EXCEL TRUST COMPANY LIMITED
🌳Matureactive
03325200 · ltd · incorporated 1997-02-27
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£3.20M
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle. Family succession underway — not a classic acquisition target.
Opportunity 80/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (76/100)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
Confirmed no charges registered
85
Directors & officers
8 officers (4 active, 8 linked, 4 with DOB)
80
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
91 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £3,202,487
Cash YoY
+78%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£28k
↑ 78% YoY
Net Worth
£3.2m
↑ 5.0% YoY
Current Assets
—
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 | £3.33M | £3.09M |
| Current assets | — | £15.9k |
| Cash | £28.3k | £15.9k |
| Net assets | £3.20M | £3.05M |
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 (29 events)Click to expand
- 2025-12-06📄capital-allotment-sharescapital · SH01
- 2025-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-08➕SCOTT, David Peter Anthony appointeddirector
- 2025-07-08➕SCOTT, Timothy Andrew Gavin appointeddirector
- 2025-07-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-12-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-04📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-01-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-07-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-07-22➖SCOTT, Anthony Gavin resigneddirector
- 2021-05-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-01-03📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2017-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2003-11-19➕SCOTT, Edna appointedsecretary
- 2003-11-19➖AFS KINGSCROFT LIMITED resignedcorporate-secretary
- 1997-10-01➕SCOTT, Edna appointeddirector
- 1997-04-07➕SCOTT, Anthony Gavin appointeddirector
- 1997-03-13➕AFS KINGSCROFT LIMITED appointedcorporate-secretary
- 1997-03-04➖AFS KINGSCROFT LIMITED resignedcorporate-nominee-secretary
- 1997-03-04➖KINGSCROFT DIRECTORS LIMITED resignedcorporate-nominee-director
- 1997-02-27🏢Company incorporatedAs EXCEL TRUST COMPANY LIMITED
- 1997-02-27➕AFS KINGSCROFT LIMITED appointedcorporate-nominee-secretary
- 1997-02-27➕KINGSCROFT DIRECTORS LIMITED appointedcorporate-nominee-director
Owner dependency
83/100
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
- +Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 81 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
40/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFamily succession underway: Not a takeover target — SCOTT, David Peter Anthony (same surname) appointed 2025-07-08. Pattern consistent with intra-family handover.
- primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Edna Scott Individual · British · DOB 11/1945 · age 81 | 75–100% | — | 75-100% shares | 22/07/2021 |
1 historic (ceased) PSC
- Mr Anthony Gavin Scottceased 22/07/2021· significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · YO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CAPITAL CREDIT (LEEDS) LIMITED→ 06849095 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| COUNTRYHEART INVESTMENTS LIMITED→ 11619849 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CRYPTO FLOW LIMITED→ 10808935 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| DBAZ TRADING LTD→ 16337161 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| DVAM LTD→ 15951379 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ELMGROVE FINANCIAL SERVICES LIMITED→ 15126826 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ENTERTAINMENT AND LEISURE INSURANCE SERVICES LIMITED→ 01986896 · est 1986 · no financials extracted | — | — | — | — | 40y | — | — |
| EQUINE AND LIVESTOCK INSURANCE COMPANY LIMITED (THE)→ 00294940 · est 1934 · no financials extracted | — | — | — | — | 91y | — | — |
| EVOL TRADING LIMITED→ 09284428 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| FINANCE IT ANGELS LTD→ 11118400 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| FINANCE OPTIONS LTD→ 13377676 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| FINANCIAL FIONA LTD→ 09278824 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated1997-02-27
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Rose Court 3 Deighton Grove Lane
Crockey Hill
York
Yorkshire
YO19 4SN
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-15
Last: 2025-10-01
Officers (4 active · 4 resigned)
Active
SCOTT, David Peter Anthony→
Activedirector · ~47y · appointed 2025-07-08
View their other companies + combined net worth →
Active
SCOTT, Timothy Andrew Gavin→
Activedirector · ~51y · appointed 2025-07-08
View their other companies + combined net worth →
AFS KINGSCROFT LIMITED→
Resignedcorporate-secretary · appointed 1997-03-13 · resigned 2003-11-19
AFS KINGSCROFT LIMITED→
Resignedcorporate-nominee-secretary · appointed 1997-02-27 · resigned 1997-03-04
SCOTT, Anthony Gavin→
Resigneddirector · ~79y · appointed 1997-04-07 · resigned 2021-07-22
KINGSCROFT DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 1997-02-27 · resigned 1997-03-04
Click a director name to see their full track record across all companies.
Recent filings (91 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-06
capital-allotment-shares
capital · SH01
2025-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-22
appoint-person-director-company-with-name-date
officers · AP01
2025-07-09
appoint-person-director-company-with-name-date
officers · AP01
2025-07-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-03
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-04
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-04-04
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-01-26
termination-director-company-with-name-termination-date
officers · TM01
2021-07-26