SERVICE MILLER & CO. LIMITED

⚰️Wound downdissolved
SC047318 · ltd · incorporated 1970-03-09
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
🔒Estimated value
—
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Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
48/100
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65120Non-life insurance
Investor take
Pass (distressed without resilience)
Distressed unclear — structural issues outweigh the discount.

Opportunity 48/100 (watch), bankability 52/100. Strong seller-intent signal (60/100, director aged 62). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100). Current lenders should be on monthly review.

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 28.1y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 28.1 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 45/100 (high).

Data confidence

Overall: low (50/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
11 officers (2 active, 11 linked, 7 with DOB)
83
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
7 connected companies via shared directors
66
Filing history
109 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
48/100Watch
PassWatchWorth a lookStrongExceptional 

Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.

Business quality
10
Concerning — overdue filings or status flags present.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
41
Multiple red flags — proceed with caution.
Signal strength
100
Good data coverage for analysis.

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 (50 events)Click to expand
  1. 2017-02-18
    ⚠️
    gazette-dissolved-liquidation
    gazette · GAZ2
  2. 2017-02-18
    🏁
    Company dissolved
  3. 2016-11-18
    ⚠️
    liquidation-voluntary-return-of-final-meeting-scotland
    insolvency · 4.26(Scot)
  4. 2015-09-25
    📄
    resolution
    resolution · RESOLUTIONS
  5. 2015-02-26
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  6. 2015-02-17
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  7. 2015-01-30
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2015-01-30
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2015-01-26
    ➕
    PIKE, Matthew William appointed
    director
  10. 2015-01-26
    ➖
    MUGGE, Mark Stephen resigned
    director
  11. 2015-01-19
    📄
    statement-of-companys-objects
    change-of-constitution · CC04
  12. 2015-01-19
    📄
    resolution
    resolution · RESOLUTIONS
  13. 2015-01-12
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  14. 2014-12-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  15. 2014-12-11
    🔓
    Charge satisfied #3
  16. 2014-04-24
    📄
    appoint-person-secretary-company-with-name
    officers · AP03
  17. 2014-04-24
    📄
    appoint-person-director-company-with-name
    officers · AP01
  18. 2014-04-24
    📄
    termination-director-company-with-name
    officers · TM01
  19. 2014-04-24
    📄
    termination-secretary-company-with-name
    officers · TM02
  20. 2014-04-24
    📄
    termination-secretary-company-with-name
    officers · TM02
  21. 2014-04-01
    ➕
    WADE, Jarlath Delphene appointed
    secretary
  22. 2014-04-01
    ➖
    BENEV, Stefan Benkov resigned
    secretary
  23. 2014-04-01
    ➖
    HODSON, Richard Phillip resigned
    director
  24. 2014-04-01
    ➕
    MUGGE, Mark Stephen appointed
    director
  25. 2014-02-24
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  26. 2014-02-21
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  27. 2013-02-14
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  28. 2013-01-15
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  29. 2012-02-21
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  30. 2011-12-19
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  31. 2011-09-01
    📄
    termination-director-company-with-name
    officers · TM01
  32. 2011-08-31
    ➖
    SHAW, Simon Andrew resigned
    director
  33. 2011-02-16
    📄
    accounts-with-accounts-type-full
    accounts · AA
  34. 2011-02-15
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  35. 2006-11-24
    🔒
    Charge registered #3
    Lender: Barclays Bank PLC
  36. 2006-10-26
    🔓
    Charge satisfied #2
  37. 2006-09-29
    ➕
    BENEV, Stefan Benkov appointed
    secretary
  38. 2006-09-29
    ➖
    MCMILLAN, Brian Charles resigned
    secretary
  39. 2006-09-29
    ➕
    HODSON, Richard Phillip appointed
    director
  40. 2006-09-29
    ➖
    MARTIN, Robin resigned
    director
  41. 2006-09-29
    ➖
    ROBERTSON, Paul John resigned
    director
  42. 2006-09-29
    ➕
    SHAW, Simon Andrew appointed
    director
  43. 2006-08-11
    🔓
    Charge satisfied #1
  44. 2005-04-07
    🔒
    Charge registered #2
    Lender: The Ballathie Fishings Timeshare Limited
  45. 2001-03-12
    ➖
    SERVICE, George Maciain resigned
    director
  46. 1998-03-02
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  47. 1990-06-01
    ➕
    MCMILLAN, Brian Charles appointed
    secretary
  48. 1990-06-01
    ➖
    SERVICE, George Maciain resigned
    secretary
  49. 1990-03-01
    ➕
    ROBERTSON, Paul John appointed
    director
  50. 1970-03-09
    🏢
    Company incorporated
    As SERVICE MILLER & CO. LIMITED

