ANDREW SCOTT (INVESTMENTS AND FINANCE) LIMITED

🌳Matureactive
00977853 · ltd · incorporated 1970-04-23
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 53.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£1.66M
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 83-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (68/100, director aged 83). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 53.1y

85/100
ready

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

  • · Oldest live charge is 53.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (79/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
106 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
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 declared
Positive net assets
Net assets £1,660,774
Cash YoY
+3%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£363k
↑ 3.3% YoY
Net Worth
£1.7m
~ YoY
Current Assets
£368k
↑ 2.7% YoY
Current Liabilities
—
£0£332k£664k£996k£1.3m£1.7mApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-302024-04-30
Total assets£1.78M£1.77M
Current assets£367.9k£358.1k
Cash£363.1k£351.7k
Debtors£4.8k£6.4k
Net assets£1.66M£1.65M

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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2025-11-13
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  2. 2025-11-13
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  3. 2025-11-13
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  4. 2025-11-13
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2025-10-12
    ➕
    SILVER, Andrew Harris appointed
    secretary
  6. 2025-10-12
    ➕
    SILVER, Andrew Harris appointed
    director
  7. 2025-10-12
    ➖
    SILVER, Pamela resigned
    secretary
  8. 2025-10-12
    ➖
    SILVER, Pamela resigned
    director
  9. 2025-08-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2024-09-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2023-10-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-09-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-11-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2020-10-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-09-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2017-08-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2017-05-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2016-07-26
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  20. 2010-09-07
    🔓
    Charge satisfied #1
  21. 1996-04-03
    ➖
    GODFREY, Isaac Irving resigned
    director
  22. 1973-06-11
    🔒
    Charge registered #1
    Lender: Williams & Glyn's Bank LTD
  23. 1970-04-23
    🏢
    Company incorporated
    As ANDREW SCOTT (INVESTMENTS AND FINANCE) LIMITED

Owner dependency

81/100
Critical — business is the founder

The 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 83 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

66/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 83 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 med ·
2 director resignations in last 12 months
medium

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

Evidence: SILVER, Pamela resigned 2025-10-12; SILVER, Pamela resigned 2025-10-12

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Pamela Silver
Individual · British · DOB 01/1945 · age 81
50–75%
50–75%50-75% shares · 50-75% voting06/04/2016
Mr Leonard Silver
Individual · British · DOB 04/1943 · age 83
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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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
Incorporated1970-04-23
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

First Floor, Winston House
349 Regents Park Road
London
N3 1DH
United Kingdom

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-10-14
Last: 2025-09-30

Officers (3 active · 3 resigned)

SILVER, Andrew Harris→
secretary · appointed 2025-10-12
View their other companies + combined net worth →
Active
SILVER, Andrew Harris→
director · ~57y · appointed 2025-10-12
View their other companies + combined net worth →
Active
SILVER, Leonard→
director · ~83y
View their other companies + combined net worth →
Active
SILVER, Pamela→
secretary · resigned 2025-10-12
Resigned
GODFREY, Isaac Irving→
director · ~116y · resigned 1996-04-03
Resigned
SILVER, Pamela→
director · ~81y · resigned 2025-10-12
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Williams & Glyn's Bank
Williams & Glyn's Bank LTD
Legal charge1 property11/06/197307/09/2010

Recent filings (106 total)

appoint-person-secretary-company-with-name-date
officers · AP03
2025-11-13
termination-secretary-company-with-name-termination-date
officers · TM02
2025-11-13
termination-director-company-with-name-termination-date
officers · TM01
2025-11-13
appoint-person-director-company-with-name-date
officers · AP01
2025-11-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-19
confirmation-statement-with-updates
confirmation-statement · CS01
2021-10-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-08