BUSINESS LOANS SCOTLAND

🌳Matureactive

SC500710 · private-limited-guarant-nsc-limited-exemption · incorporated 2015-03-17

Investment thesis

Looks cheap but ownership + security both unclear — probable value trap.

Why interesting: Headline metrics may be attractive.

Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.

Opportunity decay

approaching window · 12-months

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

· Oldest live charge 9.1y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Fund management activities

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 73-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (63/100, director aged 73). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · oldest 9.1y

85/100

ready

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

· Oldest live charge is 9.1 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 20/100 — clean.

Data confidence

Overall: low (52/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

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

Directors & officers

32 officers (7 active, 32 linked, 30 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

12 connected companies via shared directors

Filing history

90 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

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (80 events)Click to expand

2025-12-18
📄
accounts-with-accounts-type-small
accounts · AA
2025-08-12
➕
GALL, Iain Alastair appointed
director
2025-08-12
➖
WALKER, Lesley Elizabeth resigned
director
2025-08-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-08-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-01-10
📄
accounts-with-accounts-type-small
accounts · AA
2023-12-01
📄
accounts-with-accounts-type-small
accounts · AA
2023-08-17
➕
WEIR, George Robertson Shaw appointed
director
2023-08-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-07-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-06-30
➖
HENDERSON, Peter resigned
director
2023-06-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-06-02
➕
WALKER, Lesley Elizabeth appointed
director
2023-05-05
➕
WATSON, Margaret appointed
director
2023-05-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-03-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-03-03
➖
CHEAPE, David Maxwell resigned
director
2022-12-21
📄
accounts-with-accounts-type-small
accounts · AA
2022-12-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-12-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-12-02
➕
CHEAPE, David Maxwell appointed
director
2022-12-02
➖
SMITH, Graham David resigned
director
2022-08-11
➕
FAGAN, Joseph James appointed
director
2022-08-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-05-26
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-05-16
➖
GRAHAM, Allan George resigned
director
2022-03-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-02-25
➖
HODGSON, Sharon resigned
director
2021-12-15
📄
accounts-with-accounts-type-small
accounts · AA
2021-12-08
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-12-03
➖
WATT, Mandy Helen resigned
director
2021-03-18
📄
accounts-with-accounts-type-small
accounts · AA
2020-11-06
➕
STEVENSON, Pamela appointed
director
2020-11-06
➖
BREMNER, Ishabel Jane resigned
director
2020-11-06
➖
COULL, Theresa Ann resigned
director
2020-11-06
➖
DUFF, Douglas Stirling resigned
director
2020-11-06
➕
HENDERSON, Peter appointed
director
2020-11-06
➖
MAGUIRE, Allan Gerald resigned
director
2020-11-06
➖
ROSS, Alan George resigned
director
2020-03-31
➖
SNEDDON, George Young resigned
director
2020-03-05
➕
ROSS, Alan George appointed
director
2020-03-05
➖
SHORT, Lynne Robertson resigned
director
2019-11-05
➖
CAMPBELL, Kate Rosa resigned
director
2019-11-05
➕
WATT, Mandy Helen appointed
director
2019-03-08
➕
SMITH, Graham David appointed
director
2019-02-11
🔓
Charge satisfied #2
2018-11-23
➖
GOW, Allan resigned
director
2018-10-29
➕
BREMNER, Ishabel Jane appointed
director
2018-10-29
➖
REID, Alan resigned
director
2018-09-25
➕
COULL, Theresa Ann appointed
director

Showing most recent 50 of 80 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 73 — succession pressure is live.

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 73 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.)

🔒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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BEAUFORT BARDOT LIMITED→ SC707688 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
BLS MANAGEMENT SERVICES LIMITED→ SC615552 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
CARA ESTATE PLANNING LIMITED→ SC686824 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
CARA MORTGAGE SERVICES LTD→ SC312023 · est 2006 · no financials extracted	—	—	—	—	19y	—	—
CATHERINE MCNIVEN COMMERCIAL & BUSINESS FINANCE LTD→ SC879498 · est 2026 · no financials extracted	—	—	—	—	—	—	—
CPF BUSINESS FINANCE LTD→ SC799141 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
DAVID MUNRO FINANCIAL SERVICES LIMITED→ SC350315 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
DB HALO LTD→ SC861463 · est 2025 · no financials extracted	—	—	—	—	—	—	—
DICKSON AND CO WEALTH MANAGEMENT LTD→ SC770420 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
DPGG INVESTMENTS LTD→ SC777023 · est 2023 · no financials extracted	—	—	—	—	2y	—	—

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.

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Company details

Statusactive

Typeprivate-limited-guarant-nsc-limited-exemption

Incorporated2015-03-17

Jurisdictionscotland

Primary SIC66300 — Fund management activities

Registered office

London Road Centre

London Road

Kilmarnock

Ayrshire

KA3 7BU

Scotland

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-03-29

Last: 2026-03-15