F.A.M. TRADING (SCOTLAND) LTD

🏛️Establishedactive
SC546721 · ltd · incorporated 2016-10-03
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 9.7y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£37.0k
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Other retail sale not in stores, stalls or markets
Sector: Wholesale & retail
ALSO REGISTERED FOR
  • 56102Unlicenced restaurants and cafes
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

2 live charges · oldest 9.7y

85/100
ready

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

  • · Oldest live charge is 9.7 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (81/100)

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

Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
27 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
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £36,997

Key financials

2 years extracted from filed iXBRL accounts
Cash
£8k
Net Worth
£37k
Current Assets
£33k
Current Liabilities
—
£0£7k£15k£22k£30k£37kNov 2023Nov 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-11-302023-11-30
Total assets£114.4k—
Current assets£33.0k—
Cash£8.0k—
Debtors£25.0k—
Net assets£37.0k—
Average employees—-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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2025-05-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-08-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-07-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-09-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-08-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2020-08-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2020-01-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-06-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-03-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2017-05-09
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  11. 2017-04-10
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  12. 2017-02-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2017-02-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2017-02-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2017-02-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2016-12-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2016-12-14
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  18. 2016-10-18
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  19. 2016-10-03
    🏢
    Company incorporated
    As F.A.M. TRADING (SCOTLAND) LTD
  20. 2016-10-03
    ➕
    AGUS, Francesco appointed
    director
  21. 2016-10-03
    ➕
    MASTIO, Franca appointed
    director

Owner dependency

63/100
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.
  • +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

36/100
Weak signal

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

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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 Francesco Agus
Individual · Italian · DOB 11/1976 · age 50
25–50%
25–50%sig. influence25-50% shares · 25-50% voting · significant influence03/10/2016
Ms Franca Mastio
Individual · Italian · DOB 06/1972 · age 54
25–50%
25–50%sig. influence25-50% shares · 25-50% voting · significant influence03/10/2016

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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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
Incorporated2016-10-03
Jurisdictionscotland
Primary SIC47990 — Other retail sale not in stores, stalls or markets

Registered office

8 Douglas Park
Dunfermline
KY12 9YE
Scotland

Filing status

Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-10-16
Last: 2025-10-02

Officers (2 active · 0 resigned)

AGUS, Francesco→
director · ~50y · appointed 2016-10-03
View their other companies + combined net worth →
Active
MASTIO, Franca→
director · ~54y · appointed 2016-10-03
View their other companies + combined net worth →
Active

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property14/12/2016—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—18/10/2016—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (27 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-08
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-25
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-12
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-08-04
accounts-with-accounts-type-micro-entity
accounts · AA
2020-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-06-18