GROWING CONCERN SCOTLAND LTD.
- · Oldest live charge 26.0y old — refinance window within 12 months
Opportunity 80/100 (exceptional), 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: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 26.0y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 26.0 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 |
|---|---|
| Average employees | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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
- • 2 officers
- • 2 officers
- • 1 confirmation-statement
Corporate timeline (42 events)Click to expand
- 2026-04-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-04-01➕THOMPSON, Andrew appointeddirector
- 2026-04-01➖MURRAY, Iain William resigneddirector
- 2025-08-11📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-10-03📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-10-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-09-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-09-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-07-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-07-22📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-07-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-10-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2017-10-02➕MURRAY, Iain William appointeddirector
- 2017-06-27📄accounts-with-accounts-type-fullaccounts · AA
- 2017-04-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2017-04-10➖GORDON, Brian James resigneddirector
- 2016-12-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-11-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2016-11-17➕BROWN, Martine Sandra appointedsecretary
- 2016-11-17➕BROWN, Martine Sandra appointeddirector
- 2016-11-17➕GORDON, Brian James appointeddirector
- 2016-10-22➖TAYLOR, William resigneddirector
- 2016-06-13➖SMITH, Ian Patrick resignedsecretary
- 2016-06-13➖SMITH, Ian Patrick resigneddirector
- 2016-01-28➕TAYLOR, William appointeddirector
- 2016-01-28➖TAYLOR, William resigneddirector
- 2008-10-08🔓Charge satisfied #2
- 2008-10-01➕SMITH, Ian Patrick appointedsecretary
- 2008-10-01➖STRETCH, James resignedsecretary
- 2008-10-01➕SMITH, Ian Patrick appointeddirector
- 2008-10-01➖STRETCH, Michael resigneddirector
- 2008-10-01➕TAYLOR, William appointeddirector
- 2003-05-26🔒Charge registered #2Lender: Lloyds Tsb Commercial Finance Limited
- 2000-05-21🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 1992-12-10🏢Company incorporatedAs GROWING CONCERN SCOTLAND LTD.
- 1992-12-10➕REID, Brian appointednominee-secretary
- 1992-12-10➖REID, Brian resignednominee-secretary
- 1992-12-10➕STRETCH, James appointedsecretary
- 1992-12-10➕MABBOTT, Stephen appointednominee-director
- 1992-12-10➖MABBOTT, Stephen resignednominee-director
- 1992-12-10➕STRETCH, Michael appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanGroup structure
Bear Scotland Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Bear Scotland Ltd Corporate entity | 75–100% | — | 75-100% shares | 10/12/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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 · Trade services · PH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CHARLES CONNELL & COMPANY LIMITED→ SC028024 · est 1950 | £25.00M £18.75M–£31.26M | — | — | 200 | 75y | 84 | 64y |
| CABERFEIDH HORIZONS→ SC274347 · est 2004 · no financials extracted | — | — | — | — | 21y | 83 | 79y |
| EPSCO LIMITED→ SC140759 · est 1992 | — | — | — | 2100 | 33y | 83 | 74y |
| KISHORN PORT LIMITED→ SC350620 · est 2008 | — | — | £2.54M | — | 17y | 83 | 78y |
| LOCHABER HOUSING ASSOCIATION PROPERTY SERVICES C.I.C.→ SC365453 · est 2009 · no financials extracted | — | — | — | — | 16y | 83 | 84y |
| PRIORITY MANAGEMENT (GLASGOW) LIMITED→ SC173423 · est 1997 | — | — | £853.4k | — | 29y | 83 | 60y |
| THE BATHROOM COMPANY (PERTH) LIMITED→ SC256721 · est 2003 | — | — | — | 3000 | 22y | 83 | 67y |
| ALLAN INGRAM INDUSTRIAL CLEANING SERVICES LTD.→ SC276324 · est 2004 | — | — | £886.3k | — | 21y | 82 | 77y |
| CHISHOLM'S RECOVERY SPECIALISTS LIMITED→ SC251410 · est 2003 | — | — | — | 500 | 22y | 82 | 62y |
| D. & T. CAMPBELL (MEIGLE) LIMITED→ SC047602 · est 1970 | — | — | — | 2 | 55y | 82 | 89y |
| DENHEAD FARMS LIMITED→ SC298268 · est 2006 | — | — | £3.12M | — | 20y | 82 | 60y |
| DUNVORIST INVESTMENTS LIMITED→ SC317478 · est 2007 | — | — | £586.0k | — | 19y | 82 | 78y |
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 →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
Registered office
Filing status
Officers (3 active · 10 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Tsb Commercial Finance Limited | Floating charge | 1 property | 26/05/2003 | 08/10/2008 | |
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 21/05/2000 | — |