HOWDEN SCOTLAND LIMITED
🌳Matureactive
SC207315 · ltd · incorporated 2000-05-19
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueActive trading company. Reasonable fundamentals — worth a memo before deciding.
Opportunity 69/100 (strong), bankability 57/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (50/100).
🏦
Refinance opportunity
8 live charges · 5 lenders · oldest 24.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 24.7 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 38/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (60/100)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
No iXBRL financials extracted
0
Lenders & charges
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
25 officers (4 active, 25 linked, 19 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
144 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
69
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 officers
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (81 events)Click to expand
- 2026-02-24📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-16📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-06-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-12➖BENNET, Clare resigneddirector
- 2025-05-29➖BRUCE, Newton Edward John resigneddirector
- 2025-05-29➖CHRISTIE, Graeme resigneddirector
- 2025-05-29➖CUMPSTEY, Jonathan Paul resigneddirector
- 2025-05-29➖MCDONALD, Richard James resigneddirector
- 2025-05-29➖RICHARDS, Mark James resigneddirector
- 2025-04-22📄accounts-with-accounts-type-fullaccounts · AA
- 2025-04-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-04-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-12-24📄mortgage-charge-part-release-with-charge-numbermortgage · MR05
- 2024-11-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-19➖ROOTHAM, Stuart Paul resigneddirector
- 2024-09-25📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-20📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2024-06-20📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2024-06-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-06-13🔒Charge registered #8Lender: Morgan Stanley Senior Funding, Inc
- 2024-06-13🔒Charge registered #7Lender: Morgan Stanley Senior Funding, Inc. as Collateral Agent
- 2024-06-07➕BENNET, Clare appointeddirector
- 2024-04-16📄accounts-with-accounts-type-fullaccounts · AA
- 2024-03-19📄change-person-director-company-with-change-dateofficers · CH01
- 2024-03-19📄change-person-director-company-with-change-dateofficers · CH01
- 2024-03-05🔓Charge satisfied #6
- 2024-02-27🔓Charge satisfied #3
- 2024-01-16➖DALLAS, Mark resigneddirector
- 2023-06-26➕HOGG, Kenneth Derek appointeddirector
- 2023-04-06➕MANNING, Graeme Robert appointedsecretary
- 2023-04-06➖DALLAS, Mark resignedsecretary
- 2023-03-21➕CUMPSTEY, Jonathan Paul appointeddirector
- 2023-03-21➕ROOTHAM, Stuart Paul appointeddirector
- 2023-01-25➕MCDONALD, Richard James appointeddirector
- 2022-12-31➖ADAM, Andrew resigneddirector
- 2022-07-01🔒Charge registered #6Lender: Wilmington Trust, National Association as Collateral Agent
- 2022-07-01🔒Charge registered #5Lender: Morgan Stanley Senior Funding, Inc. as Collateral Agent
- 2022-07-01🔒Charge registered #4Lender: Morgan Stanley Senior Funding, Inc. as Collateral Agent
- 2022-07-01🔒Charge registered #3Lender: Wilmington Trust, National Association as Collateral Agent
- 2022-04-29➕CHRISTIE, Graeme appointeddirector
- 2022-04-20➖FAIRGRIEVE, Scott resigneddirector
- 2022-03-09➕DICKSON, Warren Paul appointeddirector
- 2022-02-09➕MACLEOD, Stuart John appointeddirector
Showing most recent 50 of 81 events
Owner dependency
50/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
2 med ·6 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: BENNET, Clare resigned 2025-06-12; BRUCE, Newton Edward John resigned 2025-05-29; CHRISTIE, Graeme resigned 2025-05-29
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Howden Uk&I Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Howden Uk&I Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
HOWDEN SCOTLAND LIMITED
This company · SC207315
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Howden Uk&I Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 28/03/2025 |
1 historic (ceased) PSC
- Bruce Stevenson Limitedceased 28/03/2025· 75-100% shares
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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|---|---|---|---|---|---|---|---|
| HOXTON VENTURES IV, (SCOT) LTD→ SC818164 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| KILGOUR INVESTMENTS LIMITED→ SC555112 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| KILWAUGHTER CONSULTANTS LTD.→ SC351701 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| KK ADVISER LTD→ SC761416 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| KSF III GP LIMITED→ SC672712 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| L3 INVESTMENT HOLDINGS GP LIMITED→ SC521123 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| L5 INVESTMENT HOLDINGS GP LIMITED→ SC581677 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| LARCHPOINT 1B RB CARRY GP LIMITED→ SC677790 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| LARCHPOINT 1B RB COINVEST GP LIMITED→ SC677796 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| LARCHPOINT 1B RB GP LIMITED→ SC677786 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| LARCHPOINT ALTERNATIVE RB COINVEST GP LIMITED→ SC677821 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| LARCHPOINT ALTERNATIVE RB GP LIMITED→ SC677805 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2000-05-19
