DIAMOND FINANCIAL (SCOTLAND) LIMITED
💤Zombieactive
SC196870 · ltd · incorporated 1999-06-04
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£4.6k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Accounting and auditing activities
Sector: Professional, scientific & technical
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 79/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
3 live charges · oldest 10.1y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 10.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (72/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
6 officers (1 active, 6 linked, 4 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
87 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £4,563
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
£5k
Current Assets
£96k
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-06-30 |
|---|---|
| Total assets | £107.5k |
| Current assets | £95.8k |
| Net assets | £4.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 2 accounts
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2026-02-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-12-10📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-09-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-19🔓Charge satisfied #2
- 2024-09-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-04📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-11🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2022-03-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-06-16📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2021-03-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-03-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-01-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-03-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-03-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-26🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2016-03-23🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2015-12-31➖THOMPSON, Trevor Harold resigneddirector
- 2013-03-15➕FOX, Gillian Carol appointeddirector
- 2013-03-15➖FOX, Gillian Carol resignedsecretary
- 2013-03-15➖FOX, Gillian Carol resigneddirector
- 2013-03-14➕THOMPSON, Trevor Harold appointeddirector
- 2012-06-29➖FLEMING, Lorna Eileen Margaret resigneddirector
- 1999-06-04🏢Company incorporatedAs DIAMOND FINANCIAL (SCOTLAND) LIMITED
- 1999-06-04➕FOX, Gillian Carol appointedsecretary
- 1999-06-04➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 1999-06-04➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 1999-06-04➕FLEMING, Lorna Eileen Margaret appointeddirector
- 1999-06-04➕FOX, Gillian Carol appointeddirector
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
78/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 13 years.
- secondaryStable-but-static management: Company is 27 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Gillian Carol Fox Individual · British · DOB 08/1964 · age 62 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 01/06/2017 |
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 · Professional services · TD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CAMERON LAIRD ARCHITECTS LIMITED→ SC444256 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| CAMPBELL CLEASBY CONSULTING LTD→ 04638099 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| CCS EUROPE LTD→ 11991757 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CHEVIOT VETS LTD→ 09510685 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| COMBEAMS LIMITED→ 13287276 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CONSTRUCTION CLAIM RESOLUTION GLOBAL LTD→ 14758165 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| COPIATEK LTD→ 16372294 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| D F WISHART (1857) LTD→ 13023753 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| DEREK J ANDERSON QUANTITY SURVEYING SERVICES LTD→ SC515453 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| DEVIMED LTD→ 12973117 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| DIGI-GEEKS LIMITED→ 10776637 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| DIGI-GEEKS TECHNOLOGIES LIMITED→ SC731684 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated1999-06-04
Jurisdictionscotland
Primary SIC69201 — Accounting and auditing activities
Registered office
Commercial Bank Buildings
Market Square
Duns
Berwickshire
TD11 3AL
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-06-13
Last: 2025-05-30
Officers (1 active · 5 resigned)
FOX, Gillian Carol→
Activedirector · ~62y · appointed 2013-03-15
View their other companies + combined net worth →
FOX, Gillian Carol→
Resignedsecretary · appointed 1999-06-04 · resigned 2013-03-15
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 1999-06-04 · resigned 1999-06-04
FLEMING, Lorna Eileen Margaret→
Resigneddirector · ~73y · appointed 1999-06-04 · resigned 2012-06-29
FOX, Gillian Carol→
Resigneddirector · ~62y · appointed 1999-06-04 · resigned 2013-03-15
THOMPSON, Trevor Harold→
Resigneddirector · ~57y · appointed 2013-03-14 · resigned 2015-12-31
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 11/09/2023 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 26/04/2016 | 19/05/2025 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 23/03/2016 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (87 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-26
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-12-10
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-02
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-09
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-19
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-07
change-person-director-company-with-change-date
officers · CH01
2024-06-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-04
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-09
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-07
change-account-reference-date-company-current-extended
accounts · AA01
2021-06-16