RUSSELL & RUSSELL BUSINESS ADVISERS LIMITED

🌳Matureactive
SC226378 · ltd · incorporated 2001-12-17
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 22.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£315.4k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Accounting and auditing activities
Sector: Professional, scientific & technical
ALSO REGISTERED FOR
  • 69203Tax consultancy
  • 70229Management consultancy activities other than financial management
Investor take
Pursue
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 22.5y

65/100
clean up first

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

  • · Oldest live charge is 22.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
15 officers (4 active, 15 linked, 10 with DOB)
83
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
110 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
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 · accounting standard not declared
Positive net assets
Net assets £315,376
Net assets shrinking
Down £2,758 YoY
Cash YoY
+37%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£88k
↑ 37% YoY
Net Worth
£315k
~ YoY
Current Assets
£760k
↓ 6.0% YoY
Current Liabilities
—
£0£162k£323k£485k£647k£809kJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-01-312024-01-31
Total assets£324.6k£339.7k
Current assets£759.8k£808.6k
Cash£87.9k£64.3k
Debtors£671.9k£744.3k
Net assets£315.4k£318.1k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (46 events)Click to expand
  1. 2025-09-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-05-11
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2023-05-01
    ➕
    MCNALLY, Ann Margaret appointed
    director
  6. 2022-12-08
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  7. 2022-12-08
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2022-12-08
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  9. 2022-11-17
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  10. 2022-11-17
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  11. 2022-11-17
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  12. 2022-11-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2022-11-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2022-11-04
    ➖
    RUSSELL, Kenneth Whitaker resigned
    secretary
  15. 2022-11-04
    ➖
    RUSSELL, Alastair Whitaker resigned
    director
  16. 2022-11-04
    ➖
    RUSSELL, Kenneth Whitaker resigned
    director
  17. 2022-10-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2021-10-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2021-03-02
    📄
    memorandum-articles
    incorporation · MA
  20. 2021-03-02
    📄
    resolution
    resolution · RESOLUTIONS
  21. 2021-03-02
    📄
    capital-name-of-class-of-shares
    capital · SH08
  22. 2021-01-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2016-04-06
    ➕
    CLARK, Stuart Michael appointed
    director
  24. 2014-12-03
    ➕
    MCMASTER, Rosslyn appointed
    director
  25. 2009-06-17
    ➖
    CURRIE, Carol Elizabeth resigned
    director
  26. 2008-04-01
    ➕
    MCMONAGLE, Ian appointed
    director
  27. 2008-04-01
    ➕
    CURRIE, Carol Elizabeth appointed
    director
  28. 2004-11-01
    ➖
    CALLANDER, David Robert resigned
    secretary
  29. 2004-11-01
    ➕
    RUSSELL, Kenneth Whitaker appointed
    secretary
  30. 2004-11-01
    ➖
    CALLANDER, David Robert resigned
    director
  31. 2003-11-26
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  32. 2003-11-01
    ➕
    CALLANDER, David Robert appointed
    secretary
  33. 2003-11-01
    ➕
    RUSSELL, Alastair Whitaker appointed
    director
  34. 2003-11-01
    ➕
    RUSSELL, Kenneth Whitaker appointed
    director
  35. 2003-10-31
    ➖
    CALLANDER, Lorraine Marie resigned
    secretary
  36. 2002-11-27
    ➖
    CALLANDER, Lorraine Marie resigned
    director
  37. 2002-11-27
    ➖
    CALLANDER, Robert David resigned
    director
  38. 2001-12-17
    🏢
    Company incorporated
    As RUSSELL & RUSSELL BUSINESS ADVISERS LIMITED
  39. 2001-12-17
    ➕
    CALLANDER, Lorraine Marie appointed
    secretary
  40. 2001-12-17
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-secretary
  41. 2001-12-17
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-secretary
  42. 2001-12-17
    ➕
    CALLANDER, David Robert appointed
    director
  43. 2001-12-17
    ➕
    CALLANDER, Lorraine Marie appointed
    director
  44. 2001-12-17
    ➕
    CALLANDER, Robert David appointed
    director
  45. 2001-12-17
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-director
  46. 2001-12-17
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    corporate-director

Owner dependency

65/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

73/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • secondary12+ year tenure: Director in role 18 years.
  • secondaryStable-but-static management: Company is 24 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Ian Mcmonagle
Individual · British · DOB 09/1959 · age 67
25–50%
25–50%25-50% shares · 25-50% voting04/11/2022
Mr Stuart Michael Clark
Individual · British · DOB 12/1982 · age 44
25–50%
25–50%25-50% shares · 25-50% voting04/11/2022
2 historic (ceased) PSCs
  • Mr Alastair Whitaker Russellceased 04/11/2022· 25-50% shares
  • Mr Kenneth Whitaker Russellceased 04/11/2022· 25-50% 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 →

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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
Incorporated2001-12-17
Jurisdictionscotland
Primary SIC69201 — Accounting and auditing activities

Registered office

4 Royal Crescent
Glasgow
G3 7SL

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-12-26
Last: 2025-12-12

Officers (4 active · 11 resigned)

CLARK, Stuart Michael→
director · ~44y · appointed 2016-04-06
View their other companies + combined net worth →
Active
MCMASTER, Rosslyn→
director · ~44y · appointed 2014-12-03
View their other companies + combined net worth →
Active
MCMONAGLE, Ian→
director · ~67y · appointed 2008-04-01
View their other companies + combined net worth →
Active
MCNALLY, Ann Margaret→
director · ~48y · appointed 2023-05-01
View their other companies + combined net worth →
Active
CALLANDER, David Robert→
secretary · appointed 2003-11-01 · resigned 2004-11-01
Resigned
CALLANDER, Lorraine Marie→
secretary · appointed 2001-12-17 · resigned 2003-10-31
Resigned
RUSSELL, Kenneth Whitaker→
secretary · appointed 2004-11-01 · resigned 2022-11-04
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-secretary · appointed 2001-12-17 · resigned 2001-12-17
Resigned
CALLANDER, David Robert→
director · ~62y · appointed 2001-12-17 · resigned 2004-11-01
Resigned
CALLANDER, Lorraine Marie→
director · ~63y · appointed 2001-12-17 · resigned 2002-11-27
Resigned
CALLANDER, Robert David→
director · ~87y · appointed 2001-12-17 · resigned 2002-11-27
Resigned
CURRIE, Carol Elizabeth→
director · ~66y · appointed 2008-04-01 · resigned 2009-06-17
Resigned
RUSSELL, Alastair Whitaker→
director · ~65y · appointed 2003-11-01 · resigned 2022-11-04
Resigned
RUSSELL, Kenneth Whitaker→
director · ~79y · appointed 2003-11-01 · resigned 2022-11-04
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-director · appointed 2001-12-17 · resigned 2001-12-17
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property26/11/2003—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (110 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-30
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-30
appoint-person-director-company-with-name-date
officers · AP01
2023-05-11
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-12
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-12-08
change-person-director-company-with-change-date
officers · CH01
2022-12-08
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-12-08
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-11-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-11-17
termination-secretary-company-with-name-termination-date
officers · TM02
2022-11-17
termination-director-company-with-name-termination-date
officers · TM01
2022-11-17