THE BANK OF EDINBURGH GROUP LIMITED

🌳Matureactive
SC150811 · ltd · incorporated 1994-05-10
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: SIC 99999
Sector: Extraterritorial bodies
Investor take
Pursue
Active trading company with a 72-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 72). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

Data confidence

Overall: medium (75/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
83 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
90
Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-30

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

Recent activity

Last 30 days
1
filing
  • • 1 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2025-12-22
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2025-03-21
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  3. 2025-03-21
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2025-03-21
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  5. 2025-01-15
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2025-01-14
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2025-01-08
    ➕
    PEARSON, Roderick John appointed
    director
  8. 2025-01-07
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  9. 2025-01-05
    ➖
    LOWE, Ian Douglas resigned
    director
  10. 2024-03-27
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  11. 2022-12-30
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  12. 2021-12-23
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  13. 2021-05-20
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  14. 2019-12-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2018-12-17
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  16. 2017-12-13
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  17. 2017-01-20
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  18. 1994-06-30
    ➕
    BAYNHAM, Michael James appointed
    secretary
  19. 1994-06-30
    ➕
    BAYNHAM, Michael James appointed
    director
  20. 1994-06-30
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  21. 1994-06-30
    ➕
    LOWE, Ian Douglas appointed
    director
  22. 1994-06-30
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    corporate-nominee-director
  23. 1994-05-10
    🏢
    Company incorporated
    As THE BANK OF EDINBURGH GROUP LIMITED
  24. 1994-05-10
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  25. 1994-05-10
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director

Owner dependency

83/100
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.
  • +Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 72 — succession pressure is live.

Succession & seller-readiness

86/100
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.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 32 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

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
Mr John Mcarthur
Individual · British · DOB 12/1963 · age 63
——sig. influencesignificant influence06/01/2025
Mr Paul Wigham
Individual · British · DOB 03/1952 · age 74
——sig. influencesignificant influence06/01/2025
1 historic (ceased) PSC
  • Mr Ian Douglas Loweceased 06/01/2025· significant influence

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

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
Incorporated1994-05-10
Jurisdictionscotland
Primary SIC99999 — SIC 99999

Registered office

61a North Castle Street
Edinburgh
EH2 3LJ

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-05-24
Last: 2026-05-10

Officers (3 active · 3 resigned)

BAYNHAM, Michael James→
secretary · appointed 1994-06-30
View their other companies + combined net worth →
Active
BAYNHAM, Michael James→
director · ~70y · appointed 1994-06-30
View their other companies + combined net worth →
Active
PEARSON, Roderick John→
director · ~72y · appointed 2025-01-08
View their other companies + combined net worth →
Active
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 1994-05-10 · resigned 1994-06-30
Resigned
LOWE, Ian Douglas→
director · ~89y · appointed 1994-06-30 · resigned 2025-01-05
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-nominee-director · appointed 1994-05-10 · resigned 1994-06-30
Resigned

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

Recent filings (83 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-18
accounts-with-accounts-type-dormant
accounts · AA
2025-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-03-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-03-21
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-21
appoint-person-director-company-with-name-date
officers · AP01
2025-01-15
termination-director-company-with-name-termination-date
officers · TM01
2025-01-14
accounts-with-accounts-type-dormant
accounts · AA
2025-01-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-20
accounts-with-accounts-type-dormant
accounts · AA
2024-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-17
accounts-with-accounts-type-dormant
accounts · AA
2022-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-23
accounts-with-accounts-type-dormant
accounts · AA
2021-12-23