ST. VINCENT SECURITIES LIMITED
⚰️Wound downdissolved
SC235374 · ltd · incorporated 2002-08-14
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
50/100
Worth a look
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 50/100 (worth a look), bankability 42/100. Strong seller-intent signal (78/100, director aged 74). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: asset disposal / carve-out (45/100). Current lenders should be on monthly review.
🏦
Refinance opportunity
6 live charges · 5 lenders · oldest 23.8y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 23.8 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 55/100 (high).
Data confidence
Overall: low (51/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
12 officers (2 active, 12 linked, 9 with DOB)
85
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
10 connected companies via shared directors
75
Filing history
76 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
50/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
10
Concerning — overdue filings or status flags present.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
41
Multiple red flags — proceed with caution.
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 (59 events)Click to expand
- 2015-03-30⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2015-03-30🏁Company dissolved
- 2014-12-30⚠️liquidation-court-order-early-dissolutioninsolvency · O/C EARLY DISS
- 2013-10-14📍change-registered-office-address-company-with-date-old-addressaddress · AD01
- 2013-10-11📄resolutionresolution · RESOLUTIONS
- 2013-08-13📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-06-20➖RIDING, Clive Andrew resigneddirector
- 2013-06-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2013-03-01📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2013-02-21📄legacymortgage · MG02s
- 2013-02-21📄legacymortgage · MG02s
- 2013-02-21📄legacymortgage · MG02s
- 2013-02-21🔓Charge satisfied #6
- 2013-02-21🔓Charge satisfied #5
- 2013-02-21🔓Charge satisfied #3
- 2012-10-17📄legacymortgage · MG03s
- 2012-10-17🔓Charge satisfied #2
- 2012-10-15📄legacymortgage · MG01s
- 2012-10-15📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2012-10-13📄legacymortgage · MG01s
- 2012-10-11📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2012-10-09📄legacymortgage · MG01s
- 2012-10-09🔒Charge registered #6Lender: Bank of Scotland PLC
- 2012-10-09🔒Charge registered #5Lender: Paradigm Real Estate Managers Limited
- 2012-10-05📄accounts-with-accounts-type-fullaccounts · AA
- 2012-10-01🔒Charge registered #4Lender: Paradigm Real Estate Managers Limited
- 2012-08-16📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2011-08-15📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2011-04-01📄accounts-with-accounts-type-fullaccounts · AA
- 2010-11-10📄auditors-resignation-companyauditors · AUD
- 2010-10-05📄accounts-with-accounts-type-fullaccounts · AA
- 2010-08-13📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2009-11-06📄accounts-with-accounts-type-fullaccounts · AA
- 2009-08-14📄legacyannual-return · 363a
- 2007-05-02➖DICKSON, Pamela Simone resigneddirector
- 2007-04-27➖BARCLAY, Suzanne Victoria resigneddirector
- 2006-07-04➕BARCLAY, Suzanne Victoria appointeddirector
- 2005-05-19➕DICKSON, Pamela Simone appointeddirector
- 2005-05-19➖HEWITT, Alistair James Neil resigneddirector
- 2005-02-24➕RIDING, Clive Andrew appointeddirector
- 2005-02-24➖THOMAS, Richard Graham resigneddirector
- 2004-10-08➖DICKSON, Pamela Simone resigneddirector
- 2004-10-08➕HEWITT, Alistair James Neil appointeddirector
- 2003-05-07➖MCDONALD, Derek resigneddirector
- 2003-01-21➕DICKSON, Pamela Simone appointeddirector
- 2003-01-21➖HUTCHISON, Graeme resigneddirector
- 2002-10-03🔒Charge registered #3Lender: The Governor and Company of the Bank of Scotland
- 2002-09-27➕HUTCHISON, Graeme appointeddirector
- 2002-09-27➕MCDONALD, Derek appointeddirector
- 2002-09-27➕THOMAS, Richard Graham appointeddirector
Showing most recent 50 of 59 events
Owner dependency
100/100
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 24 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 74 — succession pressure is live.
Succession & seller-readiness
100/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 74 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 24 years. Very long tenure is a classic succession signal.
