SINGULA DECISIONS LIMITED
🌳Matureactive
SC175703 · ltd · incorporated 1997-05-22
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
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Information technology consultancy activities
Sector: Information & communication
ALSO REGISTERED FOR
- 82200Activities of call centres
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 72/100 (strong), bankability 77/100. Strong seller-intent signal (78/100, director aged 65). Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
5 live charges · 3 lenders · oldest 19.8y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 19.8 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (59/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
22 officers (2 active, 22 linked, 13 with DOB)
82
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
224 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (75 events)Click to expand
- 2025-08-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-08-04🔓Charge satisfied #3
- 2025-06-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-06-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-06-12📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2025-02-14📄capital-cancellation-sharescapital · SH06
- 2025-02-13📄memorandum-articlesincorporation · MA
- 2025-01-29📄capital-return-purchase-own-sharescapital · SH03
- 2024-11-15📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2024-11-15📄resolutionresolution · RESOLUTIONS
- 2024-11-15📄legacycapital · SH20
- 2024-11-15⚠️legacyinsolvency · CAP-SS
- 2024-10-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-06-26📄accounts-with-accounts-type-smallaccounts · AA
- 2023-05-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-05-18📄memorandum-articlesincorporation · MA
- 2023-05-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-05-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-04-24📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2023-04-18📄resolutionresolution · RESOLUTIONS
- 2023-04-18📄capital-allotment-sharescapital · SH01
- 2022-06-28➖FREEMAN, Peter Geoffrey resigneddirector
- 2022-06-28➖JONES, Graeme Andrew resigneddirector
- 2022-06-28➖MILLAR, Ronald Miller resigneddirector
- 2022-06-28➖MORRISON, David John resigneddirector
- 2022-03-30➕THURLOW, Steven Edward appointeddirector
- 2021-09-30➖VAGHELA, Bhavesh Babu resigneddirector
- 2021-08-05➖WELSH, Graham Archibald resigneddirector
- 2020-01-29🔓Charge satisfied #5
- 2019-11-26🔒Charge registered #5Lender: Finstock Capital Limited
- 2019-09-26🔓Charge satisfied #4
- 2019-08-23🔒Charge registered #4Lender: Finstock Capital Limited
- 2018-09-05➖MILROY, David Alan, Dr resigneddirector
- 2018-09-05➕WELSH, Graham Archibald appointeddirector
- 2018-03-28➖MILLAR, Ronald resignedsecretary
- 2017-06-15➖GUTHRIE, Jonathan resigneddirector
- 2017-03-31➕VAGHELA, Bhavesh Babu appointeddirector
- 2015-08-04➕MILLAR, Ronald appointedsecretary
- 2015-08-04➖TAINTON, Gordon resignedsecretary
- 2015-07-30🔓Charge satisfied #2
- 2015-07-30🔓Charge satisfied #1
- 2015-07-24➕BURKE, Andrew Philip appointeddirector
- 2015-07-24➕MILROY, David Alan, Dr appointeddirector
- 2015-07-23🔒Charge registered #3Lender: Maven Capital Partners UK LLP
- 2015-03-13➖MACKINLAY, Jamie Grant resigneddirector
- 2014-10-30➖EYRE, Richard Anthony resigneddirector
- 2013-01-01➕MACKINLAY, Jamie Grant appointeddirector
- 2008-04-18➖JEARY, Iain resignedsecretary
Showing most recent 50 of 75 events
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
71/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 29 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
1 high · 1 med ·1 insolvency-related filing on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2024-11-15: legacy
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Steven Edward Thurlow Individual · British · DOB 05/1967 · age 59 | — | — | sig. influencesignificant influence | 20/11/2024 |
