPHERD, Neil John, Mmr resigned
director
1996-05-01
➕
SHEPHERD, Neil John, Mmr appointed
director
1991-12-09
➕
MARTIN, Alistair Douglas appointed
director
1991-06-27
🔒
Charge registered #2
Lender: The Royal Bank of Scotland PLC
1991-04-26
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
1988-01-20
🏢
Company incorporated
As ATHOLL SCOTT FINANCIAL SERVICES LIMITED

Owner dependency

58/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

60/100

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.
primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
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.)

Group structure

Satus Capital Ltd holds majority control (50-75%). Likely parent but not wholly-owned.

🏛️

Satus Capital Ltd

Corporate parent · holds 50-75% shares · board control

majority

⬇

ATHOLL SCOTT FINANCIAL SERVICES LIMITED

This company · SC108824

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Satus Capital Ltd Corporate entity	50–75%	50–75%	board control50-75% shares · 50-75% voting · board control	01/01/2024

2 historic (ceased) PSCs

Mrs Deborah Elizabeth Mitchellceased 31/12/2023· 50-75% shares · 50-75% voting · board control
Mr Eric Charles Simceased 31/12/2023· 25-50% shares · 25-50% voting

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

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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

Incorporated1988-01-20

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Victoria House

13 Victoria Street

Aberdeen

AB10 1XB

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2027-01-28

Last: 2026-01-14