COZBER HOLDINGS LTD
🌿Early-stageactive
SC758759 · ltd · incorporated 2023-02-14
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£-4.4k
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Hotels and similar accommodation
Sector: Accommodation & food service
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 71/100 (strong), bankability 52/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100).
🏦
Refinance opportunity
4 live charges · 3 lenders · oldest 3.1y
25/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~3.1 years — mid-life; refi window approaching.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
11 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Negative net assets
Liabilities exceed assets by £4,446
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£4k
↑ 74% YoY
Current Assets
£2
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £254.4k | £-16.9k |
| Current assets | £2 | £2 |
| Debtors | £2 | £2 |
| Net assets | £-4.4k | £-16.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 signals 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
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (15 events)Click to expand
- 2025-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-02📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-03-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-20🔒Charge registered #3Lender: Ortus Secured Finance I Limited
- 2024-03-15🔒Charge registered #4Lender: Ortus Secured Finance I Limited
- 2023-03-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-07🔒Charge registered #1Lender: Fcg Finance LTD and Acuity Capital Limited
- 2023-03-02🔒Charge registered #2Lender: Acuity Capital Limited
- 2023-02-14🏢Company incorporatedAs COZBER HOLDINGS LTD
- 2023-02-14➕BERWICK, Alan Simon appointeddirector
- 2023-02-14➕COZMA, Nicoleta Camelia appointeddirector
- 2023-02-14📄incorporation-companyincorporation · NEWINC
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alan Simon Berwick Individual · British · DOB 10/1975 · age 51 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 14/02/2023 |
Mrs Nicoleta Camelia Cozma Individual · Romanian · DOB 10/1983 · age 43 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 14/02/2023 |
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 · Hospitality · PH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CAFE CONNECT @ THE MADOCH CENTRE LTD→ SC722424 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CALEY LEASING LIMITED→ SC876647 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CASTLE GRANT LTD→ SC831358 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| COFFEE AT THE ROSE HOUSE LIMITED→ SC554854 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| COUPAR FOODS LTD→ SC777174 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| COW AND PARROT LIMITED→ SC846687 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CRABBITMIDGE LTD→ SC625062 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CRIEFF HYDRO LIMITED→ SC000268 · est 1867 · no financials extracted | — | — | — | — | 158y | — | — |
| CROFT 52 CABINS LIMITED→ SC850883 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CROFTDOUGLAS VACATION & LEISURE SERVICES LTD→ SC683040 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CROFTNESS COTTAGES LIMITED→ SC803128 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| CROMAR'S RESTAURANTS LTD→ SC262079 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2023-02-14
Jurisdictionscotland
Primary SIC55100 — Hotels and similar accommodation
Registered office
62d Carnegie Place
Perth
PH1 5ED
Scotland
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-02-27
Last: 2026-02-13
Officers (2 active · 0 resigned)
BERWICK, Alan Simon→
Activedirector · ~51y · appointed 2023-02-14
View their other companies + combined net worth →
COZMA, Nicoleta Camelia→
Activedirector · ~43y · appointed 2023-02-14
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
4
Outstanding
3
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Ortus Secured Finance I Ortus Secured Finance I Limited | A registered charge | 1 property | 20/03/2024 | — | |
| outstanding | Ortus Secured Finance I Ortus Secured Finance I Limited | A registered charge | — | 15/03/2024 | — | |
| outstanding | Fcg Finance and Acuity Capital Fcg Finance LTD and Acuity Capital Limited | A registered charge | 1 property | 07/03/2023 | — | |
| outstanding | Acuity Capital / Fcg Finance Acuity Capital Limited / Fcg Finance LTD | A registered charge | — | 02/03/2023 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (11 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-24
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-05-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-09
incorporation-company
incorporation · NEWINC
2023-02-14