BANFF TOWN AND COUNTY CLUB

🌳Matureactive
SC001082 · private-limited-guarant-nsc · incorporated 1882-01-19
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
Upgrade to see
Turnover
year to Mar 2025
Net worth
£58.1k
book net assets
Opportunity
78/100
Strong
🔔
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What this business does
Primary activity: Licenced clubs
Sector: Accommodation & food service
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and acceptable with review structure.

Opportunity 78/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (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
69 officers (6 active, 69 linked, 59 with DOB)
87
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
200 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £58,110
Net assets shrinking
Down £8,103 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
£58k
↓ 12% YoY
Current Assets
£6k
↓ 39% YoY
Current Liabilities
£0£13k£26k£40k£53k£66kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£58.1k£66.2k
Current assets£5.9k£9.7k
Net assets£58.1k£66.2k

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
2
filings
  • 1 officers
  • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (143 events)Click to expand
  1. 2025-11-13
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  2. 2025-11-13
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  3. 2025-11-12
    FRENCH, Billy resigned
    director
  4. 2025-10-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-10-16
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2024-10-16
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2024-10-14
    MILNE, David resigned
    director
  8. 2024-10-14
    SAUNDERS, Nigel resigned
    director
  9. 2024-08-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2024-08-05
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2024-08-01
    THOM, Catherine Allison appointed
    director
  12. 2024-05-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2024-05-01
    SAUNDERS, Jennifer resigned
    director
  14. 2023-12-01
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  15. 2023-11-20
    SAUNDERS, Jennifer resigned
    secretary
  16. 2023-09-28
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2023-09-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2023-09-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2023-09-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  20. 2023-09-16
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  21. 2023-09-15
    WEST, William appointed
    director
  22. 2023-09-15
    WEST, William resigned
    director
  23. 2023-09-11
    DOWNIE, Ian appointed
    director
  24. 2023-09-11
    SAUNDERS, Jennifer appointed
    secretary
  25. 2023-09-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  26. 2023-09-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  27. 2023-09-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  28. 2023-09-08
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  29. 2023-09-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  30. 2023-08-31
    MILNE, David appointed
    director
  31. 2023-08-31
    SAUNDERS, Nigel appointed
    director
  32. 2023-08-31
    WEST, William appointed
    director
  33. 2023-08-30
    WILSON, Deborah Anne resigned
    secretary
  34. 2023-08-30
    FLANAGAN, Chris resigned
    director
  35. 2023-08-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  36. 2022-11-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  37. 2022-11-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  38. 2022-09-30
    MORTON, Linda Christina resigned
    director
  39. 2022-09-30
    WATSON, Graeme James Robert resigned
    director
  40. 2020-08-01
    SAUNDERS, Jennifer appointed
    director
  41. 2020-04-01
    MASSON, Alan resigned
    director
  42. 2019-05-20
    MATHERS, Brenda Jane appointed
    director
  43. 2019-05-20
    MASSON, Alan appointed
    director
  44. 2017-11-13
    FLANAGAN, Chris appointed
    director
  45. 2017-09-30
    WATSON, Julian Thomas resigned
    director
  46. 2017-04-01
    FRENCH, Billy appointed
    director
  47. 2017-04-01
    MORTON, Linda Christina appointed
    director
  48. 2017-03-31
    MACKENZIE, Elizabeth resigned
    director
  49. 2017-03-31
    MACKENZIE, Gordon resigned
    director
  50. 2017-03-31
    SHANKS, Beatrice Edith Lee resigned
    director
Showing most recent 50 of 143 events

Owner dependency

55/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -6 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 77 — succession pressure is live.

Succession & seller-readiness

73/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 14 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

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
Ms Linda Christina Morton
Individual · British · DOB 08/1957 · age 69
sig. influencesignificant influence01/04/2017
Ms Deborah Anne Wilson
Individual · British · DOB 01/1956 · age 70
sig. influencesignificant influence01/04/2017
1 historic (ceased) PSC
  • Mr Billy Frenchceased 12/11/2025· significant influence

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

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
Typeprivate-limited-guarant-nsc
Incorporated1882-01-19
Jurisdictionscotland
Primary SIC56301 — Licenced clubs

Registered office

11 Boyndie Street
Banff
AB45 1DY

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-06-11
Last: 2025-05-28

Officers (6 active · 63 resigned)

DOWNIE, Ian
director · ~59y · appointed 2023-09-11
View their other companies + combined net worth →
Active
FITZPATRICK, Gerald
director · ~77y · appointed 2012-09-03
View their other companies + combined net worth →
Active
MATHERS, Brenda Jane
director · ~63y · appointed 2019-05-20
View their other companies + combined net worth →
Active
THOM, Catherine Allison
director · ~69y · appointed 2024-08-01
View their other companies + combined net worth →
Active
WEST, William
director · ~45y · appointed 2023-09-15
View their other companies + combined net worth →
Active
WILSON, Deborah Anne
director · ~70y · appointed 2014-11-05
View their other companies + combined net worth →
Active
BUCHAN, James Ritchie
secretary · appointed 2013-04-01 · resigned 2015-10-31
Resigned
EDWARDS, Ian Douglas
secretary · appointed 1992-10-01 · resigned 2006-06-21
Resigned
FORBES, Charles Rose
secretary · appointed 1991-08-04 · resigned 1992-09-30
Resigned
GIFFORD, James Alexander Moncreiff
secretary · appointed 2006-06-21 · resigned 2013-03-31
Resigned
PHIMISTER, David
secretary · resigned 1991-08-04
Resigned
SAUNDERS, Jennifer
secretary · appointed 2023-09-11 · resigned 2023-11-20
Resigned
WILSON, Deborah Anne
secretary · appointed 2015-11-25 · resigned 2023-08-30
Resigned
BAIN, William Archibald
director · ~78y · appointed 1998-05-27 · resigned 2002-09-19
Resigned
BAXTER, Ashley Fraser
director · ~83y · resigned 1993-06-02
Resigned
BOYD, Thomas Grant
director · ~78y · appointed 1993-06-02 · resigned 1998-05-27
Resigned
BUCHAN, James Ritchie
director · ~71y · appointed 1993-06-02 · resigned 2002-06-05
Resigned
CAMERON, Ian
director · ~80y · appointed 2002-11-11 · resigned 2015-10-28
Resigned
CLARK, James
director · ~88y · resigned 2000-06-07
Resigned
COPIC, Milan
director · ~66y · appointed 2003-06-18 · resigned 2006-06-21
Resigned

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

Recent filings (200 total)

termination-director-company-with-name-termination-date
officers · TM01
2025-11-13
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-11-13
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-03
termination-director-company-with-name-termination-date
officers · TM01
2024-10-16
termination-director-company-with-name-termination-date
officers · TM01
2024-10-16
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-20
appoint-person-director-company-with-name-date
officers · AP01
2024-08-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-10
termination-director-company-with-name-termination-date
officers · TM01
2024-05-02
termination-secretary-company-with-name-termination-date
officers · TM02
2023-12-01
appoint-person-director-company-with-name-date
officers · AP01
2023-09-28
termination-director-company-with-name-termination-date
officers · TM01
2023-09-28
change-person-director-company-with-change-date
officers · CH01
2023-09-22
appoint-person-director-company-with-name-date
officers · AP01
2023-09-19