INVERCOAST LIMITED

🌳Matureactive
SC273412 · ltd · incorporated 2004-09-15
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 21.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Dispensing chemist in specialised stores
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and acceptable with review structure.

Opportunity 83/100 (exceptional), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 4 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

4 live charges · 2 lenders · oldest 21.1y

50/100
clean up first

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

  • · Oldest live charge is 21.1 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
9 officers (5 active, 9 linked, 5 with DOB)
81
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
65 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-01-312024-01-31
Average employees859000

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
1
filing
  • • 1 address
Last 180 days
1
filing
  • • 1 address
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
  1. 2026-04-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2025-10-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-07-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-10-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-12-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2019-12-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2019-12-05
    ➕
    SEMPLE, Claire Marie appointed
    director
  11. 2019-12-05
    ➕
    SEMPLE, Lisa Helene appointed
    director
  12. 2019-07-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-09-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-09-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2016-08-09
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2015-11-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2015-11-18
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  18. 2010-07-29
    🔒
    Charge registered #4
    Lender: Royal Bank of Scotland PLC
  19. 2009-07-08
    🔒
    Charge registered #3
    Lender: Royal Bank of Scotland PLC
  20. 2007-06-11
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  21. 2006-04-01
    ➕
    SEMPLE, Brendan John appointed
    secretary
  22. 2006-04-01
    ➖
    HOULIHAN, Denis Francis resigned
    secretary
  23. 2006-04-01
    ➖
    HOULIHAN, Denis Francis resigned
    director
  24. 2005-04-29
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  25. 2005-02-16
    ➕
    SEMPLE, Brendan John appointed
    director
  26. 2004-09-21
    ➕
    SEMPLE, James Bernard appointed
    director
  27. 2004-09-21
    ➕
    HOULIHAN, Denis Francis appointed
    secretary
  28. 2004-09-21
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  29. 2004-09-21
    ➕
    HOULIHAN, Denis Francis appointed
    director
  30. 2004-09-21
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director
  31. 2004-09-15
    🏢
    Company incorporated
    As INVERCOAST LIMITED
  32. 2004-09-15
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  33. 2004-09-15
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director

Owner dependency

66/100
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 22 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

70/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 22 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 Brendan John Semple
Individual · Scottish · DOB 08/1973 · age 53
——board controlsig. influenceboard control · significant influence01/06/2016
James Bernard Semple
Individual · British · DOB 04/1967 · age 59
——board controlsig. influenceboard control · significant influence01/06/2016

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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Active · Retail · PA postcode area
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SC630925 · est 2019
£21.5k
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——8006y8837y
GUITAR GUITAR LIMITED→
SC247523 · est 2003 · no financials extracted
————23y8375y
ANGELLINE (SCOTLAND) LTD.→
SC385592 · est 2010
———015y8261y
ARMYCHAP LIMITED→
SC274762 · est 2004
———021y8261y
BLAIRMORE HERITAGE LIMITED→
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——£35.6k—22y8272y
BOWMORE FILLING STATION LIMITED→
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——£208.8k—22y8264y
CLYDE PHARMACY LIMITED→
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———1121y8261y
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————20y8262y
DALLAS CARPETS SCOTLAND LTD.→
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——£467.7k—23y8260y
GRAMPIAN SPORTS LIMITED→
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————63y8264y
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——£11.0k—18y8276y
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
Incorporated2004-09-15
Jurisdictionscotland
Primary SIC47730 — Dispensing chemist in specialised stores

Registered office

6 Kempock Street
Gourock
Inverclyde
PA19 1NA
Scotland

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-09-29
Last: 2025-09-15

Officers (5 active · 4 resigned)

SEMPLE, Brendan John→
secretary · appointed 2006-04-01
View their other companies + combined net worth →
Active
SEMPLE, Brendan John→
director · ~54y · appointed 2005-02-16
View their other companies + combined net worth →
Active
SEMPLE, Claire Marie→
director · ~52y · appointed 2019-12-05
View their other companies + combined net worth →
Active
SEMPLE, James Bernard→
director · ~59y · appointed 2004-09-21
View their other companies + combined net worth →
Active
SEMPLE, Lisa Helene→
director · ~59y · appointed 2019-12-05
View their other companies + combined net worth →
Active
HOULIHAN, Denis Francis→
secretary · appointed 2004-09-21 · resigned 2006-04-01
Resigned
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2004-09-15 · resigned 2004-09-21
Resigned
HOULIHAN, Denis Francis→
director · ~60y · appointed 2004-09-21 · resigned 2006-04-01
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2004-09-15 · resigned 2004-09-21
Resigned

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

Mortgages & charges

4
Total charges
4
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
Standard security1 property29/07/2010—
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
Standard security1 property08/07/2009—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property11/06/2007—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property29/04/2005—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (65 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-04-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-31
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-23
confirmation-statement-with-updates
confirmation-statement · CS01
2020-10-21
appoint-person-director-company-with-name-date
officers · AP01
2019-12-10
appoint-person-director-company-with-name-date
officers · AP01
2019-12-10