INDEPENDENT FINANCIAL ADVICE CENTRE (SCOTLAND) LIMITED

⚰️Wound downdissolved
SC214368 · ltd · incorporated 2001-01-03
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 20.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
64/100
Worth a look
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65120Non-life insurance
  • 65300Pension funding
Investor take
Pass (distressed without resilience)
Distressed unclear — structural issues outweigh the discount.

Opportunity 64/100 (worth a look), bankability 75/100. Strong seller-intent signal (78/100, director aged 71). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 20.5y

65/100
clean up first

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

  • · Oldest live charge is 20.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: low (48/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile
address, 3 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
5 officers (1 active, 5 linked, 2 with DOB)
78
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
2 connected companies via shared directors
51
Filing history
45 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
64/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
30
Concerning — overdue filings or status flags present.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
  1. 2015-07-03
    📄
    gazette-dissolved-voluntary
    gazette · GAZ2(A)
  2. 2015-07-03
    🏁
    Company dissolved
  3. 2015-03-13
    📄
    gazette-notice-voluntary
    gazette · GAZ1(A)
  4. 2015-02-24
    📄
    dissolution-application-strike-off-company
    dissolution · DS01
  5. 2014-10-29
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  6. 2014-10-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  7. 2014-08-01
    📄
    gazette-notice-compulsary
    gazette · GAZ1
  8. 2014-01-09
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  9. 2013-03-19
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  10. 2012-11-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  11. 2012-09-11
    📍
    change-registered-office-address-company-with-date-old-address
    address · AD01
  12. 2012-08-08
    📄
    termination-secretary-company-with-name
    officers · TM02
  13. 2012-07-01
    ➖
    EVANS, Keith Michael resigned
    secretary
  14. 2012-01-17
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2011-09-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2011-01-24
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2010-11-16
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2010-01-18
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  19. 2010-01-12
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  20. 2010-01-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  21. 2009-02-04
    📄
    legacy
    annual-return · 363a
  22. 2008-09-01
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  23. 2008-04-14
    📄
    legacy
    officers · 288b
  24. 2008-04-11
    ➖
    RENNIE, Lorraine resigned
    director
  25. 2008-02-19
    📄
    legacy
    annual-return · 363a
  26. 2007-11-12
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  27. 2007-03-12
    📄
    legacy
    officers · 288a
  28. 2007-03-05
    📄
    legacy
    annual-return · 363a
  29. 2007-03-02
    ➕
    RENNIE, Lorraine appointed
    director
  30. 2006-05-25
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  31. 2005-11-16
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  32. 2002-12-01
    ➕
    EVANS, Keith Michael appointed
    secretary
  33. 2002-10-21
    ➖
    MCCORMICK, Graeme Stuart resigned
    secretary
  34. 2001-01-03
    🏢
    Company incorporated
    As INDEPENDENT FINANCIAL ADVICE CENTRE (SCOTLAND) LIMITED
  35. 2001-01-03
    ➕
    EVANS, Brian Leslie appointed
    director
  36. 2001-01-03
    ➕
    MCCORMICK, Graeme Stuart appointed
    secretary
  37. 2001-01-03
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  38. 2001-01-03
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary

Owner dependency

100/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

100/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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 high ·
Company dissolved
high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2015-07-03

🔒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

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

Statusdissolved
Typeltd
Incorporated2001-01-03
Jurisdictionscotland
Primary SIC65110 — Life insurance

Registered office

111a Neilston Road
Paisley
Renfrewshire
PA2 6ER

Filing status

Accounts
Next due: —
Last made up to: 2013-07-31
Confirmation statement
Next due: —
Last: —

Officers (0 active · 4 resigned)

EVANS, Brian Leslie→
director · ~71y · appointed 2001-01-03
View their other companies + combined net worth →
Active
EVANS, Keith Michael→
secretary · appointed 2002-12-01 · resigned 2012-07-01
Resigned
MCCORMICK, Graeme Stuart→
secretary · appointed 2001-01-03 · resigned 2002-10-21
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2001-01-03 · resigned 2001-01-03
Resigned
RENNIE, Lorraine→
director · ~45y · appointed 2007-03-02 · resigned 2008-04-11
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property25/05/2006—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property16/11/2005—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (45 total)

gazette-dissolved-voluntary
gazette · GAZ2(A)
2015-07-03
gazette-notice-voluntary
gazette · GAZ1(A)
2015-03-13
dissolution-application-strike-off-company
dissolution · DS01
2015-02-24
gazette-filings-brought-up-to-date
gazette · DISS40
2014-10-29
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-10-28
gazette-notice-compulsary
gazette · GAZ1
2014-08-01
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-01-09
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2013-03-19
accounts-with-accounts-type-total-exemption-small
accounts · AA
2012-11-28
change-registered-office-address-company-with-date-old-address
address · AD01
2012-09-11
termination-secretary-company-with-name
officers · TM02
2012-08-08
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2012-01-17
accounts-with-accounts-type-total-exemption-small
accounts · AA
2011-09-22
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2011-01-24
accounts-with-accounts-type-total-exemption-small
accounts · AA
2010-11-16