COILA CONSULTING LIMITED
- · Oldest live charge 17.8y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (73/100, director aged 69). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
2 live charges · oldest 17.8y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 17.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | — | £16.6k |
| Current assets | — | £32.5k |
| Cash | — | £2.2k |
| Debtors | — | £30.3k |
| Net assets | — | £3.0k |
| Average employees | 2 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (33 events)Click to expand
- 2025-10-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-08-13🔓Charge satisfied #2
- 2021-07-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-07-03🔓Charge satisfied #1
- 2020-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-02📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2020-11-02📄second-filing-capital-allotment-sharescapital · RP04SH01
- 2020-01-26📄capital-allotment-sharescapital · SH01
- 2020-01-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2019-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-15📄change-person-secretary-company-with-change-dateofficers · CH03
- 2019-05-15📄change-person-director-company-with-change-dateofficers · CH01
- 2019-05-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-05-15📄change-person-director-company-with-change-dateofficers · CH01
- 2019-05-15📄change-person-director-company-with-change-dateofficers · CH01
- 2018-02-22➕MCGILLIVRAY, Ian Andrew appointeddirector
- 2016-07-01➖MCGILLIVRAY, Ian Andrew resigneddirector
- 2016-01-10➕MCGILLIVRAY, Anne Isabel, Professor appointeddirector
- 2009-10-10➖MCGILLIVRAY, Anne Isabel, Professor resigneddirector
- 2009-10-10➕MCGILLIVRAY, Ian Andrew appointeddirector
- 2008-08-06🔒Charge registered #2Lender: Royal Bank of Scotland PLC
- 2008-07-21🔒Charge registered #1Lender: Royal Bank of Scotland PLC
- 2003-02-19🏢Company incorporatedAs COILA CONSULTING LIMITED
- 2003-02-19➕MCGILLIVRAY, James appointedsecretary
- 2003-02-19➕MCGILLIVRAY, James appointeddirector
- 2003-02-19➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2003-02-19➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 2003-02-19➕MCGILLIVRAY, Anne Isabel, Professor appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 69 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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
cleanShareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr James Mcgillivray Individual · British · DOB 06/1957 · age 69 | 75–100% | — | 75-100% shares | 25/01/2020 |
Professor Anne Isabel Mcgillivray Individual · United Kingdom · DOB 03/1959 · age 67 | — | — | sig. influencesignificant influence | 30/10/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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
Registered office
Filing status
Officers (4 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 06/08/2008 | 13/08/2021 | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 21/07/2008 | 03/07/2021 |