SCOTIA CHIROPRACTIC LIMITED

💤Zombieactive
SC138934 · ltd · incorporated 1992-06-17
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£105.9k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Specialist medical practice activities
Sector: Human health & social work
Investor take
Pursue
Active trading company with a 64-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 64). 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 (73/100).

🏦

Refinance opportunity

4 live charges · 2 lenders · oldest 27.9y

30/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 27.9 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (76/100)

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
8 officers (1 active, 8 linked, 2 with DOB)
75
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
96 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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 £105,854
Net assets shrinking
Down £22,640 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£106k
↓ 18% YoY
Current Assets
£21k
↓ 2.8% YoY
Current Liabilities
—
£0£26k£51k£77k£103k£128kSept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Total assets£105.9k£128.5k
Current assets£21.2k£21.8k
Net assets£105.9k£128.5k

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

Recent activity

Last 30 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Last 90 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
  1. 2026-06-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-06-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-06-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-03-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-04-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-06-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-05-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-06-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-05-15
    ➖
    BAILEY, Anthony Alan resigned
    secretary
  10. 2019-05-15
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  11. 2018-06-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2017-05-09
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-06-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2016-06-27
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-06-25
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-06-25
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2002-12-12
    🔓
    Charge satisfied #1
  18. 2002-11-21
    🔒
    Charge registered #4
    Lender: Clydesdale Bank Public Limited Company
  19. 2002-11-18
    🔒
    Charge registered #3
    Lender: Clydesdale Bank Public Limited Company
  20. 2002-06-07
    ➕
    BAILEY, Anthony Alan appointed
    secretary
  21. 2002-06-07
    ➖
    BUTLER, Audrey Jane resigned
    secretary
  22. 2001-05-11
    🔓
    Charge satisfied #2
  23. 1998-09-25
    🔒
    Charge registered #2
    Lender: Lloyds Bank PLC
  24. 1998-07-22
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  25. 1997-02-19
    ➖
    MITCHELL, Julia Elizabeth resigned
    secretary
  26. 1997-02-17
    ➕
    BUTLER, Audrey Jane appointed
    secretary
  27. 1996-06-06
    ➕
    MITCHELL, Julia Elizabeth appointed
    secretary
  28. 1996-06-05
    ➖
    EDWARD, Lynne Patricia resigned
    secretary
  29. 1994-04-01
    ➕
    EDWARD, Lynne Patricia appointed
    secretary
  30. 1994-04-01
    ➖
    NEIL, David resigned
    secretary
  31. 1992-06-17
    🏢
    Company incorporated
    As SCOTIA CHIROPRACTIC LIMITED
  32. 1992-06-17
    ➕
    HOW, Carla Iolanda, Dr Of Chiropractic appointed
    director
  33. 1992-06-17
    ➕
    NEIL, David appointed
    secretary
  34. 1992-06-17
    ➕
    REID, Brian appointed
    nominee-secretary
  35. 1992-06-17
    ➖
    REID, Brian resigned
    nominee-secretary
  36. 1992-06-17
    ➕
    MABBOTT, Stephen appointed
    nominee-director
  37. 1992-06-17
    ➖
    MABBOTT, Stephen resigned
    nominee-director

Owner dependency

93/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 34 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

95/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 34 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 34 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Dr Carla Iolanda How
Individual · British · DOB 08/1962 · age 64
75–100%
—75-100% shares06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated1992-06-17
Jurisdictionscotland
Primary SIC86220 — Specialist medical practice activities

Registered office

16 Jenny Moores Road
St Boswells
Melrose
Roxburghshire
TD6 0AL

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-06-24
Last: 2026-06-10

Officers (1 active · 7 resigned)

HOW, Carla Iolanda, Dr Of Chiropractic→
director · ~64y · appointed 1992-06-17
View their other companies + combined net worth →
Active
BAILEY, Anthony Alan→
secretary · appointed 2002-06-07 · resigned 2019-05-15
Resigned
BUTLER, Audrey Jane→
secretary · appointed 1997-02-17 · resigned 2002-06-07
Resigned
EDWARD, Lynne Patricia→
secretary · appointed 1994-04-01 · resigned 1996-06-05
Resigned
MITCHELL, Julia Elizabeth→
secretary · appointed 1996-06-06 · resigned 1997-02-19
Resigned
NEIL, David→
secretary · appointed 1992-06-17 · resigned 1994-04-01
Resigned
REID, Brian→
nominee-secretary · appointed 1992-06-17 · resigned 1992-06-17
Resigned
MABBOTT, Stephen→
nominee-director · ~76y · appointed 1992-06-17 · resigned 1992-06-17
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
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property21/11/2002—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property18/11/2002—
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Standard security1 property25/09/199811/05/2001
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Bond & floating charge1 property22/07/199812/12/2002
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (96 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-19
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-29
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-19
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-21
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-27
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-18
accounts-with-accounts-type-micro-entity
accounts · AA
2020-05-07
accounts-with-accounts-type-micro-entity
accounts · AA
2019-06-27