ADVANCED (SCOTLAND) LIMITED

🌳Matureactive
SC280438 · ltd · incorporated 2005-02-23
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£106.0k
book net assets
Opportunity
81/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 64-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (79/100)

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
Confirmed no charges registered
85
Directors & officers
7 officers (3 active, 7 linked, 4 with DOB)
81
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
64 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £105,970
Net assets shrinking
Down £9,250 YoY
Cash YoY
-13%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£77k
↓ 13% YoY
Net Worth
£106k
↓ 8.0% YoY
Current Assets
£118k
↓ 13% YoY
Current Liabilities
—
£0£27k£54k£81k£108k£135kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£106.3k£115.3k
Current assets£118.0k£135.3k
Cash£77.4k£89.3k
Debtors£40.7k£46.0k
Net assets£106.0k£115.2k

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-11-10
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-08-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-08-06
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-08-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  5. 2025-08-06
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  6. 2025-03-03
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  7. 2024-12-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2023-12-24
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2022-12-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2022-03-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2022-02-28
    ➖
    BALDI, Andrine resigned
    director
  12. 2021-12-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2021-03-11
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2019-12-28
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  15. 2018-12-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  16. 2017-12-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  17. 2008-07-11
    ➖
    CUNNINGHAM, Barry resigned
    director
  18. 2005-11-02
    ➕
    RENTON, Stewart George appointed
    director
  19. 2005-11-02
    ➕
    CUNNINGHAM, Barry appointed
    director
  20. 2005-03-29
    ➖
    @UKPLC CLIENT SECRETARY LTD resigned
    corporate-nominee-secretary
  21. 2005-03-29
    ➖
    @UKPLC CLIENT DIRECTOR LTD resigned
    corporate-nominee-director
  22. 2005-02-23
    🏢
    Company incorporated
    As ADVANCED (SCOTLAND) LIMITED
  23. 2005-02-23
    ➕
    GIBSON, Craig Kerr appointed
    secretary
  24. 2005-02-23
    ➕
    GIBSON, Craig Kerr appointed
    director
  25. 2005-02-23
    ➕
    @UKPLC CLIENT SECRETARY LTD appointed
    corporate-nominee-secretary
  26. 2005-02-23
    ➕
    BALDI, Andrine appointed
    director
  27. 2005-02-23
    ➕
    @UKPLC CLIENT DIRECTOR LTD appointed
    corporate-nominee-director

Owner dependency

76/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

86/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 21 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 Stewart George Renton
Individual · British · DOB 10/1973 · age 53
25–50%
25–50%25-50% shares · 25-50% voting03/03/2025
Mr Craig Gibson
Individual · British · DOB 10/1962 · age 64
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
1 historic (ceased) PSC
  • Mr Craig Kerr Gibsonceased 15/06/2016· significant influence

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 →

Similar companies

Active · Financial services · PA postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
AFFLUENT FINANCIAL PLANNING LTD.→
SC161571 · est 1995
———70030y8262y
FIREBIRD CAPITAL LTD→
SC244105 · est 2003
————23y8273y
MANOR PARK FINANCIAL SERVICES LIMITED→
SC133100 · est 1991 · no financials extracted
————34y8269y
FINANCIAL PLANNING OPTIONS LTD→
SC319521 · est 2007
——£278.2k—19y8159y
LOMOND HOUSING LTD→
SC756967 · est 2023 · no financials extracted
————3y——
MACDONALDS INDEPENDENT FINANCIAL ADVISERS LIMITED→
SC461877 · est 2013 · no financials extracted
————12y——
MAIR FINANCE LIMITED→
SC585979 · est 2018 · no financials extracted
————8y——
MORANSH FINANCIAL SERVICES LIMITED→
SC772473 · est 2023 · no financials extracted
————2y——
MORTGAGE SOURCING LIMITED→
SC646474 · est 2019 · no financials extracted
————6y——
NJK LOSS ADJUSTERS LTD→
SC754124 · est 2023 · no financials extracted
————3y——
PHOENIX WEALTH SOLUTIONS LIMITED→
SC222334 · est 2001 · no financials extracted
————24y——
ROBB & ASSOCIATES LTD→
SC484800 · est 2014 · no financials extracted
————11y——
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2005-02-23
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

6a Mains Drive
Erskine
Renfrewshire
PA8 7JQ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-16
Last: 2025-07-02

Officers (3 active · 4 resigned)

GIBSON, Craig Kerr→
secretary · appointed 2005-02-23
View their other companies + combined net worth →
Active
GIBSON, Craig Kerr→
director · ~64y · appointed 2005-02-23
View their other companies + combined net worth →
Active
RENTON, Stewart George→
director · ~53y · appointed 2005-11-02
View their other companies + combined net worth →
Active
@UKPLC CLIENT SECRETARY LTD→
corporate-nominee-secretary · appointed 2005-02-23 · resigned 2005-03-29
Resigned
BALDI, Andrine→
director · ~67y · appointed 2005-02-23 · resigned 2022-02-28
Resigned
CUNNINGHAM, Barry→
director · ~62y · appointed 2005-11-02 · resigned 2008-07-11
Resigned
@UKPLC CLIENT DIRECTOR LTD→
corporate-nominee-director · appointed 2005-02-23 · resigned 2005-03-29
Resigned

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

Recent filings (64 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-11-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-06
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-08-06
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-08-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-03-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-04
termination-director-company-with-name-termination-date
officers · TM01
2022-03-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-12-30