NORTH OF SCOTLAND FINANCIAL SERVICES LTD

💤Zombieactive

SC676976 · ltd · incorporated 2020-10-07

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 Mar 2026

Net worth

—

book net assets

Opportunity

76/100

Strong

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

What this business does

Primary activity: Financial management

Sector: Professional, scientific & technical

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 76/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (76/100)

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

Confirmed no charges registered

Directors & officers

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

Ownership & PSC

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

Director network

Network not yet resolved

Filing history

23 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

76/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

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 · accounting standard unknown

Metric	2026-03-31	2025-03-31

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

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (22 events)Click to expand

2026-04-03
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-10
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-06-09
➖
FERGUSON, Eileen resigned
director
2025-05-06
➕
FERGUSON, Eileen appointed
director
2025-05-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-04-08
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-04
📄
change-person-secretary-company-with-change-date
officers · CH03
2024-09-04
📄
change-person-secretary-company-with-change-date
officers · CH03
2024-04-09
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-03
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-06-05
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-21
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-10-21
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-10-21
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2021-10-21
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-10-20
➕
FERGUSON, Eileen appointed
secretary
2021-04-13
📄
change-account-reference-date-company-current-extended
accounts · AA01
2020-10-07
🏢
Company incorporated
As NORTH OF SCOTLAND FINANCIAL SERVICES LTD
2020-10-07
➕
FERGUSON, Brian Alexander appointed
director
2020-10-07
📄
incorporation-company
incorporation · NEWINC

Owner dependency

83/100

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.
+Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

55/100

Strong succession signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

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
Eileen Ferguson Individual · British · DOB 08/1969 · age 57	25–50%	25–50%	25-50% shares · 25-50% voting	30/03/2021
Mr Brian Alexander Ferguson Individual · British · DOB 02/1968 · age 58	25–50%	25–50%	25-50% shares · 25-50% voting	07/10/2020

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Professional services · PA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
STEWART SHAW HOLDINGS LIMITED→ SC080687 · est 1982	£1.09M £800.5k–£1.37M	—	—	89	43y	85	75y
WEST HOLIDAYS LIMITED→ SC714316 · est 2021	£74.8k £55.1k–£94.5k	£198.8k	—	300	4y	93	48y
HEWITT ACCOUNT MANAGEMENT LIMITED→ SC693563 · est 2021	£71.3k £52.5k–£90.1k	£28.6k	—	200	5y	84	48y
POD SUBSEA CONTRACTORS LIMITED→ SC666683 · est 2020	£6.8k £5.0k–£8.6k	£4.2k	—	100	5y	86	58y
FORBES LESLIE NETWORK LIMITED→ SC148828 · est 1994	—	—	—	14	32y	83	62y
HEBRIDEAN WHALE AND DOLPHIN TRUST LIMITED→ SC172338 · est 1997 · no financials extracted	—	—	—	—	29y	83	79y
MACFARLANE YOUNG LIMITED→ SC332280 · est 2007	—	—	£146.8k	—	18y	83	62y
SWEENEY BOOKKEEPING LTD→ SC843439 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
T.S.R. ROADSWEEPER HIRE LTD→ SC621313 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
TOTAL PAYROLL EXPERTS LTD.→ SC834346 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
VIKING ISLE LTD→ SC864968 · est 2025 · no financials extracted	—	—	—	—	—	—	—
WCM SCOTLAND LTD→ SC773186 · est 2023 · no financials extracted	—	—	—	—	2y	—	—

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

Incorporated2020-10-07

Jurisdictionscotland

Primary SIC70221 — Financial management

Registered office

Studio 106 Embroidery Mill

Paisley

Renfrewshire

PA1 1TJ

Scotland

Filing status

Accounts

Next due: 2027-12-31

Last made up to: 2026-03-31

Confirmation statement

Next due: 2026-10-24

Last: 2025-10-10

Officers (2 active · 1 resigned)

FERGUSON, Eileen→

secretary · appointed 2021-10-20

View their other companies + combined net worth →

Active

FERGUSON, Brian Alexander→

director · ~58y · appointed 2020-10-07

View their other companies + combined net worth →

Active

FERGUSON, Eileen→

director · ~57y · appointed 2025-05-06 · resigned 2025-06-09

Resigned

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

Recent filings (23 total)

accounts-with-accounts-type-micro-entity

accounts · AA

2026-04-03

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-10-10

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2025-10-10

termination-director-company-with-name-termination-date

officers · TM01

2025-06-10

appoint-person-director-company-with-name-date

officers · AP01

2025-05-06

accounts-with-accounts-type-micro-entity

accounts · AA

2025-04-08

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-10-23

change-person-secretary-company-with-change-date

officers · CH03

2024-09-04

change-person-secretary-company-with-change-date

officers · CH03

2024-09-04

accounts-with-accounts-type-micro-entity

accounts · AA

2024-04-09

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-10-23

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2023-10-03

accounts-with-accounts-type-micro-entity

accounts · AA

2023-06-05

confirmation-statement-with-updates

confirmation-statement · CS01

2022-10-31

accounts-with-accounts-type-micro-entity

accounts · AA

2022-04-28