454 (STIRLING) LIMITED
Opportunity 45/100 (watch), bankability 72/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
8 live charges · 5 lenders · oldest 34.8y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 34.8 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (59/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Recent activity
- • 1 gazette
- • 1 confirmation-statement
- • 2 gazette
- • 2 officers
- • 2 capital
Corporate timeline (78 events)Click to expand
- 2026-03-24📄gazette-dissolved-voluntarygazette · GAZ2(A)
- 2026-03-24🏁Company dissolved
- 2026-01-06📄gazette-notice-voluntarygazette · GAZ1(A)
- 2025-12-30📄dissolution-application-strike-off-companydissolution · DS01
- 2025-11-26➖CLARK, John Arnold resigneddirector
- 2025-11-26➖HAWTHORNE, Edward resigneddirector
- 2025-11-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-25📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2025-11-07📄legacycapital · SH20
- 2025-11-07⚠️legacyinsolvency · CAP-SS
- 2025-11-07📄resolutionresolution · RESOLUTIONS
- 2025-09-29✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-07-01📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-09-11📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-09-11📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-09-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-12-06📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-12-06📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-12-01➕GRAHAM, James Turner appointeddirector
- 2021-12-01➕CLARK, John Arnold appointeddirector
- 2021-12-01➖MCLEAN, Kenneth John resigneddirector
- 2021-12-01➖WILLIES, Scott resigneddirector
- 2021-12-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-12-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-12-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-12-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-06-07➖HARVEY, Mark William Harold resigneddirector
- 2020-08-24➕HARVEY, Mark William Harold appointeddirector
- 2013-11-19➕THORPE, Stuart Kenneth appointedsecretary
- 2013-11-19➖MCLEAN, Kenneth John resignedsecretary
- 2011-05-27➖KERR, Dugald Ferguson resignedsecretary
- 2011-05-27➕MCLEAN, Kenneth John appointedsecretary
- 2011-05-27➖KERR, Dugald Ferguson resigneddirector
- 2007-12-07🔓Charge satisfied #1
- 2007-10-05🔓Charge satisfied #9
- 2007-10-05🔓Charge satisfied #8
- 2007-10-05🔓Charge satisfied #3
- 2007-08-15➖KERR, Alastair John Watson resignedsecretary
- 2007-08-15➕KERR, Dugald Ferguson appointedsecretary
- 2007-08-15➖GRIEVE, Ian resigneddirector
- 2007-08-15➕HAWTHORNE, Edward appointeddirector
- 2007-08-15➕KERR, Dugald Ferguson appointeddirector
- 2007-08-15➕MCLEAN, Kenneth John appointeddirector
- 2007-08-15➕WILLIES, Scott appointeddirector
- 2007-07-30🔒Charge registered #9Lender: General Motors Acceptance Corporation (UK) PLC
- 2005-01-25🔓Charge satisfied #4
- 2004-11-18🔓Charge satisfied #2
- 2004-11-11🔓Charge satisfied #5
- 2004-07-20➕KERR, Alastair John Watson appointedsecretary
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 35 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
2 high · 3 med ·Company has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2026-03-24
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2025-11-07: legacy
Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: CLARK, John Arnold resigned 2025-11-26; HAWTHORNE, Edward resigned 2025-11-26
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-09-29: certificate-change-of-name-company
Group structure
Arnold Clark Automobiles Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Arnold Clark Automobiles Limited Corporate entity | 75–100% | — | 75-100% shares | 01/12/2021 |
2 historic (ceased) PSCs
- Lady Philomena Butler Clarkceased 01/12/2021· significant influence
- Sir John Arnold Clarkceased 10/04/2017· significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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
Registered office
Filing status
Officers (0 active · 20 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | General Motors Acceptance Corporation (UK) General Motors Acceptance Corporation (UK) PLC | Floating charge | 1 property | 30/07/2007 | 05/10/2007 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 23/02/2001 | 05/10/2007 | |
| satisfied | First National Bank First National Bank PLC | Bond & floating charge | 1 property | 05/01/2000 | 29/11/2003 | |
| satisfied | General Motors Acceptance Corporation (U.K.) Public Company General Motors Acceptance Corporation (U.K.) Public Limited Company | Floating charge | 1 property | 07/10/1992 | 11/11/2004 | |
| satisfied | Vauxhall Motors Vauxhall Motors Limited | Standard security | 1 property | 06/08/1991 | 25/01/2005 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 06/08/1991 | 05/10/2007 | |
| satisfied | Vauxhall Motors Vauxhall Motors Limited | Bond & floating charge | 1 property | 28/06/1991 | 18/11/2004 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 28/06/1991 | 07/12/2007 |