FBD CONSULTANCY LIMITED
💤Zombieactive
SC202280 · ltd · incorporated 1999-12-10
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 Mar 2025
Net worth
£898.0k
book net assets
Opportunity
74/100
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 acceptable with review structure.
Opportunity 74/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
5 live charges · 4 lenders · oldest 19.8y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 19.8 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 5 total, 5 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
94 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
77
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 £897,964
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£898k
↑ 9.3% YoY
Current Assets
£883k
↑ 14% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £1.17M | £1.07M |
| Current assets | £883.0k | £772.5k |
| Net assets | £898.0k | £821.8k |
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
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
- 2025-12-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-08-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-31🔒Charge registered #5Lender: Allica Bridging Finance Limited
- 2025-07-24🔒Charge registered #4Lender: Allica Bridging Finance Limited
- 2025-05-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-21🔓Charge satisfied #2
- 2025-05-21🔓Charge satisfied #1
- 2024-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-10-03📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-12-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-12-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-04-13📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-04-13📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-04-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-04-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-04-27🔒Charge registered #3Lender: Derek Kilcoyne
- 2015-04-27🔒Charge registered #2Lender: Michelle Kilcoyne
- 2010-11-01➖KILCOYNE, Brian James resigneddirector
- 2006-06-23🔒Charge registered #1Lender: Capital Bank PLC
- 2000-01-25➕KILCOYNE, Derek appointedsecretary
- 2000-01-25➕KILCOYNE, Derek appointeddirector
- 2000-01-25➖ASHCROFT CAMERON SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2000-01-25➕KILCOYNE, Brian James appointeddirector
- 2000-01-25➖ASHCROFT CAMERON NOMINEES LIMITED resignedcorporate-nominee-director
- 1999-12-10🏢Company incorporatedAs FBD CONSULTANCY LIMITED
- 1999-12-10➕ASHCROFT CAMERON SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 1999-12-10➕ASHCROFT CAMERON NOMINEES LIMITED appointedcorporate-nominee-director
Owner dependency
85/100
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.
- +Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
75/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 26 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 med ·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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Derek Kilcoyne Individual · British · DOB 04/1970 · age 56 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/04/2024 |
4 historic (ceased) PSCs
- Mr Derek Kilcoyneceased 01/04/2024· 75-100% shares · 75-100% voting · board control
- Mr Steven Kilcoyneceased 26/07/2021· 25-50% shares
- Mr Derek Kilcoyneceased 13/04/2021· 25-50% voting · board control
- Mr Michelle Anderson Kilcoyneceased 13/04/2021· 25-50% shares · 25-50% voting
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 · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CAIRN GLOBAL ADVISORY LIMITED→ SC842426 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CALDER HAY STEWART & CO LTD→ SC618666 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CALEDONIA PROPERTY SERVICES LTD→ SC618128 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CALLIACH CONSULTANCY LTD→ SC538638 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CALUM SHAW CONSULTANCY LIMITED→ SC459444 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| CALVA MEDIA LTD→ SC659237 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| CAMIRREN ENGINEERING LIMITED→ SC735287 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CARE24SOLUTION LTD→ SC851058 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CAREVOCATION LTD→ SC377782 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| CARMICHAEL CONSTRUCTION & TRAINING CONSULTANCY LTD→ SC829888 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CARNEADES CONSULTING LTD→ SC878918 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CARROL & CO. LTD→ SC388824 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated1999-12-10
Jurisdictionscotland
Primary SIC69201 — Accounting and auditing activities
Registered office
5 Camstradden Drive East
Bearsden
Glasgow
G61 4AH
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-13
Last: 2025-10-30
Officers (2 active · 3 resigned)
Active
KILCOYNE, Derek→
Activedirector · ~56y · appointed 2000-01-25
View their other companies + combined net worth →
ASHCROFT CAMERON SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 1999-12-10 · resigned 2000-01-25
KILCOYNE, Brian James→
Resigneddirector · ~59y · appointed 2000-01-25 · resigned 2010-11-01
ASHCROFT CAMERON NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 1999-12-10 · resigned 2000-01-25
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
3
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Allica Bank Allica Bridging Finance Limited | A registered charge | 3 properties | 31/07/2025 | — | |
| outstanding | Allica Bank Allica Bridging Finance Limited | A registered charge | — | 24/07/2025 | — | |
| outstanding | Derek Kilcoyne | A registered charge | — | 27/04/2015 | — | |
| satisfied | Michelle Kilcoyne | A registered charge | — | 27/04/2015 | 21/05/2025 | |
| satisfied | Capital Bank Capital Bank PLC | Marine mortgage | 1 property | 23/06/2006 | 21/05/2025 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (94 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-05
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-21
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-08
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-23
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-10-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-10-03
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-22
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-23
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-23