KILDONAN HOLDINGS LIMITED

💤Zombieactive
SC685146 · ltd · incorporated 2021-01-06
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 Jan 2025
Net worth
£158.0k
book net assets
Opportunity
66/100
Strong
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What this business does
Primary activity: Activities of financial services holding companies
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle. Reasonable fundamentals — worth a memo before deciding.

Opportunity 66/100 (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: 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 (58/100).

🏦

Refinance opportunity

8 live charges · 2 lenders · oldest 5.1y

30/100
under pressure

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

  • · Oldest live charge is 5.1 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: high (80/100)

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
75
Lenders & charges
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
22 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
66/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
55
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £157,992

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
£158k
↑ 119% YoY
Current Assets
£72k
↑ 284% YoY
Current Liabilities
£0£32k£63k£95k£126k£158kJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-01-312024-01-31
Total assets£384.6k£337.9k
Current assets£72.2k£18.8k
Net assets£158.0k£72.3k

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
7
filings
  • 6 mortgage
  • 1 confirmation-statement
Last 180 days
8
filings
  • 6 mortgage
  • 1 confirmation-statement
  • 1 capital
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-03-30
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2026-03-30
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2026-03-30
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2026-03-30
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2026-03-30
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2026-03-27
    🔒
    Charge registered #8
    Lender: Royal Bank of Scotland PLC
  7. 2026-03-27
    🔒
    Charge registered #7
    Lender: Royal Bank of Scotland PLC
  8. 2026-03-27
    🔒
    Charge registered #6
    Lender: Royal Bank of Scotland PLC
  9. 2026-03-27
    🔒
    Charge registered #5
    Lender: Royal Bank of Scotland PLC
  10. 2026-03-27
    🔒
    Charge registered #4
    Lender: Royal Bank of Scotland PLC
  11. 2026-03-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2026-02-24
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  13. 2025-12-11
    📄
    capital-allotment-shares
    capital · SH01
  14. 2025-10-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2025-03-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2025-03-18
    🔒
    Charge registered #2
    Lender: Royal Bank of Scotland PLC
  17. 2024-10-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2023-10-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2023-10-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  20. 2023-10-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  21. 2023-10-17
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  22. 2022-10-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  23. 2021-03-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2021-03-22
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  25. 2021-01-06
    🏢
    Company incorporated
    As KILDONAN HOLDINGS LIMITED
  26. 2021-01-06
    BIGGAR, Christopher Philip appointed
    director
  27. 2021-01-06
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

80/100
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.
  • +No director turnover: Company is 5 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 med · 1 low
6 new charges in last 12 months
medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2026-03-27: A registered charge; 2026-03-27: A registered charge; 2026-03-27: A registered charge

8 live charges
low

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

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Christopher Philip Biggar
Individual · British · DOB 07/1984 · age 42
75100%
75–100%board control75-100% shares · 75-100% voting · board control06/01/2021

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

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
Incorporated2021-01-06
Jurisdictionscotland
Primary SIC64205 — Activities of financial services holding companies

Registered office

9 Glasgow Road
Paisley
Scotland
PA1 3QS
United Kingdom

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-01-19
Last: 2026-01-05

Officers (1 active · 0 resigned)

BIGGAR, Christopher Philip
director · ~42y · appointed 2021-01-06
View their other companies + combined net worth →
Active

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

Mortgages & charges

8
Total charges
8
Outstanding
1
Active lenders
Status:Lender:8 of 8 shown
TypeProperties
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
A registered charge1 property27/03/2026
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
A registered charge1 property27/03/2026
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
A registered charge1 property27/03/2026
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
A registered charge1 property27/03/2026
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
A registered charge1 property27/03/2026
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge24/02/2026
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
A registered charge1 property18/03/2025
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property22/03/2021
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (22 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-03
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-11
capital-allotment-shares
capital · SH01
2025-12-11
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-15
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-22
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-17
change-person-director-company-with-change-date
officers · CH01
2023-10-17