SINGER & FRIEDLANDER COMMERCIAL FINANCE LIMITED

💤Zombieactive
SC053939 · ltd · incorporated 1973-09-07
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (59/100)

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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
29 officers (1 active, 29 linked, 25 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
218 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
1
filing
  • • 1 address
Last 90 days
1
filing
  • • 1 address
Last 180 days
3
filings
  • • 1 address
  • • 1 confirmation-statement
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (71 events)Click to expand
  1. 2026-06-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2026-03-12
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  3. 2026-01-31
    ➖
    RUSHBROOK, Daniel James resigned
    secretary
  4. 2025-05-13
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  5. 2024-10-10
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  6. 2023-09-29
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  7. 2022-06-07
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  8. 2021-09-27
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  9. 2021-09-24
    📄
    resolution
    resolution · RESOLUTIONS
  10. 2021-09-24
    📄
    memorandum-articles
    incorporation · MA
  11. 2021-06-07
    ➖
    COWIE, Ian resigned
    director
  12. 2021-06-07
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2020-11-10
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  14. 2019-07-30
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  15. 2019-02-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2018-10-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2018-10-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2018-09-30
    ➕
    MINTO, Dylan appointed
    director
  19. 2018-09-30
    ➖
    GEORGE, Philip Anthony resigned
    director
  20. 2018-07-27
    ➕
    COWIE, Ian appointed
    director
  21. 2018-07-27
    ➖
    PATEMAN, Stephen James, Chief Executive Officer resigned
    director
  22. 2018-07-27
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  23. 2018-07-27
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  24. 2016-09-07
    ➖
    CANNON, James Gerrard resigned
    director
  25. 2016-09-07
    ➕
    PATEMAN, Stephen James, Chief Executive Officer appointed
    director
  26. 2015-10-02
    ➖
    PYMAN, Richard Anthony resigned
    director
  27. 2015-08-20
    ➖
    CLARK, George David resigned
    secretary
  28. 2015-08-20
    ➕
    RUSHBROOK, Daniel James appointed
    secretary
  29. 2015-08-19
    ➕
    GEORGE, Philip Anthony appointed
    director
  30. 2014-07-18
    ➖
    CLARK, George David resigned
    director
  31. 2014-07-18
    ➖
    DOWNIE, Ann Elizabeth resigned
    director
  32. 2009-02-25
    ➖
    BARNES, Timothy Paul resigned
    director
  33. 2009-02-25
    ➖
    SMITH, Stephen Errol resigned
    director
  34. 2008-03-31
    ➖
    RENNIE, Gordon Craig resigned
    director
  35. 2007-06-01
    ➖
    HINTON-SMITH, Susan Marion resigned
    director
  36. 2005-01-14
    ➕
    CANNON, James Gerrard appointed
    director
  37. 2004-12-31
    ➖
    SPENCE, Jonathan Murgatroyd resigned
    director
  38. 2004-12-10
    ➖
    CORFIELD, Anthony Charles resigned
    director
  39. 2004-12-10
    ➕
    HINTON-SMITH, Susan Marion appointed
    director
  40. 2004-07-01
    ➕
    SMITH, Stephen Errol appointed
    director
  41. 2004-02-26
    ➕
    BARNES, Timothy Paul appointed
    director
  42. 2004-01-20
    ➖
    WEBSTER, Alan Watt resigned
    director
  43. 2003-11-01
    ➖
    PRICE, Charles Beaufort resigned
    director
  44. 2003-07-11
    ➖
    SWANSTON, Colin resigned
    director
  45. 2003-04-24
    ➕
    CORFIELD, Anthony Charles appointed
    director
  46. 2003-04-24
    ➖
    MATTHEWS, Bruce John resigned
    director
  47. 2003-02-28
    ➕
    MATTHEWS, Bruce John appointed
    director
  48. 2002-03-25
    ➕
    WEBSTER, Alan Watt appointed
    director
  49. 2000-01-05
    ➕
    CLARK, George David appointed
    director
  50. 2000-01-05
    ➕
    DOWNIE, Ann Elizabeth appointed
    director
Showing most recent 50 of 71 events

