MOTOR FINANCE SCOTLAND LTD
🏛️Establishedactive
SC658805 · ltd · incorporated 2020-04-06
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£168
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 71/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (2 active, 5 linked, 5 with DOB)
90
Ownership & PSC
2 active PSC(s) of 6 total, 6 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
30 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £168
Cash YoY
+132%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£18k
↑ 132% YoY
Net Worth
£168
↑ 7.7% YoY
Current Assets
£39k
↑ 48% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £47.1k | £57.6k |
| Current assets | £38.6k | £26.1k |
| Cash | £17.8k | £7.6k |
| Debtors | £20.8k | £18.4k |
| Net assets | £168 | £156 |
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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2025-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-24➖SHAW, Andrew John resigneddirector
- 2024-01-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-10-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-10-25📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-10-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-28➕HIGGINS, Christopher appointeddirector
- 2023-07-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-09-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-08➕SHAW, Andrew John appointeddirector
- 2022-09-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-09-06➖MACFADYEN, Gavin Norman resigneddirector
- 2022-09-06➖MACFADYEN, John Hugh resigneddirector
- 2022-09-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-09-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-08-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-08-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-08-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-08-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-04-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-04-06🏢Company incorporatedAs MOTOR FINANCE SCOTLAND LTD
- 2020-04-06➕MCMUNNIGAL, Nicole Lorraine appointeddirector
- 2020-04-06➕MACFADYEN, Gavin Norman appointeddirector
- 2020-04-06➕MACFADYEN, John Hugh appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited 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
cleanNo 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 Christopher Higgins Individual · British · DOB 01/1989 · age 37 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 28/08/2023 |
Miss Nicole Lorraine Mcmunnigal Individual · British · DOB 08/1994 · age 32 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2020 |
4 historic (ceased) PSCs
- Mr John Hugh Macfadyenceased 11/08/2022· 25-50% shares · 25-50% voting · board control · significant influence · trust interest · firm interest
- Mr Gavin Norman Macfadyenceased 11/08/2022· 25-50% shares · 25-50% voting · board control · significant influence · trust interest · firm interest
- Mr John Hugh Macfadyenceased 19/04/2022· board control
- Mr Gavin Norman Macfadyenceased 19/04/2022· board control
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 | — | — |
| MONEXO LTD→ SC833314 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 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 | — | — |
| MORTGAGE NEST LTD→ SC655747 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| MPE (G.P. IV GENERAL PARTNER) LIMITED→ SC384399 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| MPE (MANAGING PARTNER) LIMITED→ SC386738 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| MPE G.P. (SCOTLAND) LIMITED→ SC208145 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| MPS GENERAL PARTNER LIMITED→ SC589198 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated2020-04-06
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Fairways Business Park
8 Deer Park Ave, Deans
Livingston
EH54 8AF
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-08
Last: 2025-10-25
Officers (2 active · 3 resigned)
HIGGINS, Christopher→
Activedirector · ~37y · appointed 2023-08-28
View their other companies + combined net worth →
MCMUNNIGAL, Nicole Lorraine→
Activedirector · ~32y · appointed 2020-04-06
View their other companies + combined net worth →
MACFADYEN, Gavin Norman→
Resigneddirector · ~41y · appointed 2020-04-06 · resigned 2022-09-06
MACFADYEN, John Hugh→
Resigneddirector · ~68y · appointed 2020-04-06 · resigned 2022-09-06
SHAW, Andrew John→
Resigneddirector · ~55y · appointed 2022-09-08 · resigned 2024-01-24
Click a director name to see their full track record across all companies.
Recent filings (30 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-19
termination-director-company-with-name-termination-date
officers · TM01
2024-01-24
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-25
appoint-person-director-company-with-name-date
officers · AP01
2023-10-25
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-10-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-25
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-07-04
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-09-15
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-09-15
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-14