KLIC CARS LIMITED

🌳Matureactive
SC116575 · ltd · incorporated 1989-03-03
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.
🔒Estimated value
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Turnover
year to Apr 2025
Net worth
£172.6k
book net assets
Opportunity
71/100
Strong
🔔
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What this business does
Primary activity: Sale of new cars and light motor vehicles
Sector: Wholesale & retail
ALSO REGISTERED FOR
  • 45112SIC 45112
Investor take
Special-situation opportunity
Distressed automotive with salvageable qualities — special-situations priority.

Opportunity 71/100 (strong), bankability 70/100. Strong seller-intent signal (63/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -87% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · oldest 37.0y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 37.0 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

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, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
95 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review 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 £172,595
Cash draining
Cash down 87% YoY
Cash YoY
-87%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£5k
↓ 87% YoY
Net Worth
£173k
↑ 17% YoY
Current Assets
£1.5m
↑ 7.5% YoY
Current Liabilities
£0£302k£604k£906k£1.2m£1.5mApr 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£257.0k£238.8k
Current assets£1.51M£1.40M
Cash£5.1k£38.5k
Debtors£160.8k£129.3k
Net assets£172.6k£147.5k

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 (20 events)Click to expand
  1. 2026-01-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-04-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-03-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-01-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-06-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-03-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2017-09-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-02-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  11. 2016-02-22
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  12. 2016-01-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-03-23
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2014-06-09
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2014-05-14
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2014-02-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2011-07-19
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  18. 1989-08-08
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  19. 1989-04-28
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  20. 1989-03-03
    🏢
    Company incorporated
    As KLIC CARS LIMITED

Owner dependency

81/100
Critical — business is the founder

The 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 age: Director aged approximately 74 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100
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 74 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 37 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 high ·
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-03-08

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Maria Mccubbin
Individual · United Kingdom · DOB 09/1953 · age 73
2550%
25-50% shares22/02/2017
Mr Keith Andrew Mccubbin
Individual · United Kingdom · DOB 06/1952 · age 74
2550%
25-50% shares22/02/2017

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

9 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
Incorporated1989-03-03
Jurisdictionscotland
Primary SIC45111 — Sale of new cars and light motor vehicles

Registered office

90/94 Annan Road
Dumfries
Dfs & Galloway
DG1 3EQ

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-03-08OVERDUE
Last: 2025-02-22

Officers (3 active · 0 resigned)

MCCUBBIN, Keith Andrew
secretary
View their other companies + combined net worth →
Active
MCCUBBIN, Keith Andrew
director · ~74y
View their other companies + combined net worth →
Active
MCCUBBIN, Maria
director · ~73y
View their other companies + combined net worth →
Active

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

Mortgages & charges

3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property19/07/2011
part-satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property08/08/1989
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property28/04/1989
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (95 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-03-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-02-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-01-31