- 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
2 high · 1 med ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2015-03-30
2 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2015-03-30: gazette-dissolved-liquidation; 2014-12-30: liquidation-court-order-early-dissolution
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
🔒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 · Property · PA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AKZ PROPERTIES LIMITED→ SC198072 · est 1999 | £2.10M £1.78M–£2.41M | — | £2.10M | — | 27y | 82 | 83y |
| KENTALLEN ADVENTURE LTD.→ SC290827 · est 2005 | £630.6k £536.0k–£725.1k | — | £630.6k | — | 20y | 82 | 68y |
| CITY LETS (GLASGOW) LIMITED→ SC160734 · est 1995 | £622.8k £529.4k–£716.2k | — | £622.8k | — | 30y | 82 | 87y |
| FERNOCH LIMITED→ SC301506 · est 2006 | £593.0k £504.0k–£681.9k | — | £593.0k | — | 20y | 82 | 73y |
| D M & S PROPERTIES LTD.→ SC295500 · est 2006 | £570.4k £484.8k–£655.9k | — | £570.4k | — | 20y | 82 | 78y |
| GREENPORT LIMITED→ SC300747 · est 2006 | £532.4k £452.6k–£612.3k | — | £532.4k | — | 20y | 82 | 72y |
| D.N. MUNRO LIMITED→ SC273184 · est 2004 | £420.7k £357.6k–£483.9k | — | £420.7k | — | 21y | 82 | 58y |
| CORBEN LTD→ SC174048 · est 1997 | £218.8k £186.0k–£251.6k | — | £218.8k | — | 29y | 82 | 68y |
| RED25 PROPERTIES LTD→ SC236046 · est 2002 | £196.5k £167.0k–£226.0k | — | £196.5k | — | 23y | 82 | 65y |
| CK HAIR LTD.→ SC194511 · est 1999 | £153.0k £130.0k–£175.9k | — | £153.0k | — | 27y | 82 | 60y |
| MILLTROUT LIMITED→ SC203257 · est 2000 | £143.4k £121.9k–£164.9k | — | £143.4k | — | 26y | 82 | 69y |
| QUINTUN LIMITED→ SC139990 · est 1992 | £108.5k £92.2k–£124.8k | — | £108.5k | — | 33y | 82 | 88y |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
11 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
Incorporated2002-08-14
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Titanium 1 King'S Inch Place
Renfrew
PA4 8WF
Filing status
Accounts
Next due: —
Last made up to: 2011-12-31
Confirmation statement
Next due: —
Last: —
Officers (0 active · 10 resigned)
O'HARA, William Clive→
Activesecretary · appointed 2002-09-18
View their other companies + combined net worth →
O'HARA, William Clive→
Activedirector · ~74y · appointed 2002-09-18
View their other companies + combined net worth →
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-08-14 · resigned 2002-09-18
BARCLAY, Suzanne Victoria→
Resigneddirector · ~59y · appointed 2006-07-04 · resigned 2007-04-27
DICKSON, Pamela Simone→
Resigneddirector · ~59y · appointed 2005-05-19 · resigned 2007-05-02
DICKSON, Pamela Simone→
Resigneddirector · ~59y · appointed 2003-01-21 · resigned 2004-10-08
HEWITT, Alistair James Neil→
Resigneddirector · ~54y · appointed 2004-10-08 · resigned 2005-05-19
HUTCHISON, Graeme→
Resigneddirector · ~66y · appointed 2002-09-27 · resigned 2003-01-21
MCDONALD, Derek→
Resigneddirector · ~59y · appointed 2002-09-27 · resigned 2003-05-07
RIDING, Clive Andrew→
Resigneddirector · ~73y · appointed 2005-02-24 · resigned 2013-06-20
THOMAS, Richard Graham→
Resigneddirector · ~72y · appointed 2002-09-27 · resigned 2005-02-24
JORDANS (SCOTLAND) LIMITED→
Resignedcorporate-nominee-director · appointed 2002-08-14 · resigned 2002-09-18
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
2
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Assignation of rents | 1 property | 09/10/2012 | 21/02/2013 | |
| satisfied | Paradigm Real Estate Managers Paradigm Real Estate Managers Limited | Standard security | 1 property | 09/10/2012 | 21/02/2013 | |
| outstanding | Paradigm Real Estate Managers Paradigm Real Estate Managers Limited | Floating charge | 1 property | 01/10/2012 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 03/10/2002 | 21/02/2013 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland as Trustee for the Noteholders | Floating charge | 1 property | 27/09/2002 | 17/10/2012 | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland as Security Trustee for the Lenders | Floating charge | 1 property | 27/09/2002 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (76 total)
gazette-dissolved-liquidation
gazette · GAZ2
2015-03-30
liquidation-court-order-early-dissolution
insolvency · O/C EARLY DISS
2014-12-30
change-registered-office-address-company-with-date-old-address
address · AD01
2013-10-14
resolution
resolution · RESOLUTIONS
2013-10-11
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2013-08-13
termination-director-company-with-name-termination-date
officers · TM01
2013-06-20
change-account-reference-date-company-current-extended
accounts · AA01
2013-03-01
legacy
mortgage · MG02s
2013-02-21
legacy
mortgage · MG02s
2013-02-21
legacy
mortgage · MG02s
2013-02-21
legacy
mortgage · MG03s
2012-10-17
legacy
mortgage · MG01s
2012-10-15
mortgage-alter-floating-charge-with-number
mortgage · 466(Scot)
2012-10-15
legacy
mortgage · MG01s
2012-10-13
mortgage-alter-floating-charge-with-number
mortgage · 466(Scot)
2012-10-11