XL GLOBAL GROUP LIMITED
🏛️Establishedactive
SC547315 · ltd · incorporated 2016-10-10
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
£3.34M
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Activities of head offices
Sector: Professional, scientific & technical
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 75/100 (strong), bankability 67/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 9.4y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 9.4 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (83/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
33 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £3,336,739
Net assets shrinking
Down £346,954 YoY
Cash YoY
+1330%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£4k
↑ 1330% YoY
Net Worth
£3.3m
↓ 9.4% YoY
Current Assets
£2.5m
↓ 1.1% 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 | £3.42M | £3.80M |
| Current assets | £2.49M | £2.52M |
| Cash | £4.4k | £309 |
| Debtors | £2.48M | £2.51M |
| Net assets | £3.34M | £3.68M |
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
2
filings
- • 2 officers
Last 90 days
2
filings
- • 2 officers
Last 180 days
3
filings
- • 2 officers
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2026-04-11📄change-person-director-company-with-change-dateofficers · CH01
- 2026-04-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-01➕LAIRD, Yasmin Alanah appointeddirector
- 2026-01-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-02-21🔓Charge satisfied #1
- 2023-02-08🔒Charge registered #3Lender: Bank of Scotland PLC
- 2023-01-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-01-24🔓Charge satisfied #2
- 2022-08-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-20📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2019-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-04-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-03-29🔒Charge registered #2Lender: Kelvin Ralph Draper
- 2018-05-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-13📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2016-12-14🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2016-10-10🏢Company incorporatedAs XL GLOBAL GROUP LIMITED
- 2016-10-10➕LAIRD, Colin appointeddirector
- 2016-10-10➕COWIE, Simon Henry Dyer appointeddirector
- 2016-10-10➖COWIE, Simon Henry Dyer resigneddirector
Owner dependency
81/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
16/100
No succession signalNo meaningful acquirability indicators from public data.
SIGNALS
- primaryFamily succession underway: Not a takeover target — LAIRD, Yasmin Alanah (same surname) appointed 2026-04-01. Pattern consistent with intra-family handover.
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Colin Laird Individual · British · DOB 11/1960 · age 66 | 75–100% | — | 75-100% shares | 11/10/2016 |
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 · Professional services · AB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A GREENCIRCLE ENGINEERING AND CONSULTING LTD→ SC847868 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A J R FACILITIES CONSULTANCY LTD→ SC544953 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A JOB IN KNOCK LIMITED→ SC304240 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ADRESTRIA PROJECTS LTD→ SC666827 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AE ECONOMICS LIMITED→ SC613612 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AECS GRAY ENGINEERING LTD.→ SC322000 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| AGENTS OF DIGITAL CHANGE LTD→ SC808950 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AGGREGATE TECHNOLOGY HOLDINGS LIMITED→ SC860628 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AGM ACCOUNTANCY SERVICES LIMITED→ SC409480 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| AJD CONSULTANCY SERVICES LIMITED→ SC248282 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| AKADDTECH LIMITED→ SC354359 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| AKB TAX LIMITED→ SC739779 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2016-10-10
Jurisdictionscotland
Primary SIC70100 — Activities of head offices
Registered office
Xl House Woodburn Road
Blackburn
Aberdeen
AB21 0PS
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-23
Last: 2025-10-09
Officers (2 active · 1 resigned)
LAIRD, Colin→
Activedirector · ~66y · appointed 2016-10-10
View their other companies + combined net worth →
LAIRD, Yasmin Alanah→
Activedirector · ~34y · appointed 2026-04-01
View their other companies + combined net worth →
COWIE, Simon Henry Dyer→
Resigneddirector · ~53y · appointed 2016-10-10 · resigned 2016-10-10
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 08/02/2023 | — | |
| satisfied | Kelvin Ralph Draper / Kelvin John Edwards / Mark Anthony Thomas | A registered charge | 1 property | 29/03/2019 | 24/01/2023 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 14/12/2016 | 21/02/2023 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (33 total)
change-person-director-company-with-change-date
officers · CH01
2026-04-11
appoint-person-director-company-with-name-date
officers · AP01
2026-04-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-21
mortgage-satisfy-charge-full
mortgage · MR04
2023-02-21
mortgage-satisfy-charge-full
mortgage · MR04
2023-01-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-14