SCO-FRO GROUP LIMITED

🌳Matureactive

SC057644 · ltd · incorporated 1975-04-25

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2025

Net worth

—

book net assets

Opportunity

80/100

Exceptional

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: SIC 46170

Sector: Wholesale & retail

Investor take

Pursue

Active trading company with a 72-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (63/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 10 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (57/100).

🏦

Refinance opportunity

14 live charges · 10 lenders · oldest 48.2y

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 48.2 years old — likely at or near maturity.
· 10 lenders named — inter-creditor friction likely.
· Legal-friction score 53/100 (high).

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

Lenders & charges

14 charges (14/14 with lender, 14/14 with type)

Directors & officers

18 officers (4 active, 18 linked, 15 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

8 connected companies via shared directors

Filing history

185 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Profitable

Profit before tax £917,145

Turned profitable

Returned to profit this year

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-12-31	2024-12-31
Profit before tax	£917.1k	£-2.05M
Average employees	20	1800

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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

filing

• 1 accounts

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (75 events)Click to expand

2026-04-20
📄
accounts-with-accounts-type-full
accounts · AA
2025-09-30
📄
accounts-with-accounts-type-full
accounts · AA
2024-12-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-12-12
➖
HETHERINGTON, Ian Dellow resigned
director
2024-12-12
➖
SHINKAI, Hiroyuki resigned
director
2024-12-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-12-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-12-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-12-05
➕
HAYASHI, Kazunori appointed
director
2024-12-05
➕
SUZUKI, Takahisa appointed
director
2024-05-14
📄
accounts-with-accounts-type-full
accounts · AA
2023-12-15
➖
PANDIT, Bhaven Lalji Dayaram resigned
director
2023-12-15
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-05-19
📄
accounts-with-accounts-type-full
accounts · AA
2022-09-26
📄
accounts-with-accounts-type-full
accounts · AA
2022-02-25
➖
BADER, Sonja Geraldine resigned
director
2022-02-25
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-12-22
📄
accounts-with-accounts-type-full
accounts · AA
2021-12-10
➕
FAGAN, Brian appointed
secretary
2021-12-10
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2021-10-27
📄
change-person-director-company-with-change-date
officers · CH01
2021-05-27
📄
change-account-reference-date-company-current-shortened
accounts · AA01
2021-02-23
📄
memorandum-articles
incorporation · MA
2021-02-23
📄
resolution
resolution · RESOLUTIONS
2021-02-22
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-02-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-02-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-02-20
➖
BERNARD, Stanley resigned
secretary
2021-02-20
➖
BERNARD, Adam Ben resigned
director
2021-02-20
➖
BERNARD, Stanley resigned
director
2021-02-20
➕
HETHERINGTON, Ian Dellow appointed
director
2021-02-20
➖
LIDDELL, John Story Colin resigned
director
2021-02-20
➕
PANDIT, Bhaven Lalji Dayaram appointed
director
2021-02-20
➕
SHINKAI, Hiroyuki appointed
director
2020-04-23
➖
BERNARD, Deirdre resigned
director
2015-03-06
🔓
Charge satisfied #16
2015-03-06
🔓
Charge satisfied #15
2015-03-06
🔓
Charge satisfied #14
2014-12-03
🔒
Charge registered #18
Lender: Clydesdale Bank PLC
2014-11-25
🔒
Charge registered #17
Lender: Clydesdale Bank PLC
2014-01-30
➖
MURPHY, Michael resigned
director
2013-01-31
➖
MITCHELL, Mike Gerard resigned
director
2011-08-05
➖
MACLIVER, Stewart resigned
director
2011-06-09
🔒
Charge registered #16
Lender: Hsbc Invoice Finance (UK) Limited
2011-04-09
🔓
Charge satisfied #13
2011-03-01
🔒
Charge registered #15
Lender: Hsbc Bank PLC
2011-03-01
🔓
Charge satisfied #10
2011-02-26
🔓
Charge satisfied #12
2011-02-26
🔓
Charge satisfied #11
2011-01-12
🔒
Charge registered #14
Lender: Hsbc Bank PLC

Showing most recent 50 of 75 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

+Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 72 — succession pressure is live.

Succession & seller-readiness

80/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
primary20+ year tenure: Director in role 25 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

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

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

🏛️

Interlock Investments Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

SCO-FRO GROUP LIMITED

This company · SC057644

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%

Name	Shares	Voting rights	Nature of control	Notified
Interlock Investments Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	31/12/2016

1 historic (ceased) PSC

Mr Stanley Bernardceased 31/12/2016· 75-100% shares

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 →

Similar companies

Active · Wholesale & distribution · G postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ALLIANCE SANITARY PRODUCTS LIMITED→ SC261393 · est 2004	£8.86M £6.65M–£11.08M	—	—	2900	22y	86	69y
FAILTE FOOD SERVICE LIMITED→ SC275128 · est 2004	£7.59M £5.69M–£9.48M	—	—	71	21y	85	66y
WESTSIDE DISTRIBUTION HOLDINGS LIMITED→ SC648056 · est 2019	£5.77M £4.33M–£7.21M	—	—	27	6y	84	67y
WESTSIDE DISTRIBUTION LIMITED→ SC365971 · est 2009	£5.77M £4.33M–£7.21M	—	—	27	16y	88	67y
SOUTHEAST TRADERS LIMITED→ SC235763 · est 2002	£4.00M £3.00M–£5.01M	—	—	26	23y	88	67y
D MCNAIR (BUILDERS MERCHANTS) LIMITED→ SC089357 · est 1984	£2.35M £1.76M–£2.93M	—	—	69	41y	85	63y
ANDREW MCDICKEN LIMITED→ SC034095 · est 1959	—	—	£8.7k	—	66y	83	63y
ASTRA HYGIENE SUPPLIES LIMITED→ SC122088 · est 1989	—	—	£335.1k	—	36y	83	81y
BAYMED HEALTHCARE LTD.→ SC062673 · est 1977	—	—	£77.1k	—	48y	83	59y
CHAINBRIDGE STEEL (SCOTLAND) LIMITED→ SC320954 · est 2007 · no financials extracted	—	—	—	—	19y	83	63y
CLEANING & WIPING SUPPLIES LTD.→ SC204166 · est 2000	—	—	—	—	26y	83	77y
WILLIAMS CO. (HOLDINGS) LIMITED→ SC717165 · est 2021 · no financials extracted	—	—	—	—	4y	—	—

