YOUR LOCAL FACTOR LTD

🌳Matureactive
SC500054 · ltd · incorporated 2015-03-10
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 6.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
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What this business does
Primary activity: Residents property management
Sector: Activities of households
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

1 live charge · oldest 6.1y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 6.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (73/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 6 with DOB)
90
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
44 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-31
Average employees0

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

🔒Filing-note intelligence

2 signals 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
1
filing
  • • 1 officers
Last 90 days
3
filings
  • • 2 officers
  • • 1 confirmation-statement
Last 180 days
5
filings
  • • 3 officers
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2026-05-07
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  2. 2026-04-27
    ➕
    COSGROVE, Craig John appointed
    director
  3. 2026-03-19
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2026-02-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2026-01-31
    ➖
    WATT, Neil James resigned
    director
  6. 2025-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2025-08-01
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  8. 2025-06-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2025-06-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2025-06-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2025-06-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2025-06-02
    ➕
    HUNTER, Gemma appointed
    director
  13. 2024-05-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2023-09-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2023-03-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  16. 2023-03-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  17. 2023-03-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  18. 2022-11-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2022-07-12
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  20. 2022-01-14
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  21. 2021-12-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2021-12-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  23. 2021-10-05
    ➕
    DOUGLAS, Gordon Wilson appointed
    director
  24. 2021-07-22
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  25. 2021-06-01
    ➕
    DORAN, David Angus Coll appointed
    director
  26. 2021-06-01
    ➖
    MOODIE, Douglas John resigned
    director
  27. 2021-06-01
    ➕
    WATT, Neil James appointed
    director
  28. 2020-04-15
    🔒
    Charge registered #1
    Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
  29. 2015-03-10
    🏢
    Company incorporated
    As YOUR LOCAL FACTOR LTD
  30. 2015-03-10
    ➕
    MOODIE, Douglas John appointed
    director

Owner dependency

40/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.

Succession & seller-readiness

30/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

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 Neil James Watt
Individual · Scottish · DOB 09/1962 · age 64
——sig. influencesignificant influence08/03/2023
Mr David Angus Coll Doran
Individual · Scottish · DOB 02/1978 · age 48
——sig. influencesignificant influence08/03/2023
2 historic (ceased) PSCs
  • The Firm Of Hacking & Patersonceased 08/03/2023· 75-100% shares · firm interest
  • Mr Douglas John Moodieceased 01/06/2021· 75-100% shares · 75-100% voting

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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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
Incorporated2015-03-10
Jurisdictionscotland
Primary SIC98000 — Residents property management

Registered office

1 Newton Terrace
Glasgow
G3 7PL
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-24
Last: 2026-03-10

Officers (4 active · 2 resigned)

COSGROVE, Craig John→
director · ~40y · appointed 2026-04-27
View their other companies + combined net worth →
Active
DORAN, David Angus Coll→
director · ~48y · appointed 2021-06-01
View their other companies + combined net worth →
Active
DOUGLAS, Gordon Wilson→
director · ~51y · appointed 2021-10-05
View their other companies + combined net worth →
Active
HUNTER, Gemma→
director · ~42y · appointed 2025-06-02
View their other companies + combined net worth →
Active
MOODIE, Douglas John→
director · ~58y · appointed 2015-03-10 · resigned 2021-06-01
Resigned
WATT, Neil James→
director · ~64y · appointed 2021-06-01 · resigned 2026-01-31
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
Virgin Money
Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
A registered charge—15/04/2020—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (44 total)

appoint-person-director-company-with-name-date
officers · AP01
2026-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-23
change-person-director-company-with-change-date
officers · CH01
2026-03-19
termination-director-company-with-name-termination-date
officers · TM01
2026-02-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-18
change-account-reference-date-company-previous-extended
accounts · AA01
2025-08-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-06-16
change-person-director-company-with-change-date
officers · CH01
2025-06-16
appoint-person-director-company-with-name-date
officers · AP01
2025-06-16
change-person-director-company-with-change-date
officers · CH01
2025-06-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-21