CETERIS (SCOTLAND) LIMITED

🌳Matureactive

SC091088 · private-limited-guarant-nsc · incorporated 1984-12-28

Investment thesis

Looks cheap but ownership + security both unclear — probable value trap.

Why interesting: Headline metrics may be attractive.

Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

70/100

Strong

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What this business does

Primary activity: Other service activities n.e.c.

Sector: Other service activities

Investor take

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 70/100 (strong), bankability 57/100. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

30 live charges · 8 lenders · oldest 32.2y

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

Data confidence

Overall: low (47/100)

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

Company profile

address, 1 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

30 charges (30/30 with lender, 30/30 with type)

Directors & officers

65 officers (6 active, 65 linked, 53 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

Network not yet resolved

Filing history

306 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

70/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

• 4 officers

Last 180 days

filings

• 4 officers

Counts from Companies House filing history.

Corporate timeline (183 events)Click to expand

2026-03-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-03-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-03-02
➕
BOYD, Alan James appointed
director
2026-03-01
➖
WHEALING, Sara Margaret Elvira Gail resigned
director
2026-02-24
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-02-24
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-02-15
➕
ONUONGA, Joyce Kwamboka appointed
director
2026-02-15
➖
MACRAE, Stewart resigned
director
2025-09-29
📄
accounts-with-accounts-type-small
accounts · AA
2024-10-29
📄
accounts-with-accounts-type-small
accounts · AA
2024-06-27
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-06-24
📄
resolution
resolution · RESOLUTIONS
2024-06-24
📄
memorandum-articles
incorporation · MA
2024-06-11
➖
FRENCH DUNCAN LLP resigned
corporate-secretary
2024-04-11
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-10
🔒
Charge registered #35
Lender: Handelsbanken PLC
2023-10-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-10-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-10-18
📄
accounts-with-accounts-type-small
accounts · AA
2023-09-14
➖
HAMILTON, Juliet Patricia resigned
director
2023-09-01
➖
MARSHALL, Robert resigned
director
2023-06-23
📄
second-filing-of-director-appointment-with-name
officers · RP04AP01
2023-06-23
📄
second-filing-of-director-appointment-with-name
officers · RP04AP01
2023-06-23
📄
second-filing-of-director-appointment-with-name
officers · RP04AP01
2023-06-23
📄
second-filing-of-director-appointment-with-name
officers · RP04AP01
2023-06-23
📄
second-filing-of-director-appointment-with-name
officers · RP04AP01
2023-06-22
📄
second-filing-of-director-appointment-with-name
officers · RP04AP01
2023-06-15
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-06-02
➖
OGILVIE, Angela Russell resigned
director
2023-05-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-05-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-02-15
➕
ALVIS, Richard Michael appointed
director
2023-02-15
➕
FORBES, Donald Graeme appointed
director
2023-02-15
➕
MATTHEWS, Peter Stuart appointed
director
2023-02-15
➕
MACRAE, Stewart appointed
director
2023-02-15
➕
WHEALING, Sara Margaret Elvira Gail appointed
director
2023-01-26
➖
TAYLOR, Ian Philip resigned
director
2022-08-02
➕
SAUNDERS, Josie Nicola appointed
director
2022-04-27
➖
PATERSON, Margaret resigned
director
2021-12-17
➖
HODSON, Carl Thomas resigned
director
2021-08-31
➖
GREEN, Nicola Frances resigned
director
2021-03-31
➖
HAMILTON, Jean Elizabeth resigned
director
2021-03-31
➕
HODSON, Carl Thomas appointed
director
2020-09-23
➕
PATERSON, Margaret appointed
director
2020-09-23
➖
SAUNDERS, Richard resigned
director
2020-09-08
➖
WILSON, Gary Henry resigned
director
2020-07-13
➖
SHARPE, Neil Stuart resigned
director
2020-06-24
➕
TAYLOR, Ian Philip appointed
director
2019-12-11
➕
HAMILTON, Juliet Patricia appointed
director
2019-10-09
➕
SAUNDERS, Richard appointed
director

Showing most recent 50 of 183 events

Owner dependency

48/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

50/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.

Red flags

2 med · 1 low

2 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: MACRAE, Stewart resigned 2026-02-15; WHEALING, Sara Margaret Elvira Gail resigned 2026-03-01

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.

14 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Similar companies

Active · Trade services · FK postcode area

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DOLLAR ANTIQUES LTD→ SC742384 · est 2022	£32.8k £24.6k–£41.0k	£383.8k	—	500	3y	89	60y
CASTLE VIEW VENTURES LIMITED→ SC334617 · est 2007 · no financials extracted	—	—	—	—	18y	83	65y
CENTRAL RECYCLING LIMITED→ SC172120 · est 1997	—	—	£3.88M	—	29y	83	60y
POCKET ROCKET CREATIVE LTD.→ SC314831 · est 2007	—	—	£192.2k	—	19y	83	59y
THE LAW GROUP SCOTLAND LIMITED→ SC366593 · est 2009	—	—	£18.1k	—	16y	83	61y
ACF CLEANING LIMITED→ SC227534 · est 2002	—	—	£699.5k	—	24y	82	59y
ALBION VEHICLE WASH ENGINEERS (CENTRAL) LTD.→ SC319156 · est 2007	—	—	—	2	19y	82	61y
AQUAKLENZ LTD.→ SC257531 · est 2003	—	—	£3.6k	—	22y	82	74y
C E CONTRACTS LIMITED→ SC385639 · est 2010	—	—	£1.45M	—	15y	82	61y
CARBROOK PROPERTIES LIMITED→ SC234755 · est 2002	—	—	£79.1k	—	23y	82	70y
CLAIVER LIMITED→ SC293836 · est 2005	—	—	—	400	20y	82	67y
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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.

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Company details

Statusactive

Typeprivate-limited-guarant-nsc

Incorporated1984-12-28

Jurisdictionscotland

Primary SIC96090 — Other service activities n.e.c.

Registered office

Alloa Business Centre

Whins Road

Alloa

FK10 3SA

Scotland

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-07-15

Last: 2025-07-01