HARRIS GARAGE COMPANY (TARBERT) LIMITED

🌳Matureactive
SC058995 · ltd · incorporated 1975-11-26
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 48.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£25.5k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Property-backed borrower with a 91-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 91). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · 2 lenders · oldest 48.5y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 48.5 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
7 officers (6 active, 7 linked, 6 with DOB)
87
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
98 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
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £25,467
Cash YoY
-13%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£7k
↓ 13% YoY
Net Worth
£25k
↑ 25% YoY
Current Assets
£8k
↓ 10% YoY
Current Liabilities
—
£0£5k£10k£15k£20k£25kApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-302024-04-30
Total assets£45.1k£40.9k
Current assets£8.2k£9.1k
Cash£7.3k£8.4k
Debtors£875£710
Net assets£25.5k£20.4k

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-01-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-03-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-01-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-04-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-01-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-01-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-01-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-06-26
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  11. 2017-06-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2017-01-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-12-14
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-06-30
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-06-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2003-03-31
    ➕
    CAMERON, Ewan appointed
    director
  17. 2002-09-02
    🔓
    Charge satisfied #5
  18. 2000-09-25
    ➕
    CAMERON, Mairi Lauda appointed
    director
  19. 1993-10-28
    🔒
    Charge registered #5
    Lender: The Governor and Company of the Bank of Scotland
  20. 1993-05-01
    ➕
    MORRISON, John Murdo appointed
    director
  21. 1993-04-30
    ➕
    MORRISON, Helen Rose appointed
    director
  22. 1992-08-23
    ➖
    CAMERON, Thomas Ewan resigned
    director
  23. 1990-09-24
    🔓
    Charge satisfied #4
  24. 1980-03-10
    🔒
    Charge registered #4
    Lender: Highlands & Islands Development Board
  25. 1979-11-26
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  26. 1977-10-21
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  27. 1975-11-26
    🏢
    Company incorporated
    As HARRIS GARAGE COMPANY (TARBERT) LIMITED

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -5 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 33 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 91 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 91 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 33 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 50 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • 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
Mr David Ewan Cameron
Individual · British · DOB 02/1948 · age 78
50–75%
50–75%50-75% shares · 50-75% voting06/04/2016
Mairi Lauda Cameron
Individual · British · DOB 01/1957 · age 69
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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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
Typeltd
Incorporated1975-11-26
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Hill Cottage Scott Road
Tarbert
Isle Of Harris
HS3 3DL

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-07-15
Last: 2025-07-01

Officers (6 active · 1 resigned)

CAMERON, David Ewan→
secretary
View their other companies + combined net worth →
Active
CAMERON, David Ewan→
director · ~78y
View their other companies + combined net worth →
Active
CAMERON, Ewan→
director · ~53y · appointed 2003-03-31
View their other companies + combined net worth →
Active
CAMERON, Mairi Lauda→
director · ~69y · appointed 2000-09-25
View their other companies + combined net worth →
Active
MORRISON, Helen Rose→
director · ~91y · appointed 1993-04-30
View their other companies + combined net worth →
Active
MORRISON, John Murdo→
director · ~89y · appointed 1993-05-01
View their other companies + combined net worth →
Active
CAMERON, Thomas Ewan→
director · ~126y · resigned 1992-08-23
Resigned

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

Mortgages & charges

4
Total charges
2
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property28/10/199302/09/2002
satisfied
Highlands & Islands Development Board
Standard security1 property10/03/198024/09/1990
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property26/11/1979—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Floating charge1 property21/10/1977—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (98 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-30
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-06
accounts-with-accounts-type-micro-entity
accounts · AA
2020-01-27
confirmation-statement-with-updates
confirmation-statement · CS01
2019-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-01-28