SCOIN INVESTMENT PARTNERS LIMITED
Opportunity 48/100 (watch), bankability 32/100. Strong seller-intent signal (65/100, director aged 58). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: asset disposal / carve-out (55/100). Current lenders should be on monthly review.
Refinance opportunity
8 live charges · 3 lenders · oldest 18.6y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 18.6 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 55/100 (high).
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2021-05-31 | 2020-05-31 |
|---|---|---|
| Total assets | £194.1k | £202.3k |
| Current assets | £465.1k | £465.1k |
| Debtors | £17.1k | £17.1k |
| Net assets | £194.1k | £202.3k |
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
Corporate timeline (39 events)Click to expand
- 2024-06-12⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2024-06-12🏁Company dissolved
- 2024-03-12⚠️liquidation-compulsory-return-final-meeting-court-scotlandinsolvency · WU15(Scot)
- 2023-07-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-24🔓Charge satisfied #5
- 2023-07-24🔓Charge satisfied #1
- 2022-01-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-01-12⚠️liquidation-compulsory-notice-winding-up-order-court-scotlandinsolvency · WU01(Scot)
- 2021-08-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-16📄gazette-filings-brought-up-to-dategazette · DISS40
- 2021-04-06📄gazette-notice-compulsorygazette · GAZ1
- 2019-04-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-04-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-15📄gazette-filings-brought-up-to-dategazette · DISS40
- 2019-01-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-08📄gazette-notice-compulsorygazette · GAZ1
- 2018-02-28📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2018-02-28📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2015-04-17🔒Charge registered #8Lender: The Royal Bank of Scotland PLC
- 2013-01-16➕PINSENT MASONS SECRETARIAL LIMITED appointedcorporate-secretary
- 2013-01-16➖MD SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2011-08-17🔒Charge registered #7Lender: The Royal Bank of Scotland PLC
- 2011-07-29🔒Charge registered #6Lender: The Royal Bank of Scotland PLC
- 2010-06-22🔒Charge registered #5Lender: Muirden Energy LLP
- 2009-03-11🔒Charge registered #4Lender: Royal Bank of Scotland PLC
- 2008-04-25🔒Charge registered #3Lender: Royal Bank of Scotland PLC
- 2008-03-06🔒Charge registered #2Lender: Royal Bank of Scotland PLC
- 2007-10-05🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2007-06-07➕MURRAY, John Scott appointeddirector
- 2007-06-01➕FARQUHAR, Gavin appointeddirector
- 2007-06-01➖MD DIRECTORS LIMITED resignedcorporate-nominee-director
- 2007-05-17🏢Company incorporatedAs SCOIN INVESTMENT PARTNERS LIMITED
- 2007-05-17➕MD SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2007-05-17➕MD DIRECTORS LIMITED appointedcorporate-nominee-director
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 19 years.
- secondaryStable-but-static management: Company is 19 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 · 1 lowCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2024-06-12
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2024-06-12: gazette-dissolved-liquidation; 2024-03-12: liquidation-compulsory-return-final-meeting-court-scotland
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Gavin Forbes Farquhar Individual · British · DOB 02/1970 · age 56 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
John Scott Murray Individual · British · DOB 09/1968 · age 58 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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10 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 (0 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 17/04/2015 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 17/08/2011 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Floating charge | 1 property | 29/07/2011 | — | |
| satisfied | Muirden Energy Muirden Energy LLP | Standard security | 1 property | 22/06/2010 | 24/07/2023 | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 11/03/2009 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 25/04/2008 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 06/03/2008 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 05/10/2007 | 24/07/2023 |