ANGUS CAMPBELL LTD.

🌳Matureactive
SC162315 · ltd · incorporated 1995-12-20
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£1.03M
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Retail sale of automotive fuel in specialised stores
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (93/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 30.1y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 30.1 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — 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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
80 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
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
Positive net assets
Net assets £1,032,459
Net assets shrinking
Down £15,916 YoY
Cash YoY
-10%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£356k
↓ 9.7% YoY
Net Worth
£1.0m
↓ 1.5% YoY
Current Assets
£885k
↓ 3.4% YoY
Current Liabilities
—
£0£210k£419k£629k£839k£1.0mJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-01-312024-01-31
Total assets£1.09M£1.11M
Current assets£885.2k£916.5k
Cash£355.7k£394.1k
Debtors£343.3k£360.5k
Net assets£1.03M£1.05M

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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2025-09-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-07-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-07-13
    ➕
    GRAHAM, Joanna appointed
    director
  5. 2022-07-13
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2022-05-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-08-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-01-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-01-16
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2020-01-16
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2020-01-16
    🔓
    Charge satisfied #5
  12. 2020-01-16
    🔓
    Charge satisfied #4
  13. 2019-12-09
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2019-12-09
    🔓
    Charge satisfied #2
  15. 2019-10-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2019-03-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2018-08-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2017-11-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2016-07-14
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  20. 2014-01-10
    🔒
    Charge registered #5
    Lender: Bank of Scotland PLC
  21. 2014-01-10
    🔒
    Charge registered #4
    Lender: Bank of Scotland PLC
  22. 2013-12-06
    ➖
    CAMPBELL, Joan resigned
    secretary
  23. 2006-09-01
    🔒
    Charge registered #3
    Lender: S. & J.D. Robertson Property Limited
  24. 1996-02-27
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  25. 1995-12-20
    🏢
    Company incorporated
    As ANGUS CAMPBELL LTD.
  26. 1995-12-20
    ➕
    CAMPBELL, Angus appointed
    director
  27. 1995-12-20
    ➕
    CAMPBELL, Joan appointed
    secretary
  28. 1995-12-20
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  29. 1995-12-20
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  30. 1995-12-20
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director
  31. 1995-12-20
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    corporate-nominee-director

Owner dependency

98/100
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 name in company name: Company name contains director surname "CAMPBELL" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 70 — succession pressure is live.

Succession & seller-readiness

96/100
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 70 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 30 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

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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Angus Campbell
Individual · Scottish · DOB 05/1956 · age 70
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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
Incorporated1995-12-20
Jurisdictionscotland
Primary SIC47300 — Retail sale of automotive fuel in specialised stores

Registered office

Cannery Road
Stornoway
Isle Of Lewis
HS1 2SF
Scotland

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-01-03
Last: 2025-12-20

Officers (2 active · 3 resigned)

CAMPBELL, Angus→
director · ~70y · appointed 1995-12-20
View their other companies + combined net worth →
Active
GRAHAM, Joanna→
director · ~38y · appointed 2022-07-13
View their other companies + combined net worth →
Active
CAMPBELL, Joan→
secretary · appointed 1995-12-20 · resigned 2013-12-06
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 1995-12-20 · resigned 1995-12-20
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-nominee-director · appointed 1995-12-20 · resigned 1995-12-20
Resigned

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

Mortgages & charges

4
Total charges
1
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property10/01/201416/01/2020
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property10/01/201416/01/2020
outstanding
S. & J.D. Robertson Property
S. & J.D. Robertson Property Limited
Standard security1 property01/09/2006—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property27/02/199609/12/2019
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (80 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-05
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-05
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-23
appoint-person-director-company-with-name-date
officers · AP01
2022-07-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-28
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-29
mortgage-satisfy-charge-full
mortgage · MR04
2020-01-16
mortgage-satisfy-charge-full
mortgage · MR04
2020-01-16