Jurisdictionscotland
Primary SIC65120 — Non-life insurance
Registered office
76 Coburg Street
Edinburgh
EH6 6HJ
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2027-03-15
Last: 2026-03-01
Officers (4 active · 21 resigned)
MANNING, Graeme Robert→
Activesecretary · appointed 2023-04-06
View their other companies + combined net worth →
DICKSON, Warren Paul→
Activedirector · ~55y · appointed 2022-03-09
View their other companies + combined net worth →
HOGG, Kenneth Derek→
Activedirector · ~54y · appointed 2023-06-26
View their other companies + combined net worth →
MACLEOD, Stuart John→
Activedirector · ~53y · appointed 2022-02-09
View their other companies + combined net worth →
DALLAS, Mark→
Resignedsecretary · appointed 2008-01-14 · resigned 2023-04-06
KANE, Isabella Noble→
Resignedsecretary · appointed 2001-02-20 · resigned 2007-11-30
COMLAW SECRETARY LIMITED→
Resignedcorporate-secretary · appointed 2000-05-19 · resigned 2000-10-19
DW COMPANY SERVICES LIMITED→
Resignedcorporate-secretary · appointed 2000-10-19 · resigned 2001-02-20
ADAM, Andrew→
Resigneddirector · ~71y · appointed 2010-07-22 · resigned 2022-12-31
BENNET, Clare→
Resigneddirector · ~44y · appointed 2024-06-07 · resigned 2025-06-12
BROWN, Scott→
Resigneddirector · ~53y · appointed 2002-01-01 · resigned 2004-07-22
BRUCE, Newton Edward John→
Resigneddirector · ~62y · appointed 2000-10-19 · resigned 2025-05-29
CHRISTIE, Graeme→
Resigneddirector · ~49y · appointed 2022-04-29 · resigned 2025-05-29
CUMPSTEY, Jonathan Paul→
Resigneddirector · ~65y · appointed 2023-03-21 · resigned 2025-05-29
DALLAS, Mark→
Resigneddirector · ~54y · appointed 2008-05-15 · resigned 2024-01-16
FAIRGRIEVE, Scott→
Resigneddirector · ~56y · appointed 2004-07-30 · resigned 2022-04-20
HUDSON, David John→
Resigneddirector · ~80y · appointed 2000-12-15 · resigned 2005-09-12
KANE, Isabella Noble→
Resigneddirector · ~75y · appointed 2004-07-30 · resigned 2007-11-30
MCCARTHY, Jane→
Resigneddirector · ~67y · appointed 2000-12-15 · resigned 2012-08-31
MCDONALD, Richard James→
Resigneddirector · ~50y · appointed 2023-01-25 · resigned 2025-05-29
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
4
Outstanding
2
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Morgan Stanley Senior Funding, Morgan Stanley Senior Funding, Inc | A registered charge | — | 13/06/2024 | — | |
| outstanding | Morgan Stanley Senior Funding, . as Collateral Agent Morgan Stanley Senior Funding, Inc. as Collateral Agent | A registered charge | 1 property | 13/06/2024 | — | |
| satisfied | Wilmington Trust, National Association as Collateral Agent | A registered charge | — | 01/07/2022 | 05/03/2024 | |
| outstanding | Morgan Stanley Senior Funding, . as Collateral Agent Morgan Stanley Senior Funding, Inc. as Collateral Agent | A registered charge | 1 property | 01/07/2022 | — | |
| outstanding | Morgan Stanley Senior Funding, . as Collateral Agent Morgan Stanley Senior Funding, Inc. as Collateral Agent | A registered charge | 1 property | 01/07/2022 | — | |
| satisfied | Wilmington Trust, National Association as Collateral Agent | A registered charge | — | 01/07/2022 | 27/02/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 23/06/2004 | 05/05/2021 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 30/08/2001 | 21/09/2004 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (144 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-03
change-person-director-company-with-change-date
officers · CH01
2026-02-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-06
change-account-reference-date-company-current-extended
accounts · AA01
2025-09-16
termination-director-company-with-name-termination-date
officers · TM01
2025-06-26
termination-director-company-with-name-termination-date
officers · TM01
2025-06-13
termination-director-company-with-name-termination-date
officers · TM01
2025-06-13
termination-director-company-with-name-termination-date
officers · TM01
2025-06-13
termination-director-company-with-name-termination-date
officers · TM01
2025-06-13
termination-director-company-with-name-termination-date
officers · TM01
2025-06-13
accounts-with-accounts-type-full
accounts · AA
2025-04-22
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-04-02
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-04-02
mortgage-charge-part-release-with-charge-number
mortgage · MR05
2024-12-24
termination-director-company-with-name-termination-date
officers · TM01
2024-11-21