SCOTIA (CITY & SHIRE) LIMITED

🌳Matureactive
SC527120 · ltd · incorporated 2016-02-17
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
—
not disclosed
Net worth
—
book net assets
Opportunity
63/100
Worth a look
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 63/100 (worth a look), bankability 37/100. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

6 live charges · 6 lenders · oldest 9.9y

35/100
too messy

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

  • · Oldest live charge is 9.9 years old — likely at or near maturity.
  • · 6 lenders named — inter-creditor friction likely.
  • · Legal-friction score 38/100 — 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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
15 officers (5 active, 15 linked, 13 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
24 connected companies via shared directors
90
Filing history
50 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
63/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
45
Concerning — overdue filings or status flags present.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
56
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
1
filing
  • • 1 officers
Last 90 days
2
filings
  • • 1 officers
  • • 1 confirmation-statement
Last 180 days
3
filings
  • • 2 officers
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (53 events)Click to expand
  1. 2026-03-26
    ➕
    MORRICE, Craig Sutherland appointed
    director
  2. 2026-03-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  3. 2026-01-13
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  4. 2026-01-09
    ➖
    BEATON, Carol Anne resigned
    director
  5. 2025-08-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2025-07-31
    ➖
    REID, Graham resigned
    director
  7. 2025-04-04
    📄
    accounts-with-accounts-type-medium
    accounts · AA
  8. 2024-04-04
    📄
    accounts-with-accounts-type-small
    accounts · AA
  9. 2024-03-01
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  10. 2024-02-29
    ➖
    HMS SECRETARIES LIMITED resigned
    corporate-secretary
  11. 2023-10-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2023-09-18
    ➖
    BOYLE, Patrick Joseph resigned
    director
  13. 2023-07-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2023-07-18
    🔒
    Charge registered #6
    Lender: Bank of Scotland PLC (As Defined in the Instrument Evidencing the Charge Accompanying This Form MR01)
  15. 2023-02-06
    📄
    accounts-with-accounts-type-small
    accounts · AA
  16. 2023-01-04
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2022-12-31
    ➖
    BRUCE, William Martin resigned
    director
  18. 2022-12-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  19. 2022-11-30
    ➖
    LONIE, Andrew John resigned
    director
  20. 2022-08-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2022-08-06
    📄
    mortgage-alter-floating-charge-with-number
    mortgage · 466(Scot)
  22. 2022-08-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  23. 2022-08-03
    🔒
    Charge registered #5
    Lender: Drumrossie Land Development Company Limited
  24. 2022-07-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  25. 2022-07-26
    🔒
    Charge registered #4
    Lender: Trustees of Captain Farquharson of Invercauld No. 2 Trust
  26. 2022-05-25
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  27. 2022-05-25
    🔓
    Charge satisfied #2
  28. 2022-02-18
    📄
    accounts-with-accounts-type-small
    accounts · AA
  29. 2021-09-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  30. 2021-09-13
    🔒
    Charge registered #3
    Lender: James William Benton
  31. 2021-06-28
    📄
    accounts-with-accounts-type-small
    accounts · AA
  32. 2021-05-14
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  33. 2021-05-04
    ➕
    BRUCE, William Martin appointed
    director
  34. 2021-05-04
    ➕
    REID, Graham appointed
    director
  35. 2021-02-26
    🔒
    Charge registered #2
    Lender: Keith Paterson
  36. 2020-07-22
    ➕
    HMS SECRETARIES LIMITED appointed
    corporate-secretary
  37. 2020-05-28
    ➕
    CAMERON, David John appointed
    director
  38. 2020-05-28
    ➕
    LINTON, Bruce Reid appointed
    director
  39. 2020-05-28
    ➖
    BURNESS PAULL LLP resigned
    corporate-secretary
  40. 2020-05-28
    ➖
    MCLEOD, William Lind resigned
    director
  41. 2016-08-31
    ➖
    DRYBURGH, Roy Smith resigned
    director
  42. 2016-05-12
    🔒
    Charge registered #1
    Lender: Bank of Scotland PLC
  43. 2016-05-05
    ➖
    BRUCE, William Martin resigned
    director
  44. 2016-02-17
    🏢
    Company incorporated
    As SCOTIA (CITY & SHIRE) LIMITED
  45. 2016-02-17
    ➕
    BEGBIE, Richard Gerard appointed
    director
  46. 2016-02-17
    ➕
    GERRARD, Gary James appointed
    director
  47. 2016-02-17
    ➕
    BURNESS PAULL LLP appointed
    corporate-secretary
  48. 2016-02-17
    ➕
    BEATON, Carol Anne appointed
    director
  49. 2016-02-17
    ➕
    BOYLE, Patrick Joseph appointed
    director
  50. 2016-02-17
    ➕
    BRUCE, William Martin appointed
    director
Showing most recent 50 of 53 events

Owner dependency

55/100
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.
  • +Founder age: Director aged approximately 84 — succession pressure is live.

Succession & seller-readiness

60/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 84 years old. Natural succession window is now.

Red flags

1 high · 1 med · 1 low
Accounts overdue
high

Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.

