CELLO ELECTRONICS (UK) LTD.

🌳Matureactive
SC169201 · ltd · incorporated 1996-10-21
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£9.19M
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pursue
Active trading company with a 81-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 81). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 10 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

10 live charges · 9 lenders · oldest 29.4y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 29.4 years old — likely at or near maturity.
  • · 9 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
10 charges (10/10 with lender, 10/10 with type)
90
Directors & officers
8 officers (4 active, 8 linked, 6 with DOB)
85
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
108 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
69
Some moderate concerns — review 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 £9,192,410
Cash YoY
+67%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£5.3m
↑ 67% YoY
Net Worth
£9.2m
↑ 12% YoY
Current Assets
£14m
↑ 30% YoY
Current Liabilities
—
£0£2.9m£5.7m£8.6m£11m£14mMar 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£9.20M£8.20M
Current assets£14.37M£11.02M
Cash£5.26M£3.16M
Debtors£5.00M£4.54M
Net assets£9.19M£8.19M

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

🔒Filing-note intelligence

2 signals 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

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 (48 events)Click to expand
  1. 2025-12-17
    📄
    accounts-with-accounts-type-medium
    accounts · AA
  2. 2025-10-24
    📄
    mortgage-alter-floating-charge-with-number
    mortgage · 466(Scot)
  3. 2025-10-07
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2025-09-25
    🔒
    Charge registered #10
    Lender: Brian John Palmer
  5. 2025-08-20
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  6. 2025-08-20
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  7. 2025-07-29
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  8. 2025-07-29
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2025-07-29
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2025-07-29
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2025-07-29
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2025-07-29
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  13. 2025-07-29
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  14. 2025-07-01
    ➕
    DINSDALE, Suzanne Louise appointed
    director
  15. 2025-07-01
    ➕
    GALBRAITH, Stuart appointed
    director
  16. 2025-07-01
    ➕
    HUGHES, Steven Peter appointed
    director
  17. 2025-07-01
    ➖
    PALMER, Valerie Anne Beatrice resigned
    secretary
  18. 2025-07-01
    ➖
    PALMER, Valerie Anne Beatrice resigned
    director
  19. 2024-12-06
    📄
    accounts-with-accounts-type-full
    accounts · AA
  20. 2023-12-22
    📄
    accounts-with-accounts-type-full
    accounts · AA
  21. 2022-12-22
    📄
    accounts-with-accounts-type-full
    accounts · AA
  22. 2021-10-25
    📄
    accounts-with-accounts-type-full
    accounts · AA
  23. 2020-09-11
    📄
    accounts-with-accounts-type-full
    accounts · AA
  24. 2019-10-11
    📄
    accounts-with-accounts-type-full
    accounts · AA
  25. 2018-12-01
    🔓
    Charge satisfied #9
  26. 2017-07-11
    🔓
    Charge satisfied #8
  27. 2017-02-23
    🔒
    Charge registered #9
    Lender: Bibby Financial Services LTD (As Security Trustee)
  28. 2016-10-27
    🔓
    Charge satisfied #3
  29. 2016-06-28
    🔓
    Charge satisfied #6
  30. 2016-06-28
    🔓
    Charge satisfied #7
  31. 2016-04-09
    🔒
    Charge registered #8
    Lender: Bibby Invoice Discounting LTD
  32. 2014-11-20
    ➖
    ROWE, John resigned
    director
  33. 2014-07-14
    🔒
    Charge registered #6
    Lender: Bibby Invoice Discounting Limited
  34. 2014-07-10
    🔒
    Charge registered #7
    Lender: Bibby Trade Services Limited
  35. 2012-04-02
    🔒
    Charge registered #5
    Lender: Hsbc Bank PLC
  36. 2010-12-14
    ➕
    ROWE, John appointed
    director
  37. 2009-09-03
    🔓
    Charge satisfied #2
  38. 2005-04-05
    🔓
    Charge satisfied #1
  39. 2005-01-31
    🔒
    Charge registered #4
    Lender: Hsbc Bank PLC
  40. 2005-01-31
    🔒
    Charge registered #3
    Lender: Hsbc Invoice Finance (UK) Limited
  41. 2003-03-05
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  42. 1996-12-18
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  43. 1996-10-21
    🏢
    Company incorporated
    As CELLO ELECTRONICS (UK) LTD.
  44. 1996-10-21
    ➕
    PALMER, Brian John appointed
    director
  45. 1996-10-21
    ➕
    PALMER, Valerie Anne Beatrice appointed
    secretary
  46. 1996-10-21
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  47. 1996-10-21
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  48. 1996-10-21
    ➕
    PALMER, Valerie Anne Beatrice appointed
    director

Owner dependency

65/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 81 — succession pressure is live.

