MURIE MCDOUGALL, LIMITED
🌳Matureactive
SC032948 · ltd · incorporated 1958-03-24
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 46.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
ALSO REGISTERED FOR
- 68100Buying and selling of own real estate
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 79/100 (strong), bankability 85/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 46.1y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 46.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 5 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
99 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
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
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · IFRS| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 100 | 100 |
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
3
filings
- • 2 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2025-12-18➖MCDOUGALL, Paul Robin resigneddirector
- 2025-12-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-05-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-05-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-05-14➕MCDOUGALL, Paul Robin appointeddirector
- 2021-05-14➕MCDOUGALL, Paul Robin appointeddirector
- 2020-07-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-03-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-06-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-07-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-07-20🔓Charge satisfied #1
- 2017-07-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-10-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-05-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2016-04-01➖MCDOUGALL, Jill Wallace resigneddirector
- 2014-11-21➖KERR, George Stewart resigneddirector
- 1980-03-13🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1958-03-24🏢Company incorporatedAs MURIE MCDOUGALL, LIMITED
Owner dependency
96/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "MCDOUGALL" — strong identity link between founder and business.
- +Founder age: Director aged approximately 88 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- primaryFamily succession underway: Not a takeover target — MCDOUGALL, Paul Robin (same surname) appointed 2021-05-14. Pattern consistent with intra-family handover.
- primaryFounder aged 70+: Senior director is approximately 88 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 68 years old and no new directors in the last 3 years — succession not yet being planned internally.
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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Robin John Mcdougall Individual · British · DOB 03/1938 · age 88 | 75–100% | — | 75-100% shares | 02/05/2016 |
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 · Financial services · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| JFX TRADING NETWORK LTD→ SC847676 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JMC FINANCIAL SERVICES LIMITED→ SC245180 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| JUNIPER FINANCIAL PLANNING LTD→ SC787872 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| KEN BINNIE FINANCIAL LIMITED→ SC244778 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| LEVERAGE IP LTD.→ SC212452 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| MONARCHIA (AESTHETICS AND SAFETY) CONSULTANCY LTD→ SC801508 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| MORTGAGE ADVICE PARTNERSHIP LTD.→ SC309712 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| MORTGAGE MASTER (GLASGOW) LTD.→ SC185579 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| MURRAY D GINN CONSULTING LTD→ SC780432 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| NEWARD WEALTH MANAGEMENT LTD→ SC575440 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| NEWARK WEALTH LTD→ SC557559 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| NICHOLSON WEALTH LIMITED→ SC835235 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated1958-03-24
Jurisdictionscotland
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Registered office
4b Kirklands Greenock Road
Largs
KA30 8PG
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-01-01
Last: 2025-12-18
Officers (3 active · 3 resigned)
Active
MCDOUGALL, Paul Robin→
Activedirector · ~50y · appointed 2021-05-14
View their other companies + combined net worth →
Active
KERR, George Stewart→
Resigneddirector · ~87y · resigned 2014-11-21
MCDOUGALL, Jill Wallace→
Resigneddirector · ~86y · resigned 2016-04-01
MCDOUGALL, Paul Robin→
Resigneddirector · ~50y · appointed 2021-05-14 · resigned 2025-12-18
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 13/03/1980 | 20/07/2017 |
Recent filings (99 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-22
termination-director-company-with-name-termination-date
officers · TM01
2025-12-18
appoint-person-director-company-with-name-date
officers · AP01
2025-12-18
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-23
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-26
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-23
accounts-with-accounts-type-micro-entity
accounts · AA
2022-02-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-23
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-27
appoint-person-director-company-with-name-date
officers · AP01
2021-05-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-23
accounts-with-accounts-type-micro-entity
accounts · AA
2020-07-13