Evidence: Next due: 2026-03-31

2 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: BEATON, Carol Anne resigned 2026-01-09; REID, Graham resigned 2025-07-31

5 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

Scotia Homes (Holdings) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Scotia Homes (Holdings) Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
SCOTIA (CITY & SHIRE) LIMITED
This company · SC527120

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%
NameSharesVoting rightsNature of controlNotified
Scotia Homes (Holdings) Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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 · Trade services · G postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
4 U 2 LTD→
SC532350 · est 2016 · no financials extracted
————10y——
451 FOOTBALL CONSULTANCY LIMITED→
SC534448 · est 2016 · no financials extracted
————9y——
A CANADIAN IN EUROPE LTD→
SC333381 · est 2007 · no financials extracted
————18y——
A1 PROPERTIES (SCOTLAND) LTD→
SC548898 · est 2016 · no financials extracted
————9y——
A7 DRY CLEANER LTD→
SC875779 · est 2026 · no financials extracted
———————
AAPA LIMITED→
SC359888 · est 2009 · no financials extracted
————16y——
AB FAB HAIR LIMITED→
SC256561 · est 2003 · no financials extracted
————22y——
ABC PROFESSIONAL OFFICE CLEANERS LTD.→
SC388860 · est 2010 · no financials extracted
————15y——
ABERCROMBY & FRINGE HAIR LTD→
SC486386 · est 2014 · no financials extracted
————11y——
ABERDEEN FUNERAL DIRECTORS LIMITED→
SC484801 · est 2014 · no financials extracted
————11y——
ABI SOLUTIONS LIMITED→
SC424291 · est 2012 · no financials extracted
————13y——
ABLE BATHING LIMITED→
SC866387 · est 2025 · no financials extracted
———————
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

10 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
Incorporated2016-02-17
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

The Ca'D'Oro
45 Gordon Street
Glasgow
G1 3PE
Scotland

Filing status

Accounts
Next due: 2026-03-31OVERDUE
Last made up to: 2024-06-30
Confirmation statement
Next due: 2027-03-03
Last: 2026-02-17

Officers (5 active · 10 resigned)

BEGBIE, Richard Gerard→
director · ~46y · appointed 2016-02-17
View their other companies + combined net worth →
Active
CAMERON, David John→
director · ~84y · appointed 2020-05-28
View their other companies + combined net worth →
Active
GERRARD, Gary James→
director · ~61y · appointed 2016-02-17
View their other companies + combined net worth →
Active
LINTON, Bruce Reid→
director · ~73y · appointed 2020-05-28
View their other companies + combined net worth →
Active
MORRICE, Craig Sutherland→
director · ~36y · appointed 2026-03-26
View their other companies + combined net worth →
Active
BURNESS PAULL LLP→
corporate-secretary · appointed 2016-02-17 · resigned 2020-05-28
Resigned
HMS SECRETARIES LIMITED→
corporate-secretary · appointed 2020-07-22 · resigned 2024-02-29
Resigned
BEATON, Carol Anne→
director · ~61y · appointed 2016-02-17 · resigned 2026-01-09
Resigned
BOYLE, Patrick Joseph→
director · ~53y · appointed 2016-02-17 · resigned 2023-09-18
Resigned
BRUCE, William Martin→
director · ~62y · appointed 2021-05-04 · resigned 2022-12-31
Resigned
BRUCE, William Martin→
director · ~62y · appointed 2016-02-17 · resigned 2016-05-05
Resigned
DRYBURGH, Roy Smith→
director · ~69y · appointed 2016-02-17 · resigned 2016-08-31
Resigned
LONIE, Andrew John→
director · ~61y · appointed 2016-02-17 · resigned 2022-11-30
Resigned
MCLEOD, William Lind→
director · ~77y · appointed 2016-02-17 · resigned 2020-05-28
Resigned
REID, Graham→
director · ~45y · appointed 2021-05-04 · resigned 2025-07-31
Resigned

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

Mortgages & charges

6
Total charges
5
Outstanding
4
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC (As Defined in the Instrument Evidencing the Charge Accompanying This Form MR01)
A registered charge1 property18/07/2023—
outstanding
Drumrossie Land Development Company
Drumrossie Land Development Company Limited
A registered charge1 property03/08/2022—
outstanding
Trustees of Captain Farquharson of Invercauld No. 2 Trust
A registered charge1 property26/07/2022—
outstanding
James William Benton / Mary Benton
A registered charge1 property13/09/2021—
satisfied
Keith Paterson
A registered charge1 property26/02/202125/05/2022
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—12/05/2016—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (50 total)

appoint-person-director-company-with-name-date
officers · AP01
2026-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-17
termination-director-company-with-name-termination-date
officers · TM01
2026-01-13
termination-director-company-with-name-termination-date
officers · TM01
2025-08-01
accounts-with-accounts-type-medium
accounts · AA
2025-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-26
accounts-with-accounts-type-small
accounts · AA
2024-04-04
termination-secretary-company-with-name-termination-date
officers · TM02
2024-03-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-20
termination-director-company-with-name-termination-date
officers · TM01
2023-10-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-23
accounts-with-accounts-type-small
accounts · AA
2023-02-06
termination-director-company-with-name-termination-date
officers · TM01
2023-01-04
termination-director-company-with-name-termination-date
officers · TM01
2022-12-06