KEIR & CAWDER ESTATES LIMITED
🌳Matureactive
SC012241 · ltd · incorporated 1922-05-30
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2023
Net worth
£3.03M
book net assets
Opportunity
59/100
Worth a look
What this business does
Primary activity: Activities of agricultural holding companies
Sector: Financial & insurance
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
Pass (distressed without resilience)Distressed asset-holding vehicle — structural issues outweigh the discount.
Opportunity 59/100 (worth a look), bankability 32/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (45/100). Current lenders should be on monthly review.
🏦
Refinance opportunity
34 live charges · 16 lenders · oldest 52.5y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 52.5 years old — likely at or near maturity.
- · 16 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (74/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
34 charges (34/34 with lender, 34/34 with type)
90
Directors & officers
12 officers (3 active, 12 linked, 8 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
204 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
59/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
45
Concerning — overdue filings or status flags present.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
38
Multiple red flags — proceed with caution.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £3,030,218
Key financials
1 year extracted from filed iXBRL accountsCash
£21k
Net Worth
£3.0m
Current Assets
£1.2m
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2023-12-31 |
|---|---|
| Total assets | £4.28M |
| Current assets | £1.22M |
| Cash | £21.4k |
| Debtors | £70.6k |
| Net assets | £3.03M |
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
2
filings
- • 2 officers
Last 90 days
2
filings
- • 2 officers
Last 180 days
4
filings
- • 2 officers
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (99 events)Click to expand
- 2026-04-13📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2026-04-13📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-04-01➕ROBERTSON, Dawn appointedsecretary
- 2026-04-01➖MACKIE, Shirley Moyra resignedsecretary
- 2025-12-11📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-12-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-12🔓Charge satisfied #33
- 2023-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-03-31➖LAIRD, David Logan resigneddirector
- 2023-02-23📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-02-22📄accounts-with-accounts-type-smallaccounts · AA
- 2023-02-14📄gazette-notice-compulsorygazette · GAZ1
- 2022-09-21📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-02-02📄accounts-with-accounts-type-smallaccounts · AA
- 2021-10-25📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2021-10-25📄legacycapital · SH20
- 2021-10-25⚠️legacyinsolvency · CAP-SS
- 2021-10-25📄resolutionresolution · RESOLUTIONS
- 2021-09-29📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2021-01-25📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2021-01-25📄legacycapital · SH20
- 2021-01-25⚠️legacyinsolvency · CAP-SS
- 2019-03-08🔒Charge registered #35Lender: Weatherbys Bank Limited
- 2018-12-20🔓Charge satisfied #29
- 2018-12-19🔒Charge registered #34Lender: Weatherbys Bank Limited
- 2018-12-18🔒Charge registered #33Lender: Clydesdale Bank PLC
- 2018-12-18🔒Charge registered #32Lender: Arnbathie Developments Limited
- 2018-12-17🔒Charge registered #31Lender: Weatherbys Bank Limited
- 2018-12-03➕MACGILLIVRAY, Simon Gregor appointeddirector
- 2018-11-30🔓Charge satisfied #28
- 2018-11-30🔓Charge satisfied #27
- 2018-11-30🔓Charge satisfied #21
- 2018-11-30🔓Charge satisfied #20
- 2018-11-28🔒Charge registered #30Lender: Weatherbys Bank Limited
- 2018-09-25🔓Charge satisfied #26
- 2018-09-25🔓Charge satisfied #25
- 2017-07-04🔒Charge registered #29Lender: Arnbathie Developments Limited
