ARGYLL FM LIMITED
- · Oldest live charge 25.4y old — refinance window within 12 months
Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 77). 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: strategic trade sale (73/100).
Refinance opportunity
1 live charge · oldest 25.4y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 25.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (73/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 500 | 500 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
Corporate timeline (54 events)Click to expand
- 2025-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-15📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2023-08-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-21📄resolutionresolution · RESOLUTIONS
- 2023-03-20📄memorandum-articlesincorporation · MA
- 2023-03-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-05➕GEORGE, Callum David appointeddirector
- 2023-03-05➕GORMAN, Alistair Robert appointeddirector
- 2022-08-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-11-26➖EDWARDS, Yvonne resigneddirector
- 2020-11-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-08-26➖OXBORROW, Trevor James resigneddirector
- 2014-12-01➕OXBORROW, Trevor James appointeddirector
- 2008-09-09➕MIDDLETON, Colin John appointedsecretary
- 2008-09-09➖C & D MACTAGGART resignedcorporate-secretary
- 2008-01-01➖HENDERSON, Iain resigneddirector
- 2004-06-01➖BARRATT, Margaret Skiverton resigneddirector
- 2003-08-12➖ANDERSON, Ann resigneddirector
- 2003-08-12➕EDWARDS, Yvonne appointeddirector
- 2003-08-12➖SHAW, Morris Mcnair resigneddirector
- 2001-06-21➕JOHNSON, Kenneth appointeddirector
- 2001-03-15➕ARMOUR, John appointeddirector
- 2001-03-15➕BARRATT, Margaret Skiverton appointeddirector
- 2000-12-07🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2000-09-21➕SHAW, Morris Mcnair appointeddirector
- 2000-07-31➖CAMPBELL, John Anthony resigneddirector
- 2000-07-03➖MCINTYRE, Daniel Archibald Gilchrist resigneddirector
- 2000-03-06➖JOHNSON, Kenneth resigneddirector
- 2000-03-06➖SHAW, Morris Mcnair resigneddirector
- 1999-03-18➕MCINTYRE, Daniel Archibald Gilchrist appointeddirector
- 1998-06-02➖LAFFERTY, Archibald Mckay resigneddirector
- 1998-02-13➖KELLY, George Alexander resigneddirector
- 1998-02-12➕JOHNSON, Kenneth appointeddirector
- 1998-02-12➕LAFFERTY, Archibald Mckay appointeddirector
- 1998-02-12➕SHAW, Morris Mcnair appointeddirector
- 1997-11-17➖WESTERMAN, Jacqueline Ann resigneddirector
- 1997-06-10➖DEWAR, Richard Colville resigneddirector
- 1997-02-06➕ANDERSON, Ann appointeddirector
- 1997-02-06➕KELLY, George Alexander appointeddirector
- 1997-02-06➕WESTERMAN, Jacqueline Ann appointeddirector
- 1995-11-30➕MIDDLETON, Colin John appointeddirector
- 1995-11-30➖KELLY, George Alexander resignedsecretary
- 1995-11-30➕C & D MACTAGGART appointedcorporate-secretary
- 1995-11-30➕HENDERSON, Iain appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 77 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 31 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
cleanRadial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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 (6 active · 16 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 07/12/2000 | — |