Owner dependency

83/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

70/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondaryStable-but-static management: Company is 56 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

2 high · 1 med ·
Company dissolved
high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2017-02-18

2 insolvency-related filings on record
high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2017-02-18: gazette-dissolved-liquidation; 2016-11-18: liquidation-voluntary-return-of-final-meeting-scotland

Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

🔒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

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

Statusdissolved
Typeltd
Incorporated1970-03-09
Jurisdictionscotland
Primary SIC65110 — Life insurance

Registered office

Ground Floor 3 Atlantic Quay
20 York Street
Glasgow
G2 8AE

Filing status

Accounts
Next due: —
Last made up to: 2014-05-31
Confirmation statement
Next due: —
Last: —

Officers (0 active · 9 resigned)

WADE, Jarlath Delphene→
secretary · appointed 2014-04-01
View their other companies + combined net worth →
Active
PIKE, Matthew William→
director · ~62y · appointed 2015-01-26
View their other companies + combined net worth →
Active
BENEV, Stefan Benkov→
secretary · appointed 2006-09-29 · resigned 2014-04-01
Resigned
MCMILLAN, Brian Charles→
secretary · appointed 1990-06-01 · resigned 2006-09-29
Resigned
SERVICE, George Maciain→
secretary · resigned 1990-06-01
Resigned
HODSON, Richard Phillip→
director · ~75y · appointed 2006-09-29 · resigned 2014-04-01
Resigned
MARTIN, Robin→
director · ~76y · resigned 2006-09-29
Resigned
MUGGE, Mark Stephen→
director · ~57y · appointed 2014-04-01 · resigned 2015-01-26
Resigned
ROBERTSON, Paul John→
director · ~65y · appointed 1990-03-01 · resigned 2006-09-29
Resigned
SERVICE, George Maciain→
director · ~89y · resigned 2001-03-12
Resigned
SHAW, Simon Andrew→
director · ~59y · appointed 2006-09-29 · resigned 2011-08-31
Resigned

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

Mortgages & charges

3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Barclays
Barclays Bank PLC
Accession deed1 property24/11/200611/12/2014
satisfied
The Ballathie Fishings Timeshare
The Ballathie Fishings Timeshare Limited
Standard security1 property07/04/200526/10/2006
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property02/03/199811/08/2006

Recent filings (109 total)

gazette-dissolved-liquidation
gazette · GAZ2
2017-02-18
liquidation-voluntary-return-of-final-meeting-scotland
insolvency · 4.26(Scot)
2016-11-18
resolution
resolution · RESOLUTIONS
2015-09-25
accounts-with-accounts-type-dormant
accounts · AA
2015-02-26
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-02-17
termination-director-company-with-name-termination-date
officers · TM01
2015-01-30
appoint-person-director-company-with-name-date
officers · AP01
2015-01-30
statement-of-companys-objects
change-of-constitution · CC04
2015-01-19
resolution
resolution · RESOLUTIONS
2015-01-19
change-account-reference-date-company-previous-shortened
accounts · AA01
2015-01-12
mortgage-satisfy-charge-full
mortgage · MR04
2014-12-11
appoint-person-secretary-company-with-name
officers · AP03
2014-04-24
appoint-person-director-company-with-name
officers · AP01
2014-04-24
termination-director-company-with-name
officers · TM01
2014-04-24
termination-secretary-company-with-name
officers · TM02
2014-04-24