PHILP OF PAISLEY LIMITED

🌳Matureactive
SC048484 · ltd · incorporated 1971-03-09
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 50.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£1.23M
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · oldest 50.3y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 50.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (82/100)

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
12 officers (5 active, 12 linked, 7 with DOB)
82
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
13 connected companies via shared directors
84
Filing history
141 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
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 £1,232,772
Net assets shrinking
Down £43,517 YoY
Cash YoY
+4%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£464k
↑ 3.5% YoY
Net Worth
£1.2m
↓ 3.4% YoY
Current Assets
£1.2m
↑ 1.4% YoY
Current Liabilities
—
£0£255k£511k£766k£1.0m£1.3mDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£1.23M£1.28M
Current assets£1.16M£1.14M
Cash£464.1k£448.4k
Debtors£697.0k£696.4k
Net assets£1.23M£1.28M

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 (35 events)Click to expand
  1. 2025-08-15
    📄
    second-filing-of-director-appointment-with-name
    officers · RP04AP01
  2. 2025-08-14
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  3. 2025-08-14
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2025-07-31
    ➕
    CROZIER, Cameron appointed
    director
  5. 2025-07-31
    ➕
    CROZIER, Emily Louise Philp appointed
    director
  6. 2025-06-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-05-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-06-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-08-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-09-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-11-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-08-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-06-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-09-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-05-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2016-09-21
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  17. 2016-09-12
    📄
    accounts-with-accounts-type-small
    accounts · AA
  18. 2016-09-06
    ➖
    BRODIES SECRETARIAL SERVICES LIMITED resigned
    corporate-secretary
  19. 2010-11-09
    ➕
    BRODIES SECRETARIAL SERVICES LIMITED appointed
    corporate-secretary
  20. 2010-11-09
    ➖
    HBJGW SECRETARIAL LIMITED resigned
    corporate-secretary
  21. 2008-12-15
    ➖
    HBJ GATELEY WAREING (SCOTLAND) LLP resigned
    corporate-secretary
  22. 2008-12-15
    ➕
    HBJGW SECRETARIAL LIMITED appointed
    corporate-secretary
  23. 2008-09-24
    ➖
    BOYDSLAW (SECRETARIAL SERVICES) LIMITED resigned
    corporate-secretary
  24. 2008-09-24
    ➕
    HBJ GATELEY WAREING (SCOTLAND) LLP appointed
    corporate-secretary
  25. 2005-05-07
    🔓
    Charge satisfied #3
  26. 2003-05-31
    ➖
    DUDEK, Stanislaw Albert resigned
    director
  27. 1999-11-30
    ➖
    ANDERSON, Arthur Stewart resigned
    director
  28. 1996-11-22
    ➕
    BOYDSLAW (SECRETARIAL SERVICES) LIMITED appointed
    corporate-secretary
  29. 1996-11-22
    ➖
    KERR & CO resigned
    corporate-secretary
  30. 1988-01-22
    🔓
    Charge satisfied #2
  31. 1987-11-20
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  32. 1987-11-17
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  33. 1982-07-09
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  34. 1976-02-12
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  35. 1971-03-09
    🏢
    Company incorporated
    As PHILP OF PAISLEY LIMITED

Owner dependency

78/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -5 active directors: Broader management team in place — suggests transferable governance.
  • +Founder name in company name: Company name contains director surname "PHILP" — strong identity link between founder and business.
  • +Founder age: Director aged approximately 89 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

60/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 89 years old. Natural succession window is now.

Red flags

1 med ·
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.

Group structure

I. Philp (Holdings) Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
I. Philp (Holdings) Ltd
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
PHILP OF PAISLEY LIMITED
This company · SC048484

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
I. Philp (Holdings) Ltd
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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
Incorporated1971-03-09
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

213 St. Vincent Street
Glasgow
G2 5QY
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-07-11
Last: 2025-06-27

Officers (5 active · 7 resigned)

CROZIER, Cameron→
director · ~34y · appointed 2025-07-31
View their other companies + combined net worth →
Active
CROZIER, Emily Louise Philp→
director · ~29y · appointed 2025-07-31
View their other companies + combined net worth →
Active
CROZIER, Wendy Louise→
director · ~63y
View their other companies + combined net worth →
Active
PHILP, Ian→
director · ~89y
View their other companies + combined net worth →
Active
PHILP, Iris Anastasia→
director · ~87y
View their other companies + combined net worth →
Active
BOYDSLAW (SECRETARIAL SERVICES) LIMITED→
corporate-secretary · appointed 1996-11-22 · resigned 2008-09-24
Resigned
BRODIES SECRETARIAL SERVICES LIMITED→
corporate-secretary · appointed 2010-11-09 · resigned 2016-09-06
Resigned
HBJ GATELEY WAREING (SCOTLAND) LLP→
corporate-secretary · appointed 2008-09-24 · resigned 2008-12-15
Resigned
HBJGW SECRETARIAL LIMITED→
corporate-secretary · appointed 2008-12-15 · resigned 2010-11-09
Resigned
KERR & CO→
corporate-secretary · resigned 1996-11-22
Resigned
ANDERSON, Arthur Stewart→
director · ~72y · resigned 1999-11-30
Resigned
DUDEK, Stanislaw Albert→
director · ~79y · resigned 2003-05-31
Resigned

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

Mortgages & charges

4
Total charges
2
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Letter of set-off1 property20/11/1987—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property17/11/198707/05/2005
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Letter of set off1 property09/07/198222/01/1988
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Letter of set-off1 property12/02/1976—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (141 total)

second-filing-of-director-appointment-with-name
officers · RP04AP01
2025-08-15
appoint-person-director-company-with-name-date
officers · AP01
2025-08-14
appoint-person-director-company-with-name-date
officers · AP01
2025-08-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-03