TOWER GROUP HOLDINGS LIMITED

🌳Matureactive

SC521291 · ltd · incorporated 2015-11-27

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 10.0y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Activities of head offices

Sector: Professional, scientific & technical

Investor take

Pursue

Active trading company with a 69-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 69). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 10.0y

85/100

ready

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

· Oldest live charge is 10.0 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

4 officers (3 active, 4 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

2 connected companies via shared directors

Filing history

28 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

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

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31
Average employees	200	200

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

filings

Last 90 days

filings

Last 180 days

filings

• 2 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (23 events)Click to expand

2025-12-03
📄
change-person-director-company-with-change-date
officers · CH01
2025-12-03
📄
change-person-director-company-with-change-date
officers · CH01
2025-07-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-08-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-05-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-07-05
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-12-14
📄
legacy
miscellaneous · RPCH01
2017-05-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-02-07
📄
change-account-reference-date-company-current-extended
accounts · AA01
2016-08-29
➕
FISHER, David John appointed
secretary
2016-08-29
➖
CRAWFORD, Kirsteen Janette resigned
secretary
2016-08-29
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2016-08-29
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2016-07-05
🔒
Charge registered #2
Lender: The Royal Bank of Scotland PLC
2016-05-19
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
2015-11-27
🏢
Company incorporated
As TOWER GROUP HOLDINGS LIMITED
2015-11-27
➕
FISHER, David John appointed
director
2015-11-27
➕
FISHER, Susan Margaret appointed
director
2015-11-27
➕
CRAWFORD, Kirsteen Janette appointed
secretary

Owner dependency

81/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Founder age: Director aged approximately 69 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

61/100

Strong succession signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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

Name	Shares	Voting rights	Nature of control	Notified
Mr David John Fisher Individual · British · DOB 06/1957 · age 69	50–75%	50–75%	50-75% shares · 50-75% voting	06/04/2016
Mrs Susan Margaret Fisher Individual · British · DOB 07/1957 · age 69	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016

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 →

Similar companies

Active · Professional services · KA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AYRSHIRE ALUMINIUM CO. LIMITED→ SC075647 · est 1981	£2.38M £1.75M–£3.00M	—	—	0	44y	82	61y
ARPL ARCHITECTS LTD.→ SC116832 · est 1989	—	—	—	700	37y	83	67y
AUSTIN LAFFERTY LIMITED→ SC277684 · est 2004	—	—	£745.0k	—	21y	83	62y
CYCLERATE LIMITED→ SC334375 · est 2007	—	—	—	—	18y	83	58y
WASTEWATER MANAGEMENT HOLDINGS LIMITED→ SC201429 · est 1999 · no financials extracted	—	—	—	—	26y	83	59y
WEST COAST CAPITAL (RETAIL PARKS) LIMITED→ SC219194 · est 2001	—	—	—	0	24y	83	77y
WEST COAST CAPITAL HOLDINGS LIMITED→ SC190805 · est 1998	—	—	—	2	27y	83	77y
WEST COAST CAPITAL PRESTVEN INVESTMENTS LIMITED→ SC298919 · est 2006	—	—	£2	—	20y	83	77y
ADAM WILSON & SONS (HOLDINGS) LIMITED→ SC230058 · est 2002 · no financials extracted	—	—	—	—	24y	82	86y
ADELPHI PLANT HIRE (SCOTLAND) LTD→ SC239828 · est 2002	—	—	—	2	23y	82	65y
ALBA PLANNING CONSULTANTS LIMITED→ SC157540 · est 1995	—	—	£230.3k	—	31y	82	66y
ATB ACCOUNTANCY SERVICES LIMITED→ SC237020 · est 2002	—	—	£29.7k	—	23y	82	64y

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

Incorporated2015-11-27

Jurisdictionscotland

Primary SIC70100 — Activities of head offices

Registered office

Monsanto House Drybridge Road

Dundonald

Kilmarnock

KA2 9AF

United Kingdom

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-12-10

Last: 2025-11-26

Officers (3 active · 1 resigned)

FISHER, David John→

secretary · appointed 2016-08-29

View their other companies + combined net worth →

Active

FISHER, David John→

director · ~69y · appointed 2015-11-27

View their other companies + combined net worth →

Active

FISHER, Susan Margaret→

director · ~69y · appointed 2015-11-27

View their other companies + combined net worth →

Active

CRAWFORD, Kirsteen Janette→

secretary · appointed 2015-11-27 · resigned 2016-08-29

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:2 of 2 shown

			Type	Properties
	outstanding	Lloyds Banking Group The Royal Bank of Scotland PLC	A registered charge	1 property	05/07/2016	—
	outstanding	Lloyds Banking Group The Royal Bank of Scotland PLC	A registered charge	—	19/05/2016	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (28 total)

change-person-director-company-with-change-date

officers · CH01

2025-12-03

change-person-director-company-with-change-date

officers · CH01

2025-12-03

confirmation-statement-with-updates

confirmation-statement · CS01

2025-12-02