- 2017-07-04🔒Charge registered #28Lender: Clydesdale Bank PLC
- 2017-07-04🔒Charge registered #27Lender: Clydesdale Bank PLC
- 2017-07-04🔒Charge registered #26Lender: Social Money Limited (T/a the Bridgecrowd)
- 2017-06-15🔓Charge satisfied #24
- 2017-06-15🔓Charge satisfied #23
- 2017-06-15🔓Charge satisfied #22
- 2017-05-18🔒Charge registered #25Lender: Social Money Limited (T/a the Bridgecrowd)
- 2016-03-30🔒Charge registered #24Lender: Lancashire Mortgage Corporation Limited
- 2016-03-30🔒Charge registered #23Lender: Lancashire Mortgage Corporation Limited
- 2016-03-30🔒Charge registered #22Lender: Lancashire Mortgage Corporation Limited
- 2013-03-20🔓Charge satisfied #14
Showing most recent 50 of 99 events
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 85 — succession pressure is live.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 85 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
2 high · 1 med · 1 lowAccounts overdue
highStatutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2026-03-11
2 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2021-10-25: legacy; 2021-01-25: legacy
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
5 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Archibald Hugh Stirling Individual · British · DOB 09/1941 · age 85 | 75–100% | — | 75-100% shares | 06/04/2016 |
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 · Holding company · FK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| EDINMAC LIMITED→ SC867838 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FORTH ELECTRICAL SERVICES LIMITED→ SC207777 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| FORTH HOLDINGS LIMITED→ SC616186 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| HALMAX INTERNATIONAL LIMITED→ SC557345 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| INDUSVENT (SCOTLAND) LIMITED→ SC393976 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| KALLA JSP HOLDINGS LTD→ SC866378 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| LARREB LIMITED→ SC616986 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| LAWLOR HOLDINGS SCOTLAND LTD→ SC819818 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| MCMILLAN PROPERTY DEVELOPMENTS LTD→ SC723123 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| MID TARTRAVEN ENTERPRISES LIMITED→ SC816585 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| NORCAM INTERNATIONAL LTD→ SC735350 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| NUTSHELL PROPERTY LTD→ SC737773 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
11 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
Incorporated1922-05-30
Jurisdictionscotland
Primary SIC64201 — Activities of agricultural holding companies
Registered office
Keir Estate Office
Craigarnhall
Bridge Of Allan
Stirling
FK9 4NG
Filing status
Accounts
Next due: 2026-03-11OVERDUE
Last made up to: 2023-12-31
Confirmation statement
Next due: 2026-12-05
Last: 2025-11-21
Officers (3 active · 9 resigned)
Active
MACGILLIVRAY, Simon Gregor→
Activedirector · ~67y · appointed 2018-12-03
View their other companies + combined net worth →
Active
CHURCH, Daniel Francis→
Resignedsecretary · resigned 1995-09-11
MACKIE, Shirley Moyra→
Resignedsecretary · appointed 1995-09-11 · resigned 2026-04-01
ARMSTRONG, Douglas William→
Resigneddirector · ~70y · resigned 2006-09-29
BLAKE, Richard John Bowden→
Resigneddirector · ~90y · resigned 1994-03-04
DIXON, David Michael→
Resigneddirector · ~100y · resigned 1997-06-17
LAIRD, David Logan→
Resigneddirector · ~89y · appointed 1996-01-19 · resigned 1996-08-30
LAIRD, David Logan→
Resigneddirector · ~89y · appointed 1996-01-19 · resigned 2023-03-31
STIRLING, Archibald David→
Resigneddirector · resigned 1990-11-04
STIRLING, William Rory Alexander→
Resigneddirector · ~61y · appointed 1997-02-04 · resigned 2011-06-10
Click a director name to see their full track record across all companies.
