W.&I. RAE (INVESTMENTS) LIMITED

🌳Matureactive
SC077370 · ltd · incorporated 1982-01-29
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 43.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£-81.1k
book net assets
Opportunity
78/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: SIC 45112
Sector: Wholesale & retail
Investor take
Pass (distressed without resilience)
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 78/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 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

7 live charges · 2 lenders · oldest 43.8y

50/100
clean up first

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

  • · Oldest live charge is 43.8 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: 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
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 3 with DOB)
85
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
97 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
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £81,080
Cash YoY
+109%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£9k
↑ 109% YoY
Net Worth
-£81k
↑ 22% YoY
Current Assets
£15k
↑ 161% YoY
Current Liabilities
—
-£104k-£80k-£57k-£33k-£9k£15kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£-81.1k£-104.0k
Current assets£14.7k£5.6k
Cash£8.7k£4.2k
Debtors£6.0k£1.5k
Net assets£-81.1k£-104.0k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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
0
filings
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2025-05-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-10-10
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2023-10-10
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  5. 2023-10-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2023-09-29
    ➕
    RAE, David Michael appointed
    director
  7. 2023-05-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-08-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-10-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-10-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-12-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2018-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-06-18
    ➖
    RAE, Irene Bruce resigned
    director
  14. 2018-06-18
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2017-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2017-07-10
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  17. 2017-07-10
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  18. 2010-04-26
    ➕
    LAURIE & COMPANY appointed
    corporate-secretary
  19. 1991-04-01
    🔒
    Charge registered #14
    Lender: Clydesdale Bank Public Limited Company
  20. 1990-06-15
    🔓
    Charge satisfied #10
  21. 1990-06-04
    🔓
    Charge satisfied #5
  22. 1986-09-29
    🔒
    Charge registered #10
    Lender: The Governor and Company of the Bank of Scotland
  23. 1986-09-29
    🔓
    Charge satisfied #4
  24. 1986-09-29
    🔓
    Charge satisfied #3
  25. 1986-09-29
    🔓
    Charge satisfied #2
  26. 1986-09-29
    🔓
    Charge satisfied #1
  27. 1986-09-11
    🔒
    Charge registered #5
    Lender: The Governor and Company of the Bank of Scotland
  28. 1983-11-03
    🔒
    Charge registered #4
    Lender: Clydesdale Bank Public Limited Company
  29. 1983-09-02
    🔒
    Charge registered #3
    Lender: Clydesdale Bank Public Limited Company
  30. 1982-08-12
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  31. 1982-07-23
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  32. 1982-01-29
    🏢
    Company incorporated
    As W.&I. RAE (INVESTMENTS) 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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 75 — succession pressure is live.

Succession & seller-readiness

26/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — RAE, David Michael (same surname) appointed 2023-09-29. Pattern consistent with intra-family handover.
  • primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr David Michael Rae
Individual · British · DOB 06/1988 · age 38
25–50%
—25-50% shares03/10/2023
Mr William Rae
Individual · British · DOB 08/1951 · age 75
25–50%
—25-50% shares06/04/2016
1 historic (ceased) PSC
  • Mrs Irene Bruce Raeceased 03/10/2023· 25-50% shares

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 · Automotive · AB postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
COLIN LAWSON TRANSPORT LIMITED→
SC268596 · est 2004
£1.64M
£1.31M–£1.97M
£8.74M—730021y8759y
BREAKING POINT LIMITED→
SC167411 · est 1996
——£22.6k—29y8361y
CARS RECOVERY LIMITED→
SC334403 · est 2007
——£186.5k—18y8368y
MACDUFF DIESELS LTD.→
SC177616 · est 1997
——£909.3k—28y8370y
WESTFIELD MOTORS (PETERHEAD) LIMITED→
SC234665 · est 2002
——£600.4k—23y8384y
A. W. AUTOTECH LIMITED→
SC172396 · est 1997
——£527.7k—29y8259y
ALAN J. ROSS MOTOR ENGINEERS LTD.→
SC178820 · est 1997
——£382.8k—28y8272y
BRIDGE OF DON GARAGE LIMITED→
SC285473 · est 2005
——£163.5k—20y8265y
CAMERON AUTOTECH LIMITED→
SC241160 · est 2002
——£1.27M—23y8265y
CITYVOE LIMITED→
SC274365 · est 2004
———70021y8263y
COTTAGE CARS (ABERDEEN) LTD.→
SC350432 · est 2008
————17y8265y
CROWN MOTORS (A & I) LIMITED→
SC128540 · est 1990
——£2.41M—35y8266y
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
Incorporated1982-01-29
Jurisdictionscotland
Primary SIC45112 — SIC 45112

Registered office

17 Victoria Street
Aberdeen
AB10 1PU

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-24
Last: 2025-10-10

Officers (3 active · 1 resigned)

LAURIE & COMPANY→
corporate-secretary · appointed 2010-04-26
View their other companies + combined net worth →
Active
RAE, David Michael→
director · ~38y · appointed 2023-09-29
View their other companies + combined net worth →
Active
RAE, William→
director · ~75y
View their other companies + combined net worth →
Active
RAE, Irene Bruce→
director · ~73y · resigned 2018-06-18
Resigned

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

Mortgages & charges

7
Total charges
1
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property01/04/1991—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property29/09/198615/06/1990
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property11/09/198604/06/1990
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property03/11/198329/09/1986
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property02/09/198329/09/1986
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property12/08/198229/09/1986
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property23/07/198229/09/1986
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (97 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-28
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-10
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-10-10
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-10-10
appoint-person-director-company-with-name-date
officers · AP01
2023-10-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-14