IFC HOLDINGS LIMITED

🌳Matureactive
SC126718 · ltd · incorporated 1990-08-15
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
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pursue
Active trading company with a 74-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (73/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

7 live charges · 7 lenders · oldest 35.6y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 35.6 years old — likely at or near maturity.
  • · 7 lenders named — inter-creditor friction likely.
  • · Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (61/100)

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
No iXBRL financials extracted
0
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
16 officers (5 active, 16 linked, 11 with DOB)
84
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
19 connected companies via shared directors
90
Filing history
159 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (57 events)Click to expand
  1. 2025-12-29
    📄
    accounts-with-accounts-type-group
    accounts · AA
  2. 2024-12-13
    📄
    accounts-with-accounts-type-group
    accounts · AA
  3. 2023-12-27
    📄
    accounts-with-accounts-type-group
    accounts · AA
  4. 2023-07-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  5. 2023-07-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2022-10-19
    📄
    accounts-with-accounts-type-group
    accounts · AA
  7. 2021-11-05
    📄
    accounts-with-accounts-type-group
    accounts · AA
  8. 2020-10-15
    📄
    accounts-with-accounts-type-group
    accounts · AA
  9. 2020-01-03
    📄
    accounts-with-accounts-type-group
    accounts · AA
  10. 2019-08-23
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2019-08-19
    ➕
    MCNICOL, Gregor John appointed
    director
  12. 2019-06-14
    ➖
    RENNIE, James Ross resigned
    director
  13. 2019-06-14
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2018-12-27
    📄
    accounts-with-accounts-type-group
    accounts · AA
  15. 2017-10-05
    📄
    accounts-with-accounts-type-group
    accounts · AA
  16. 2017-08-18
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  17. 2017-08-18
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  18. 2017-08-17
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  19. 2016-02-01
    ➕
    BUCHAN, Gordon Andrew appointed
    director
  20. 2015-01-09
    🔓
    Charge satisfied #6
  21. 2014-12-17
    🔒
    Charge registered #7
    Lender: Hsbc Bank PLC
  22. 2014-12-16
    ➖
    MILNE, Kevin Dawson resigned
    director
  23. 2014-12-16
    ➕
    RENNIE, James Ross appointed
    director
  24. 2014-12-16
    ➖
    STEWART, Ian Renshaw resigned
    director
  25. 2013-02-20
    ➕
    BURNESS PAULL LLP appointed
    corporate-secretary
  26. 2013-02-20
    ➖
    PAULL & WILLIAMSONS LLP resigned
    corporate-secretary
  27. 2010-08-19
    🔓
    Charge satisfied #5
  28. 2010-08-19
    🔓
    Charge satisfied #4
  29. 2010-08-19
    🔓
    Charge satisfied #3
  30. 2010-08-10
    🔓
    Charge satisfied #2
  31. 2010-08-02
    🔒
    Charge registered #6
    Lender: Clydesdale Bank PLC
  32. 2009-04-06
    ➖
    PAULL & WILLIAMSONS resigned
    corporate-secretary
  33. 2009-04-06
    ➕
    PAULL & WILLIAMSONS LLP appointed
    corporate-secretary
  34. 2006-11-23
    ➕
    MILNE, Kevin Dawson appointed
    director
  35. 2006-11-23
    🔒
    Charge registered #5
    Lender: Hellas Finance Corporation S.A.
  36. 2006-11-23
    🔒
    Charge registered #4
    Lender: Francis Clark
  37. 2006-11-23
    🔒
    Charge registered #3
    Lender: Michael Clark
  38. 2004-08-14
    ➖
    CLARK, Francis, Dr resigned
    director
  39. 1998-02-25
    ➕
    PAULL & WILLIAMSONS appointed
    corporate-secretary
  40. 1998-02-25
    ➖
    PETERKINS resigned
    corporate-secretary
  41. 1996-01-18
    🔓
    Charge satisfied #1
  42. 1995-10-06
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  43. 1995-09-01
    ➖
    CAMERON, Heather Ogilvy resigned
    director
  44. 1992-08-15
    ➖
    HUNTER, Neil Cameron resigned
    nominee-director
  45. 1992-08-15
    ➖
    RENNIE, Thomas George resigned
    nominee-director
  46. 1992-07-29
    ➖
    RIIS, Knud Uhrenfeldt resigned
    director
  47. 1991-09-30
    ➕
    STEWART, Ian Renshaw appointed
    director
  48. 1991-02-16
    ➕
    CAMERON, Heather Ogilvy appointed
    director
  49. 1990-12-04
    ➕
    CLARK, Michael William Gordon appointed
    director
  50. 1990-12-04
    ➕
    CLARK (JNR), Francis appointed
    director
Showing most recent 50 of 57 events

Owner dependency

65/100
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.
  • +Long-tenure founder: Senior director has been in place 35 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 74 — succession pressure is live.