Succession & seller-readiness

80/100
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 81 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 30 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

2 med ·
2 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: PALMER, Valerie Anne Beatrice resigned 2025-07-01; PALMER, Valerie Anne Beatrice resigned 2025-07-01

Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Cello Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Cello Holdings Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
CELLO ELECTRONICS (UK) LTD.
This company · SC169201

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%
NameSharesVoting rightsNature of controlNotified
Cello Holdings Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016
2 historic (ceased) PSCs
  • Cello Eot Limitedceased 01/07/2025· significant influence
  • Cello Holdings Limitedceased 01/07/2025· 75-100% shares · 75-100% voting · board control

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

8 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
Incorporated1996-10-21
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

29 Brandon Street
Hamilton
South Lanarkshire
ML3 6DA

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-04
Last: 2025-10-21

Officers (4 active · 4 resigned)

DINSDALE, Suzanne Louise→
director · ~46y · appointed 2025-07-01
View their other companies + combined net worth →
Active
GALBRAITH, Stuart→
director · ~54y · appointed 2025-07-01
View their other companies + combined net worth →
Active
HUGHES, Steven Peter→
director · ~56y · appointed 2025-07-01
View their other companies + combined net worth →
Active
PALMER, Brian John→
director · ~81y · appointed 1996-10-21
View their other companies + combined net worth →
Active
PALMER, Valerie Anne Beatrice→
secretary · appointed 1996-10-21 · resigned 2025-07-01
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 1996-10-21 · resigned 1996-10-21
Resigned
PALMER, Valerie Anne Beatrice→
director · ~71y · appointed 1996-10-21 · resigned 2025-07-01
Resigned
ROWE, John→
director · ~79y · appointed 2010-12-14 · resigned 2014-11-20
Resigned

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

Mortgages & charges

10
Total charges
3
Outstanding
2
Active lenders
Status:Lender:10 of 10 shown
TypeProperties
outstanding
Brian John Palmer / Valerie Anne Beatrice Palmer
A registered charge1 property25/09/2025—
satisfied
Bibby Financial Services
Bibby Financial Services LTD (As Security Trustee)
A registered charge—23/02/201701/12/2018
satisfied
Bibby Financial Services
Bibby Invoice Discounting LTD
A registered charge—09/04/201611/07/2017
satisfied
Bibby Financial Services
Bibby Invoice Discounting Limited
A registered charge1 property14/07/201428/06/2016
satisfied
Bibby Financial Services
Bibby Trade Services Limited
A registered charge—10/07/201428/06/2016
outstanding
HSBC
Hsbc Bank PLC
Legal mortgage1 property02/04/2012—
outstanding
HSBC
Hsbc Bank PLC
Floating charge1 property31/01/2005—
satisfied
HSBC
Hsbc Invoice Finance (UK) Limited
Floating charge1 property31/01/200527/10/2016
satisfied
Barclays
Barclays Bank PLC
Floating charge1 property05/03/200303/09/2009
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property18/12/199605/04/2005
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (108 total)

accounts-with-accounts-type-medium
accounts · AA
2025-12-17
mortgage-alter-floating-charge-with-number
mortgage · 466(Scot)
2025-10-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-07
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-08-20
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-08-20
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-07-29
appoint-person-director-company-with-name-date
officers · AP01
2025-07-29
appoint-person-director-company-with-name-date
officers · AP01
2025-07-29
appoint-person-director-company-with-name-date
officers · AP01
2025-07-29
termination-director-company-with-name-termination-date
officers · TM01
2025-07-29
termination-secretary-company-with-name-termination-date
officers · TM02
2025-07-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-07-29
accounts-with-accounts-type-full
accounts · AA
2024-12-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-21