SUMMIT FINANCE (WISHAW) PLC

🌳Matureactive

SC185067 · plc · incorporated 1998-04-21

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.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 27.9y old — refinance window within 12 months

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

—

book net assets

Opportunity

79/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Other business support service activities n.e.c.

Sector: Administrative & support services

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 79/100 (strong), bankability 80/100. 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

1 live charge · oldest 27.9y

55/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 27.9 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 30/100 — workable, but lender will want more DD.
· Not currently profitable — coverage conversation is a harder sell.

Data confidence

Overall: medium (76/100)

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

31 officers (5 active, 31 linked, 27 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

37 connected companies via shared directors

Filing history

153 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Loss-making

Loss before tax £0

Key financials

1 year extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31
Profit before tax	£0
Average employees	0

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

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (79 events)Click to expand

2025-11-24
📄
accounts-with-accounts-type-interim
accounts · AA
2025-09-30
📄
accounts-with-accounts-type-full
accounts · AA
2025-04-24
📄
accounts-with-accounts-type-interim
accounts · AA
2025-02-20
📄
change-corporate-secretary-company-with-change-date
officers · CH04
2024-09-30
📄
accounts-with-accounts-type-full
accounts · AA
2024-05-29
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-05-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-05-21
➕
BOND, Josh Callum appointed
director
2024-05-21
➖
CAVILL, John Ivor resigned
director
2024-01-18
📄
accounts-with-accounts-type-interim
accounts · AA
2024-01-18
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-01-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-01-02
📄
change-corporate-secretary-company-with-change-date
officers · CH04
2023-12-31
➕
MCLURE, Cameron appointed
director
2023-12-31
➖
TENNANT, Andrew Leslie resigned
director
2023-12-13
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-12-12
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-12-12
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-12-12
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-10-10
📄
accounts-with-accounts-type-full
accounts · AA
2023-02-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-02-21
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-02-17
➕
DIX, Carl Harvey appointed
director
2023-02-17
➖
WRINN, John resigned
director
2023-02-03
📄
accounts-with-accounts-type-interim
accounts · AA
2022-10-03
📄
accounts-with-accounts-type-full
accounts · AA
2021-11-16
➖
GILMOUR, David Fulton resigned
director
2021-11-16
➕
WRINN, John appointed
director
2012-02-01
➕
SOLLEY, Christopher Thomas appointed
director
2011-12-12
➖
BRADLEY, Victoria Louise resigned
director
2011-03-10
➕
CAVILL, John Ivor appointed
director
2011-03-10
➕
GILMOUR, David Fulton appointed
director
2011-03-10
➖
MIDDLETON, Nigel Wythen resigned
director
2009-03-19
➕
BRADLEY, Victoria Louise appointed
director
2008-06-06
➖
DICKIE, Timothy John resigned
director
2005-10-31
➕
INFRASTRUCTURE MANAGERS LIMITED appointed
corporate-secretary
2005-10-31
➖
MITRE SECRETARIES LIMITED resigned
corporate-secretary
2005-04-20
➕
DICKIE, Timothy John appointed
director
2004-12-15
➖
DICKINSON, Victoria Helen resigned
director
2004-10-29
➖
WOTHERSPOON, Robert John William resigned
secretary
2004-10-29
➕
MITRE SECRETARIES LIMITED appointed
corporate-secretary
2004-10-29
➖
COLLARD, Michael John resigned
director
2004-10-29
➖
WOTHERSPOON, Robert John William resigned
director
2004-07-23
➖
JESSOP, Alan Dixon resigned
director
2004-07-23
➕
MIDDLETON, Nigel Wythen appointed
director
2004-05-18
➖
INGRAM, Peter John resigned
director
2004-03-16
➖
SHELLEY, Miles Colin resigned
director
2004-03-16
➕
WOTHERSPOON, Robert John William appointed
director
2004-02-20
➕
WOTHERSPOON, Robert John William appointed
secretary
2004-02-20
➖
D.W. COMPANY SERVICES LIMITED resigned
corporate-nominee-secretary

Showing most recent 50 of 79 events

Owner dependency

48/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 60 — approaching natural succession window.

Succession & seller-readiness

53/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
secondary12+ year tenure: Director in role 14 years.
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.)

Group structure

2 corporate shareholders identified. Group structure is distributed.

🏛️

Summit Healthcare (Wishaw) Limited

Corporate parent · board control

🏛️

Royal Exchange Trustee Nominees Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

SUMMIT FINANCE (WISHAW) PLC

This company · SC185067

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Summit Healthcare (Wishaw) Limited Corporate entity	—	75–100%	board control75-100% voting · board control	06/04/2016
Royal Exchange Trustee Nominees Limited Corporate entity	75–100%	—	75-100% shares	06/04/2016

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

Active · Trade services · EH postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ELGIN INFRASTRUCTURE LIMITED→ SC366432 · est 2009	£50.96M £38.22M–£63.70M	—	—	0	16y	94	64y
STIRLING GATEWAY LIMITED→ SC291034 · est 2005	£5.98M £4.49M–£7.48M	—	—	0	20y	88	70y
UNITED CAPITAL GROUP LTD→ SC550711 · est 2016	£5.96M £4.47M–£7.45M	—	—	297	9y	84	83y
ELGIN EDUCATION (ABERDEENSHIRE 2) LIMITED→ SC259895 · est 2003	£5.44M £4.08M–£6.80M	—	—	0	22y	84	64y
PPP SERVICES (NORTH AYRSHIRE) LIMITED→ SC294870 · est 2005	£5.04M £3.78M–£6.30M	—	—	0	20y	87	60y
DISCOVERY EDUCATION PLC→ SC313681 · est 2006	£4.97M £3.73M–£6.22M	—	—	0	19y	90	61y
ABC SCHOOLS LIMITED→ SC281989 · est 2005	£4.71M £3.53M–£5.89M	—	—	0	21y	84	71y
PPP SERVICES (NORTH AYRSHIRE) HOLDINGS LIMITED→ SC294861 · est 2005	£4.61M £3.46M–£5.76M	—	—	0	20y	87	60y
GLASGOW HEALTHCARE FACILITIES (HOLDINGS) LIMITED→ SC290718 · est 2005	£4.00M £3.00M–£5.00M	—	—	0	20y	84	63y
DSF HOLDINGS LIMITED→ SC239681 · est 2002	£3.91M £2.93M–£4.89M	—	—	7	23y	87	61y
LOCHGILPHEAD HEALTHCARE SERVICES LIMITED→ SC240996 · est 2002	£3.83M £2.88M–£4.79M	—	—	0	23y	84	60y
FCC (EAST AYRSHIRE) LIMITED→ SC300469 · est 2006	£3.70M £2.78M–£4.63M	—	—	0	20y	87	60y

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

Typeplc

Incorporated1998-04-21

Jurisdictionscotland

Primary SIC82990 — Other business support service activities n.e.c.

Registered office

C/O Infrastructure Managers Limited 2nd Floor Drum Suite, Saltire Court

20 Castle Terrace

Edinburgh

EH1 2EN

United Kingdom

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-06-09

Last: 2026-05-26