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

Incorporated1975-04-25

Jurisdictionscotland

Primary SIC46170 — SIC 46170

Registered office

229 St Vincent Street

Glasgow

G2 5QY

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2027-01-12

Last: 2025-12-29

Officers (4 active · 14 resigned)

FAGAN, Brian→

secretary · appointed 2021-12-10

View their other companies + combined net worth →

Active

BEATON, Iain Alasdair→

director · ~72y · appointed 2001-05-01

View their other companies + combined net worth →

Active

HAYASHI, Kazunori→

director · ~50y · appointed 2024-12-05

View their other companies + combined net worth →

Active

SUZUKI, Takahisa→

director · ~55y · appointed 2024-12-05

View their other companies + combined net worth →

Active

BERNARD, Stanley→

secretary · resigned 2021-02-20

Resigned

BADER, Sonja Geraldine→

director · ~65y · appointed 1993-01-01 · resigned 2022-02-25

Resigned

BERNARD, Adam Ben→

director · ~50y · appointed 2007-05-01 · resigned 2021-02-20

Resigned

BERNARD, Deirdre→

director · ~76y · resigned 2020-04-23

Resigned

BERNARD, Stanley→

director · ~79y · resigned 2021-02-20

Resigned

CAMPBELL, James→

director · ~70y · appointed 1992-01-01 · resigned 2002-06-28

Resigned

HETHERINGTON, Ian Dellow→

director · ~62y · appointed 2021-02-20 · resigned 2024-12-12

Resigned

LIDDELL, John Story Colin→

director · ~69y · appointed 1996-02-05 · resigned 2021-02-20

Resigned

MACLIVER, Stewart→

director · ~64y · appointed 2005-05-01 · resigned 2011-08-05

Resigned

MITCHELL, Mike Gerard→

director · ~71y · appointed 2011-01-05 · resigned 2013-01-31

Resigned

MURPHY, Michael→

director · ~48y · appointed 2007-05-01 · resigned 2014-01-30

Resigned

PANDIT, Bhaven Lalji Dayaram→

director · ~54y · appointed 2021-02-20 · resigned 2023-12-15

Resigned

SHINKAI, Hiroyuki→

director · ~62y · appointed 2021-02-20 · resigned 2024-12-12

Resigned

STUART, Robert Miller→

director · resigned 1990-02-16

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:14 of 14 shown

		Type	Properties
outstanding	Virgin Money Clydesdale Bank PLC	A registered charge	1 property	03/12/2014	—
outstanding	Virgin Money Clydesdale Bank PLC	A registered charge	—	25/11/2014	—
satisfied	HSBC Hsbc Invoice Finance (UK) Limited	Floating charge	1 property	09/06/2011	06/03/2015
satisfied	HSBC Hsbc Bank PLC	Standard security	1 property	01/03/2011	06/03/2015
satisfied	HSBC Hsbc Bank PLC	Floating charge	1 property	12/01/2011	06/03/2015
satisfied	NatWest Group Rbs Invoice Finance Limited	Floating charge	1 property	09/09/2008	09/04/2011
satisfied	Lloyds Banking Group Royal Bank of Scotland PLC	Standard security	1 property	18/03/2008	26/02/2011
satisfied	Lloyds Banking Group The Royal Bank of Scotland PLC	Standard security	1 property	31/01/2003	26/02/2011
satisfied	Lloyds Banking Group The Royal Bank of Scotland PLC	Bond & floating charge	1 property	08/01/2003	01/03/2011
satisfied	Barclays Barclays Bank PLC	Standard security	1 property	09/04/1998	05/03/2003
satisfied	Barclays Barclays Bank PLC	Floting charge	1 property	04/10/1991	05/03/2003
satisfied	Chartered Trust Public Company Chartered Trust Public Limited Company	Aircraft mortgage	1 property	13/10/1986	14/05/1990
satisfied	Standard Chartered Bank Public Company Standard Chartered Bank Public Limited Company	Standard security	2 properties	07/12/1984	08/11/1991
satisfied	Standard Chartered Bank Standard Chartered Bank Limited	Bond and floating charge	1 property	09/03/1978	23/10/1991

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (185 total)

accounts-with-accounts-type-full

accounts · AA

2026-04-20

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-01-20

accounts-with-accounts-type-full

accounts · AA

2025-09-30

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-01-03

appoint-person-director-company-with-name-date

officers · AP01

2024-12-13

termination-director-company-with-name-termination-date

officers · TM01

2024-12-12

appoint-person-director-company-with-name-date

officers · AP01

2024-12-12

termination-director-company-with-name-termination-date

officers · TM01

2024-12-12

accounts-with-accounts-type-full

accounts · AA

2024-05-14

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-01-04

termination-director-company-with-name-termination-date

officers · TM01

2023-12-15

accounts-with-accounts-type-full

accounts · AA

2023-05-19

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-01-04

accounts-with-accounts-type-full

accounts · AA

2022-09-26

termination-director-company-with-name-termination-date

officers · TM01

2022-02-25