NUVO SCOTLAND LIMITED
- · Thesis: well-run, low negotiation leverage
No material changes in the last 30 days.
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
- 69203Tax consultancy
Opportunity 72/100 (strong), bankability 77/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
5 live charges · 5 lenders · oldest 31.5y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 31.5 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 |
|---|---|
| Total assets | £375.9k |
| Current assets | £1.03M |
| Cash | £43.1k |
| Debtors | £987.1k |
| Net assets | £371.0k |
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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
- • 1 officers
Corporate timeline (66 events)Click to expand
- 2025-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-14➖WILSON, Andrew Richard resigneddirector
- 2025-09-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-05-30✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-04-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-03📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2024-10-29➕KNAPP, Benjamin David appointeddirector
- 2024-10-29➕ROGERS, Simon Mark appointeddirector
- 2024-10-29➕SHARP, Stephen James appointeddirector
- 2024-10-29➖MCKENZIE, Steven John resigneddirector
- 2024-10-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-25🔓Charge satisfied #5
- 2024-10-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-07➕WILSON, Andrew Richard appointeddirector
- 2023-06-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-01-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-01-16➕MCKENZIE, Steven John appointeddirector
- 2023-01-13➖FERROL, Fiona Slater resigneddirector
- 2022-11-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-10-31➖MCKENZIE, Steven John resigneddirector
- 2022-09-20➖HENDRY, Lynne resigneddirector
- 2022-09-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-08-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-08-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-08-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-07-01➖BRUCE, Lisa Jane resigneddirector
- 2022-07-01➕FERROL, Fiona Slater appointeddirector
- 2022-07-01➕HENDRY, Lynne appointeddirector
- 2022-07-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-06-24➖SMITH, James resigneddirector
- 2022-03-23🔓Charge satisfied #4
- 2014-07-21🔒Charge registered #5Lender: Bank of Scotland PLC
- 2010-04-01➕BRUCE, Lisa Jane appointeddirector
- 2010-02-16🔓Charge satisfied #3
- 2010-01-22➖ROBERTSON, Alexander George resigneddirector
- 2010-01-15🔒Charge registered #4Lender: Bibby Factors Scotland Limited
- 2010-01-08➖CLP SECRETARIES LIMITED resignedcorporate-secretary
- 2010-01-07➕MURRAY, Thomas Ross Keith appointeddirector
- 2009-11-02➖MITCHELL, Stephen resigneddirector
- 2008-07-01➕MCKENZIE, Steven John appointeddirector
- 2008-07-01➕MITCHELL, Stephen appointeddirector
- 2002-01-09➖MORRISON, Moira Jean resigneddirector
- 2001-03-06🔓Charge satisfied #2
- 2001-01-19🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondary12+ year tenure: Director in role 16 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-05-30: certificate-change-of-name-company
Group structure
Mm Accountants 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 |
|---|---|---|---|---|
Mm Accountants Ltd Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
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
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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 (4 active · 15 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 21/07/2014 | 25/10/2024 | |
| satisfied | Bibby Financial Services Bibby Factors Scotland Limited | Floating charge | 1 property | 15/01/2010 | 23/03/2022 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 19/01/2001 | 16/02/2010 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Floating charge debenture | 1 property | 09/02/1995 | 06/03/2001 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 15/11/1994 | 10/03/1995 |