BELL DEVELOPMENTS (SCOTLAND) LIMITED

🌳Matureactive
SC113130 · ltd · incorporated 1988-08-29
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 35.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£323.6k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (80/100, director aged 59). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 35.6y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 35.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (79/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
8 officers (2 active, 8 linked, 4 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
107 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒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
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
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 £323,618

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£324k
↑ 53% YoY
Current Assets
£324k
↑ 53% YoY
Current Liabilities
—
£0£65k£129k£194k£259k£324kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£323.6k£212.2k
Current assets£323.6k£212.2k
Net assets£323.6k£212.2k

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2025-12-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-04-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-03-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-03-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2025-03-28
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  6. 2024-12-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2024-09-20
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2024-09-20
    🔓
    Charge satisfied #2
  9. 2023-12-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2022-12-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2021-12-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2020-12-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-12-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2018-12-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2017-12-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2016-12-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2005-06-23
    ➕
    BELL, Silvia appointed
    director
  18. 2005-05-13
    ➕
    BELL, Neil William appointed
    director
  19. 2005-05-13
    ➖
    BELL, Neil Currie resigned
    secretary
  20. 2005-05-13
    ➖
    BELL, Elsie Armstrong resigned
    director
  21. 2005-05-13
    ➖
    BELL, Neil William resigned
    director
  22. 1991-12-10
    🔓
    Charge satisfied #1
  23. 1990-10-12
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  24. 1990-09-25
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  25. 1990-06-22
    ➕
    BELL, Neil Currie appointed
    secretary
  26. 1990-06-22
    ➖
    QUILL SERVE LIMITED resigned
    corporate-nominee-secretary
  27. 1990-06-22
    ➖
    QUILL FORM LIMITED resigned
    corporate-nominee-director
  28. 1990-06-22
    ➖
    QUILL SERVE LIMITED resigned
    corporate-nominee-director
  29. 1988-08-29
    🏢
    Company incorporated
    As BELL DEVELOPMENTS (SCOTLAND) LIMITED
  30. 1988-08-29
    ➕
    QUILL SERVE LIMITED appointed
    corporate-nominee-secretary
  31. 1988-08-29
    ➕
    QUILL FORM LIMITED appointed
    corporate-nominee-director
  32. 1988-08-29
    ➕
    QUILL SERVE LIMITED appointed
    corporate-nominee-director

Owner dependency

99/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "BELL" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100
Likely off-market candidate

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 38 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

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

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Silvia Bell
Individual · Spanish · DOB 12/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting12/08/2020
Mr Neil William Bell
Individual · British · DOB 06/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting15/06/2017

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

6 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
Incorporated1988-08-29
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

9 Patersons Laun
Balmore
Torrance
Glasgow
G64 4AN

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-22
Last: 2025-07-08

Officers (2 active · 6 resigned)

BELL, Neil William→
director · ~59y · appointed 2005-05-13
View their other companies + combined net worth →
Active
BELL, Silvia→
director · ~59y · appointed 2005-06-23
View their other companies + combined net worth →
Active
BELL, Neil Currie→
secretary · appointed 1990-06-22 · resigned 2005-05-13
Resigned
QUILL SERVE LIMITED→
corporate-nominee-secretary · appointed 1988-08-29 · resigned 1990-06-22
Resigned
BELL, Elsie Armstrong→
director · ~87y · resigned 2005-05-13
Resigned
BELL, Neil William→
director · ~59y · resigned 2005-05-13
Resigned
QUILL FORM LIMITED→
corporate-nominee-director · appointed 1988-08-29 · resigned 1990-06-22
Resigned
QUILL SERVE LIMITED→
corporate-nominee-director · appointed 1988-08-29 · resigned 1990-06-22
Resigned

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property12/10/199020/09/2024
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property25/09/199010/12/1991

Recent filings (107 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-03-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-03-28
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-03-28
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-04
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-18
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-01
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-16