ROSEBANK GARDEN CENTRE LTD.

🌳Matureactive
SC255996 · ltd · incorporated 2003-09-16
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 15.3y old — refinance window within 12 months
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
—
year to Jan 2025
Net worth
£966.8k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 83/100 (exceptional), bankability 80/100. Same-surname younger director in place — likely family handover, not open to sale. 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 15.3y

65/100
clean up first

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

  • · Oldest live charge is 15.3 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: medium (77/100)

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
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
7 officers (5 active, 7 linked, 4 with DOB)
81
Ownership & PSC
4 active PSC(s) of 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
64 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 £966,805
Cash YoY
-12%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£808k
↓ 12% YoY
Net Worth
£967k
↑ 28% YoY
Current Assets
£1.7m
↑ 33% YoY
Current Liabilities
—
£0£343k£686k£1.0m£1.4m£1.7mJan 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£1.88M£1.69M
Current assets£1.72M£1.29M
Cash£808.5k£917.1k
Debtors£557.1k£19.5k
Net assets£966.8k£754.8k

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

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-09-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-09-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  3. 2025-09-02
    ➕
    FORREST, Susan Stewart appointed
    director
  4. 2024-10-02
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  5. 2024-08-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-09-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-04-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-09-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-12-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-08-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-10-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2017-07-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2016-09-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-09-19
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-05-05
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2014-10-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2011-03-28
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  18. 2006-09-01
    ➕
    FORREST, Craig Joseph George appointed
    director
  19. 2003-09-20
    ➕
    FORREST, Helen appointed
    secretary
  20. 2003-09-20
    ➕
    FORREST, Helen appointed
    director
  21. 2003-09-20
    ➕
    FORREST, Joseph Thomson appointed
    director
  22. 2003-09-16
    🏢
    Company incorporated
    As ROSEBANK GARDEN CENTRE LTD.
  23. 2003-09-16
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  24. 2003-09-16
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  25. 2003-09-16
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  26. 2003-09-16
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

73/100
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 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 83 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

40/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — FORREST, Susan Stewart (same surname) appointed 2025-09-02. Pattern consistent with intra-family handover.
  • primaryFounder aged 70+: Senior director is approximately 83 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • 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

4 active beneficial owners · fragmented
NameSharesVoting rightsNature of controlNotified
Mrs Susan Stewart Forrest
Individual · British · DOB 03/1989 · age 37
25–50%
—25-50% shares30/04/2024
Mr Craig Joseph George Forrest
Individual · British · DOB 12/1972 · age 54
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
Mr Joseph Thomson Forrest
Individual · British · DOB 01/1944 · age 82
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
Mrs Helen Forrest
Individual · British · DOB 03/1943 · age 83
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2003-09-16
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

29 Brandon Street
Hamilton
South Lanarkshire
ML3 6DA

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-09-30
Last: 2025-09-16

Officers (5 active · 2 resigned)

FORREST, Helen→
secretary · appointed 2003-09-20
View their other companies + combined net worth →
Active
FORREST, Craig Joseph George→
director · ~54y · appointed 2006-09-01
View their other companies + combined net worth →
Active
FORREST, Helen→
director · ~83y · appointed 2003-09-20
View their other companies + combined net worth →
Active
FORREST, Joseph Thomson→
director · ~82y · appointed 2003-09-20
View their other companies + combined net worth →
Active
FORREST, Susan Stewart→
director · ~37y · appointed 2025-09-02
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2003-09-16 · resigned 2003-09-16
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2003-09-16 · resigned 2003-09-16
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
Floating charge1 property28/03/2011—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (64 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-08
appoint-person-director-company-with-name-date
officers · AP01
2025-09-04
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-07
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-10-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-09-24