Owner dependency

75/100
High — earn-out structure required

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

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

55/100
Strong succession signal

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

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondaryStable-but-static management: Company is 53 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Shawbrook Bank Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Shawbrook Bank Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
SINGER & FRIEDLANDER COMMERCIAL FINANCE LIMITED
This company · SC053939

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
Shawbrook Bank Limited
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
Incorporated1973-09-07
Jurisdictionscotland
Primary SIC64910 — Financial leasing

Registered office

Floor 2 Atrium Court
50 Waterloo Street
Glasgow
G2 6HQ
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-14
Last: 2026-02-28

Officers (1 active · 28 resigned)

MINTO, Dylan→
director · ~46y · appointed 2018-09-30
View their other companies + combined net worth →
Active
CLARK, George David→
secretary · appointed 1998-01-01 · resigned 2015-08-20
Resigned
RUSHBROOK, Daniel James→
secretary · appointed 2015-08-20 · resigned 2026-01-31
Resigned
SMITH, Catriona Macinnes→
secretary · appointed 1996-01-01 · resigned 1998-01-01
Resigned
JAMES FINLAY LIMITED→
corporate-secretary · resigned 1996-01-01
Resigned
BARNES, Timothy Paul→
director · ~67y · appointed 2004-02-26 · resigned 2009-02-25
Resigned
CANNON, James Gerrard→
director · ~72y · appointed 2005-01-14 · resigned 2016-09-07
Resigned
CAPPER, Richard Gerald→
director · ~85y · resigned 1995-11-24
Resigned
CLARK, George David→
director · ~68y · appointed 2000-01-05 · resigned 2014-07-18
Resigned
CORDREY, Peter Graham→
director · ~79y · appointed 1996-01-01 · resigned 1996-12-31
Resigned
CORFIELD, Anthony Charles→
director · ~61y · appointed 2003-04-24 · resigned 2004-12-10
Resigned
COWIE, Ian→
director · ~66y · appointed 2018-07-27 · resigned 2021-06-07
Resigned
DOWNIE, Ann Elizabeth→
director · ~71y · appointed 2000-01-05 · resigned 2014-07-18
Resigned
GEORGE, Philip Anthony→
director · ~76y · appointed 2015-08-19 · resigned 2018-09-30
Resigned
HINTON-SMITH, Susan Marion→
director · ~63y · appointed 2004-12-10 · resigned 2007-06-01
Resigned
INGLEBY, John Mungo→
director · ~85y · appointed 1990-03-28 · resigned 1994-10-14
Resigned
MACINTOSH, Donald Eskdale→
director · ~97y · resigned 1989-12-31
Resigned
MATTHEWS, Bruce John→
director · ~59y · appointed 2003-02-28 · resigned 2003-04-24
Resigned
MUIR, Richard James Kay→
director · ~87y · resigned 1995-12-29
Resigned
OUTTERSON, Murray→
director · ~87y · appointed 1990-03-28 · resigned 1995-12-29
Resigned

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

Recent filings (218 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-06-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-12
termination-secretary-company-with-name-termination-date
officers · TM02
2026-03-12
accounts-with-accounts-type-dormant
accounts · AA
2025-05-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-28
accounts-with-accounts-type-dormant
accounts · AA
2024-10-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-11
accounts-with-accounts-type-dormant
accounts · AA
2023-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-13
accounts-with-accounts-type-dormant
accounts · AA
2022-06-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-08
accounts-with-accounts-type-dormant
accounts · AA
2021-09-27
resolution
resolution · RESOLUTIONS
2021-09-24
memorandum-articles
incorporation · MA
2021-09-24
termination-director-company-with-name-termination-date
officers · TM01
2021-06-07