Mr Andrew Philip Burke Individual · British · DOB 04/1961 · age 65 | — | — | sig. influencesignificant influence | 20/11/2024 |
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 →Similar companies
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|---|---|---|---|---|---|---|---|
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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
Incorporated1997-05-22
Jurisdictionscotland
Primary SIC62020 — Information technology consultancy activities
Registered office
Office 4, Albion Business Space Mitchelston Drive
Mitchelston Industrial Estate
Kirkcaldy
Fife
KY1 3NB
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-05-14
Last: 2025-04-30
Officers (2 active · 20 resigned)
BURKE, Andrew Philip→
Activedirector · ~65y · appointed 2015-07-24
View their other companies + combined net worth →
THURLOW, Steven Edward→
Activedirector · ~59y · appointed 2022-03-30
View their other companies + combined net worth →
GUTHRIE, Jonathan→
Resignedsecretary · appointed 1997-06-04 · resigned 1998-05-13
JEARY, Iain→
Resignedsecretary · appointed 2004-11-23 · resigned 2008-04-18
MILLAR, Ronald→
Resignedsecretary · appointed 2015-08-04 · resigned 2018-03-28
MILLAR, Ronald→
Resignedsecretary · appointed 1998-05-13 · resigned 2000-07-04
TAINTON, Gordon→
Resignedsecretary · appointed 2008-04-18 · resigned 2015-08-04
TAINTON, Gordon→
Resignedsecretary · appointed 2000-07-04 · resigned 2004-11-23
COSEC LIMITED→
Resignedcorporate-nominee-secretary · appointed 1997-05-22 · resigned 1997-06-03
EYRE, Richard Anthony→
Resigneddirector · ~72y · appointed 2007-01-25 · resigned 2014-10-30
FREEMAN, Peter Geoffrey→
Resigneddirector · ~71y · appointed 1998-05-06 · resigned 2022-06-28
GUTHRIE, Jonathan→
Resigneddirector · ~66y · appointed 1997-06-04 · resigned 2017-06-15
JONES, Graeme Andrew→
Resigneddirector · ~61y · appointed 1998-05-06 · resigned 2022-06-28
MACKINLAY, Jamie Grant→
Resigneddirector · ~60y · appointed 2013-01-01 · resigned 2015-03-13
MILLAR, Ronald Miller→
Resigneddirector · ~66y · appointed 1997-06-04 · resigned 2022-06-28
MILROY, David Alan, Dr→
Resigneddirector · ~54y · appointed 2015-07-24 · resigned 2018-09-05
MORRISON, David John→
Resigneddirector · ~67y · appointed 2000-07-07 · resigned 2022-06-28
SEWELL, Ian James→
Resigneddirector · ~60y · appointed 1998-05-06 · resigned 2002-04-19
VAGHELA, Bhavesh Babu→
Resigneddirector · ~52y · appointed 2017-03-31 · resigned 2021-09-30
WELSH, Graham Archibald→
Resigneddirector · ~61y · appointed 2018-09-05 · resigned 2021-08-05
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Finstock Capital Finstock Capital Limited | A registered charge | — | 26/11/2019 | 29/01/2020 | |
| satisfied | Finstock Capital Finstock Capital Limited | A registered charge | 1 property | 23/08/2019 | 26/09/2019 | |
| satisfied | Maven Capital Partners UK Maven Capital Partners UK LLP | A registered charge | — | 23/07/2015 | 04/08/2025 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 14/08/2007 | 30/07/2015 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 05/07/2006 | 30/07/2015 |
Recent filings (224 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-13
mortgage-satisfy-charge-full
mortgage · MR04
2025-08-04
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-06-12
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-06-12
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2025-06-12
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-15
capital-cancellation-shares
capital · SH06
2025-02-14
memorandum-articles
incorporation · MA
2025-02-13
capital-return-purchase-own-shares
capital · SH03
2025-01-29
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2024-11-15
resolution
resolution · RESOLUTIONS
2024-11-15
legacy
capital · SH20
2024-11-15
legacy
insolvency · CAP-SS
2024-11-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-06