KILGOUR INVESTMENTS LIMITED

💤Zombieactive

SC555112 · ltd · incorporated 2017-01-19

Investment thesis

Zombie company — trading but stalled; unlikely mover.

Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.

Why risky: No growth signal; thin margin for error on price.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jun 2024

Net worth

£102.0k

book net assets

Opportunity

69/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Activities of open-ended investment companies

Sector: Financial & insurance

Investor take

Pursue

Active trading company. Reasonable fundamentals — worth a memo before deciding.

Opportunity 69/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -62% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

11 live charges · 2 lenders · oldest 8.8y

30/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 8.8 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Distress signals active — lender appetite narrows.

Data confidence

Overall: high (81/100)

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

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

11 charges (11/11 with lender, 11/11 with type)

Directors & officers

1 officers (1 active, 1 linked, 1 with DOB)

Ownership & PSC

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

Director network

4 connected companies via shared directors

Filing history

38 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

69/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £102,045

Cash draining

Cash down 62% YoY

Cash YoY

-62%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£32k

↓ 62% YoY

Net Worth

£102k

↑ 134% YoY

Current Assets

£136k

↓ 27% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2024-06-30	2023-06-30
Total assets	£525.3k	£253.1k
Current assets	£135.5k	£186.4k
Cash	£32.4k	£85.9k
Debtors	£103.2k	£100.6k
Net assets	£102.0k	£43.5k

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

🔒Filing-note intelligence

3 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

filings

Last 90 days

filings

Last 180 days

filings

• 1 confirmation-statement
• 1 mortgage

Counts from Companies House filing history.

Corporate timeline (31 events)Click to expand

2025-12-29
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-23
🔒
Charge registered #11
Lender: Handelsbanken PLC
2025-03-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-28
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-27
🔒
Charge registered #10
Lender: Handelsbanken PLC
2024-03-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-10
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-10
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-10
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-10
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-10
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-10
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-01-27
🔒
Charge registered #9
Lender: Handelsbanken PLC
2023-01-27
🔒
Charge registered #8
Lender: Handelsbanken PLC
2023-01-27
🔒
Charge registered #7
Lender: Handelsbanken PLC
2023-01-27
🔒
Charge registered #6
Lender: Handelsbanken PLC
2023-01-27
🔒
Charge registered #5
Lender: Handelsbanken PLC
2023-01-27
🔒
Charge registered #4
Lender: Handelsbanken PLC
2022-03-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-29
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-01-29
📄
change-person-director-company-with-change-date
officers · CH01
2020-10-06
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-09-22
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-03-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-12-07
🔒
Charge registered #3
Lender: Svenska Handelsbanken Ab (Publ)
2017-08-30
🔒
Charge registered #2
Lender: Svenska Handelsbanken Ab (Publ)
2017-07-14
🔒
Charge registered #1
Lender: Svenska Handelsbanken Ab (Publ)
2017-01-19
🏢
Company incorporated
As KILGOUR INVESTMENTS LIMITED
2017-01-19
➕
KILGOUR, Ruaridh Ian appointed
director

Owner dependency

95/100

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

+Sole director: Only one active director — all governance concentrated on one person.
+Founder name in company name: Company name contains director surname "KILGOUR" — strong identity link between founder and business.
+No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

45/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

1 low

11 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

Social Wave Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Social Wave Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

KILGOUR INVESTMENTS LIMITED

This company · SC555112

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Social Wave Limited Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	20/01/2017
Mr Ruaridh Ian Kilgour Individual · British · DOB 12/1991 · age 35	—	—	sig. influencesignificant influence	19/01/2017

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 · EH postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
MANAGEMENT OPPORTUNITIES LIMITED→ SC118578 · est 1989 · no financials extracted	—	—	—	—	36y	—	—
MANNERSTON INVESTMENTS LIMITED→ SC778442 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
MCINROY & WOOD LIMITED→ SC100377 · est 1986 · no financials extracted	—	—	—	—	39y	—	—
MCLEAN & PARTNERS WEALTH MANAGEMENT LTD→ SC334469 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
MCM FINANCIAL LIMITED→ SC504450 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
MEIKLEHOPE LTD→ SC504508 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
MEO CAPITALPARTNERS LTD→ SC878178 · est 2026 · no financials extracted	—	—	—	—	—	—	—
MONEXO LTD→ SC833314 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
MONTAUK (UK) INVESTMENT HOLDINGS LIMITED→ SC531053 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
MORTGAGE AND FINANCIAL CONSULTANCY LTD→ SC547074 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
MORTGAGE AND PROTECTION FINANCIAL SERVICES LIMITED→ SC655965 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
MORTGAGE FIXED LIMITED→ SC753999 · est 2022 · no financials extracted	—	—	—	—	3y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

9 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

Incorporated2017-01-19

Jurisdictionscotland

Primary SIC64304 — Activities of open-ended investment companies

Registered office

1 Lochrin Square

92 - 98 Fountainbridge

Edinburgh

EH3 9QA

United Kingdom

Filing status

Accounts

Next due: 2026-06-30

Last made up to: 2024-06-30

Confirmation statement

Next due: 2027-02-01

Last: 2026-01-18

Officers (1 active · 0 resigned)

KILGOUR, Ruaridh Ian→

director · ~35y · appointed 2017-01-19

View their other companies + combined net worth →

Active

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:11 of 11 shown

		Type	Properties
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	1 property	23/12/2025	—
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	1 property	27/03/2025	—
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	2 properties	27/01/2023	—
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	2 properties	27/01/2023	—
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	2 properties	27/01/2023	—
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	2 properties	27/01/2023	—
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	2 properties	27/01/2023	—
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	1 property	27/01/2023	—
outstanding	Svenska Handelsbanken Ab (Publ)	A registered charge	1 property	07/12/2018	—
outstanding	Svenska Handelsbanken Ab (Publ)	A registered charge	—	30/08/2017	—
outstanding	Svenska Handelsbanken Ab (Publ)	A registered charge	1 property	14/07/2017	—

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

Recent filings (38 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-01-28

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2025-12-29

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-03-28

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2025-03-28

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-01-21

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-03-28

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-01-18

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-05-30

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2023-02-10

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2023-02-10

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2023-02-10

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2023-02-10

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2023-02-10

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2023-02-10

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-02-01