QUARTZ GROUP SCOTLAND LTD

🌳Matureactive
SC204996 · ltd · incorporated 2000-03-09
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£474.0k
book net assets
Opportunity
71/100
Strong
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
  • 77291Renting and leasing of media entertainment equipment
Investor take
Special-situation opportunity
Distressed property with salvageable qualities — special-situations priority.

Opportunity 71/100 (strong), bankability 67/100. Strong seller-intent signal (88/100, director aged 66). 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 (65/100).

🏦

Refinance opportunity

9 live charges · 4 lenders · oldest 24.8y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 24.8 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (82/100)

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

Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
83 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £474,043
Net assets shrinking
Down £21,240 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£474k
↓ 4.3% YoY
Current Assets
£183k
↓ 9.3% YoY
Current Liabilities
—
£0£99k£198k£297k£396k£495kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£475.6k£506.8k
Current assets£182.9k£201.6k
Net assets£474.0k£495.3k

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 (42 events)Click to expand
  1. 2025-12-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-01-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-12-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-12-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-12-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-01-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-04-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2020-01-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2018-11-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2017-11-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-03-30
    📄
    resolution
    resolution · RESOLUTIONS
  12. 2017-01-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  13. 2017-01-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2017-01-27
    🔓
    Charge satisfied #9
  15. 2017-01-27
    🔓
    Charge satisfied #8
  16. 2017-01-13
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2017-01-07
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  18. 2017-01-07
    🔓
    Charge satisfied #6
  19. 2016-10-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  20. 2016-10-14
    🔓
    Charge satisfied #7
  21. 2010-02-11
    🔒
    Charge registered #9
    Lender: Clydesdale Bank PLC
  22. 2009-11-24
    🔒
    Charge registered #8
    Lender: Clydesdale Bank PLC
  23. 2009-11-17
    🔒
    Charge registered #7
    Lender: Clydesdale Bank PLC
  24. 2009-10-14
    🔒
    Charge registered #6
    Lender: Clydesdale Bank PLC
  25. 2008-04-21
    🔓
    Charge satisfied #3
  26. 2008-04-17
    🔓
    Charge satisfied #2
  27. 2008-04-17
    🔓
    Charge satisfied #1
  28. 2008-04-03
    ➕
    KNOX, William appointed
    secretary
  29. 2008-04-03
    ➖
    LACIOK, Robert Raymond resigned
    secretary
  30. 2008-04-03
    ➖
    LACIOK, Robert Raymond resigned
    director
  31. 2008-04-03
    🔓
    Charge satisfied #5
  32. 2008-04-03
    🔓
    Charge satisfied #4
  33. 2001-09-21
    🔒
    Charge registered #5
    Lender: Gorsebrig Limited
  34. 2001-09-21
    🔒
    Charge registered #4
    Lender: The Governor and Company of the Bank of Scotland
  35. 2001-07-24
    🔒
    Charge registered #3
    Lender: The Governor and Company of the Bank of Scotland
  36. 2001-07-24
    🔒
    Charge registered #2
    Lender: Gerald Charles Mason and Another
  37. 2001-07-24
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  38. 2000-03-09
    🏢
    Company incorporated
    As QUARTZ GROUP SCOTLAND LTD
  39. 2000-03-09
    ➕
    KNOX, William appointed
    director
  40. 2000-03-09
    ➕
    MACLEAN, Iain appointed
    director
  41. 2000-03-09
    ➕
    LACIOK, Robert Raymond appointed
    secretary
  42. 2000-03-09
    ➕
    LACIOK, Robert Raymond appointed
    director

Owner dependency

83/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 66 — succession pressure is live.

Succession & seller-readiness

81/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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.

Red flags

1 high · 1 med ·
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-03-13

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.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Iain Maclean
Individual · British · DOB 10/1970 · age 56
25–50%
25–50%25-50% shares · 25-50% voting03/03/2017
Mr William Knox
Individual · British · DOB 09/1960 · age 66
25–50%
25–50%25-50% shares · 25-50% voting03/03/2017

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 →

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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
Incorporated2000-03-09
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

Production House Studios
117 Barfillan Drive
Glasgow
G52 1BD
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-03-13OVERDUE
Last: 2025-02-27

Officers (3 active · 2 resigned)

KNOX, William→
secretary · appointed 2008-04-03
View their other companies + combined net worth →
Active
KNOX, William→
director · ~66y · appointed 2000-03-09
View their other companies + combined net worth →
Active
MACLEAN, Iain→
director · ~56y · appointed 2000-03-09
View their other companies + combined net worth →
Active
LACIOK, Robert Raymond→
secretary · appointed 2000-03-09 · resigned 2008-04-03
Resigned
LACIOK, Robert Raymond→
director · ~74y · appointed 2000-03-09 · resigned 2008-04-03
Resigned

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

Mortgages & charges

9
Total charges
0
Outstanding
0
Active lenders
Status:Lender:9 of 9 shown
TypeProperties
satisfied
Virgin Money
Clydesdale Bank PLC
Standard security1 property11/02/201027/01/2017
satisfied
Virgin Money
Clydesdale Bank PLC
Standard security1 property24/11/200927/01/2017
satisfied
Virgin Money
Clydesdale Bank PLC
Standard security1 property17/11/200914/10/2016
satisfied
Virgin Money
Clydesdale Bank PLC
Floating charge1 property14/10/200907/01/2017
satisfied
Gorsebrig
Gorsebrig Limited
Standard security1 property21/09/200103/04/2008
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property21/09/200103/04/2008
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Floating charge1 property24/07/200121/04/2008
satisfied
Gerald Charles Mason and Another
Legal charge1 property24/07/200117/04/2008
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge1 property24/07/200117/04/2008

Recent filings (83 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-27
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-28
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-04
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-20
confirmation-statement-with-updates
confirmation-statement · CS01
2021-03-01
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-15
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-04-15
accounts-with-accounts-type-micro-entity
accounts · AA
2020-01-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-04-05