Mortgages & charges
34
Total charges
5
Outstanding
2
Active lenders
Status:Lender:34 of 34 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Weatherbys Bank Weatherbys Bank Limited | A registered charge | 5 properties | 08/03/2019 | — | |
| outstanding | Weatherbys Bank Weatherbys Bank Limited | A registered charge | 1 property | 19/12/2018 | — | |
| satisfied | Virgin Money Clydesdale Bank PLC | A registered charge | 5 properties | 18/12/2018 | 12/08/2024 | |
| outstanding | Arnbathie Developments Arnbathie Developments Limited | A registered charge | 1 property | 18/12/2018 | — | |
| outstanding | Weatherbys Bank Weatherbys Bank Limited | A registered charge | 1 property | 17/12/2018 | — | |
| outstanding | Weatherbys Bank Weatherbys Bank Limited | A registered charge | — | 28/11/2018 | — | |
| satisfied | Arnbathie Developments Arnbathie Developments Limited | A registered charge | 1 property | 04/07/2017 | 20/12/2018 | |
| satisfied | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 04/07/2017 | 30/11/2018 | |
| satisfied | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 04/07/2017 | 30/11/2018 | |
| satisfied | Social Money (T/a the Bridgecrowd) Social Money Limited (T/a the Bridgecrowd) | A registered charge | 1 property | 04/07/2017 | 25/09/2018 | |
| satisfied | Social Money (T/a the Bridgecrowd) Social Money Limited (T/a the Bridgecrowd) | A registered charge | — | 18/05/2017 | 25/09/2018 | |
| satisfied | Lancashire Mortgage Corporation Lancashire Mortgage Corporation Limited | A registered charge | 2 properties | 30/03/2016 | 15/06/2017 | |
| satisfied | Lancashire Mortgage Corporation Lancashire Mortgage Corporation Limited | A registered charge | 1 property | 30/03/2016 | 15/06/2017 | |
| satisfied | Lancashire Mortgage Corporation Lancashire Mortgage Corporation Limited | A registered charge | 1 property | 30/03/2016 | 15/06/2017 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Standard security | 4 properties | 01/12/2011 | 30/11/2018 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 24/11/2011 | 30/11/2018 | |
| satisfied | Mrs Sharon Stirling | Standard security | 1 property | 21/12/2004 | 06/01/2012 | |
| satisfied | Adam & Company Adam & Company PLC | Standard security | 1 property | 21/12/2004 | 17/12/2011 | |
| satisfied | Sharon Stirling | Standard security | 1 property | 09/07/2001 | 06/01/2012 | |
| satisfied | Adam & Company Adam & Company PLC | Standard security | 1 property | 12/04/2001 | 17/12/2011 | |
| satisfied | Adam & Company Adam & Company PLC | Standard security | 1 property | 12/04/2001 | 17/12/2011 | |
| satisfied | Adam & Company Adam & Company PLC | Bond & floating charge | 1 property | 02/04/2001 | 20/03/2013 | |
| satisfied | K W Properties K W Properties Limited | Standard security | 1 property | 12/04/2000 | 10/10/2012 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 07/02/1996 | 20/04/2001 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 19/01/1996 | 20/04/2001 | |
| satisfied | The Right Honourable Robert Michael James Cecil, the Viscount Cranborne, Pc | Standard security | 1 property | 11/11/1994 | 13/05/1996 | |
| satisfied | The Right Honourable Robert Michael James Cecil, the Viscount Cranborne, P.C. | Bond & floating charge | 1 property | 04/11/1994 | 13/05/1996 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 08/08/1990 | 02/03/2004 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 08/08/1990 | 02/03/2004 | |
| satisfied | Midland Bank Midland Bank PLC | Equitable charge | 1 property | 10/05/1989 | 02/03/2004 | |
| satisfied | Hairdorn Hairdorn LTD | Standard security | 1 property | 02/12/1976 | 02/03/2004 | |
| satisfied | Diamond Development Company Diamond Development Company LTD | Standard security | 1 property | 02/12/1976 | 02/03/2004 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 27/10/1976 | 02/03/2004 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company / Clydesdale Bank Public Limited Company / The Company | Floating charge | 1 property | 23/10/1973 | 24/06/1996 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (204 total)
appoint-person-secretary-company-with-name-date
officers · AP03
2026-04-13
termination-secretary-company-with-name-termination-date
officers · TM02
2026-04-13
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-08-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-29
termination-director-company-with-name-termination-date
officers · TM01
2023-04-13
gazette-filings-brought-up-to-date
gazette · DISS40
2023-02-23
accounts-with-accounts-type-small
accounts · AA
2023-02-22
gazette-notice-compulsory
gazette · GAZ1
2023-02-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-23
change-account-reference-date-company-previous-shortened
accounts · AA01
2022-09-21