Succession & seller-readiness

90/100
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 74 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 35 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 36 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

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Clipper Holdings Limited holds 25-50% — a significant corporate investor but not a controlling parent.

🏛️
Clipper Holdings Limited
Corporate parent · holds 25-50% shares
significant stake
⬇
IFC HOLDINGS LIMITED
This company · SC126718

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

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Annette Gyrit Clark
Individual · British · DOB 05/1956 · age 70
25–50%
25–50%25-50% shares · 25-50% voting15/08/2017
Clipper Holdings Limited
Corporate entity
25–50%
25–50%25-50% shares · 25-50% voting15/08/2017

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
Incorporated1990-08-15
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

2 Marischal Square
Broad Street
Aberdeen
AB10 1DQ
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-29
Last: 2025-08-15

Officers (5 active · 11 resigned)

BURNESS PAULL LLP→
corporate-secretary · appointed 2013-02-20
View their other companies + combined net worth →
Active
BUCHAN, Gordon Andrew→
director · ~74y · appointed 2016-02-01
View their other companies + combined net worth →
Active
CLARK, Michael William Gordon→
director · ~70y · appointed 1990-12-04
View their other companies + combined net worth →
Active
CLARK (JNR), Francis→
director · ~74y · appointed 1990-12-04
View their other companies + combined net worth →
Active
MCNICOL, Gregor John→
director · ~62y · appointed 2019-08-19
View their other companies + combined net worth →
Active
PAULL & WILLIAMSONS→
corporate-secretary · appointed 1998-02-25 · resigned 2009-04-06
Resigned
PAULL & WILLIAMSONS LLP→
corporate-secretary · appointed 2009-04-06 · resigned 2013-02-20
Resigned
PETERKINS→
corporate-secretary · appointed 1990-08-15 · resigned 1998-02-25
Resigned
CAMERON, Heather Ogilvy→
director · ~87y · appointed 1991-02-16 · resigned 1995-09-01
Resigned
CLARK, Francis, Dr→
director · ~100y · appointed 1990-12-04 · resigned 2004-08-14
Resigned
HUNTER, Neil Cameron→
nominee-director · appointed 1990-08-15 · resigned 1992-08-15
Resigned
MILNE, Kevin Dawson→
director · ~67y · appointed 2006-11-23 · resigned 2014-12-16
Resigned
RENNIE, James Ross→
director · ~48y · appointed 2014-12-16 · resigned 2019-06-14
Resigned
RENNIE, Thomas George→
nominee-director · ~79y · appointed 1990-08-15 · resigned 1992-08-15
Resigned
RIIS, Knud Uhrenfeldt→
director · ~97y · appointed 1990-12-04 · resigned 1992-07-29
Resigned
STEWART, Ian Renshaw→
director · ~77y · appointed 1991-09-30 · resigned 2014-12-16
Resigned

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

Mortgages & charges

7
Total charges
1
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
outstanding
HSBC
Hsbc Bank PLC
A registered charge1 property17/12/2014—
satisfied
Virgin Money
Clydesdale Bank PLC
Floating charge1 property02/08/201009/01/2015
satisfied
Hellas Finance Corporation S.A.
Bond & floating charge1 property23/11/200619/08/2010
satisfied
Francis Clark
Bond & floating charge1 property23/11/200619/08/2010
satisfied
Michael Clark
Bond & floating charge1 property23/11/200619/08/2010
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property06/10/199510/08/2010
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property28/08/199018/01/1996
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (159 total)

accounts-with-accounts-type-group
accounts · AA
2025-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-19
accounts-with-accounts-type-group
accounts · AA
2024-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-19
accounts-with-accounts-type-group
accounts · AA
2023-12-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-07-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-07-10
accounts-with-accounts-type-group
accounts · AA
2022-10-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-17
accounts-with-accounts-type-group
accounts · AA
2021-11-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-27
accounts-with-accounts-type-group
accounts · AA
2020-10-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-18
accounts-with-accounts-type-group
accounts · AA
2020-01-03