BREAKING POINT LIMITED
🌳Matureactive
SC167411 · ltd · incorporated 1996-07-31
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 27.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£22.6k
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: SIC 45400
Sector: Wholesale & retail
Investor take
PursueActive trading company with a 61-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 61). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 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
2 live charges · oldest 27.7y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 27.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (76/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 2 with DOB)
76
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
79 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £22,576
Net assets shrinking
Down £728 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£23k
↓ 3.1% YoY
Current Assets
£471
↓ 87% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £27.3k | £31.0k |
| Current assets | £471 | £3.7k |
| Net assets | £22.6k | £23.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2026-03-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-04-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-02📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-05-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-31📄gazette-filings-brought-up-to-dategazette · DISS40
- 2021-07-22📄dissolved-compulsory-strike-off-suspendeddissolution · DISS16(SOAS)
- 2021-06-29📄gazette-notice-compulsorygazette · GAZ1
- 2020-05-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-04-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-04-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-05-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2009-08-01➕HALL, Derek appointedsecretary
- 2009-07-31➖SPENCE, Georgina resignedsecretary
- 1999-08-01➕SPENCE, Georgina appointedsecretary
- 1999-07-31➖RITCHIE, Gerald Ian Harvey resignedsecretary
- 1998-08-24🔒Charge registered #2Lender: Clydesdale Bank Public Limited Company
- 1998-08-14🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 1996-08-09➕COWIE, Derek John appointeddirector
- 1996-08-09➕PEEBLES, George Edward appointeddirector
- 1996-08-09➖KEITH, John Leonard resignedsecretary
- 1996-08-09➕RITCHIE, Gerald Ian Harvey appointedsecretary
- 1996-08-09➖PROFESSIONAL FORMATIONS & SEARCHES LTD resignedcorporate-director
- 1996-07-31🏢Company incorporatedAs BREAKING POINT LIMITED
- 1996-07-31➕KEITH, John Leonard appointedsecretary
- 1996-07-31➕PROFESSIONAL FORMATIONS & SEARCHES LTD appointedcorporate-director
Owner dependency
76/100
High — earn-out structure requiredMaterial 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.
- +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Derek John Cowie Individual · British · DOB 06/1965 · age 61 | — | — | sig. influencesignificant influence | 01/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| AUTO LOUNGE MOT & SERVICE CENTRE LIMITED→ SC865778 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AUTOMASTERS INVERURIE LTD→ SC570730 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AUTOVATION LTD→ SC734034 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BIC MOBILE CAR WASH LTD→ SC836611 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BLACKBURN GARAGE LIMITED→ SC455822 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| BOTHIEBRIG GARAGE SERVICES LIMITED→ SC625563 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| BRIAN HENDERSON CAR SALES LTD→ SC745274 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BRICKFIELD MOTORS LTD.→ SC264264 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| BRUCKLAY GARAGE LTD.→ SC378787 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| BUSINESS DEVELOPMENT MANAGEMENT CONSULTANCY LTD→ SC843363 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| C & D AUTOS LIMITED→ SC499725 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| CADGER'S GARAGES LTD.→ SC240132 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated1996-07-31
Jurisdictionscotland
Primary SIC45400 — SIC 45400
Registered office
10 Cabels Lane
Torry
Aberdeen
AB11 9AD
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-08-09
Last: 2025-07-26
Officers (3 active · 4 resigned)
Active
COWIE, Derek John→
Activedirector · ~61y · appointed 1996-08-09
View their other companies + combined net worth →
PEEBLES, George Edward→
Activedirector · ~61y · appointed 1996-08-09
View their other companies + combined net worth →
KEITH, John Leonard→
Resignedsecretary · appointed 1996-07-31 · resigned 1996-08-09
RITCHIE, Gerald Ian Harvey→
Resignedsecretary · appointed 1996-08-09 · resigned 1999-07-31
SPENCE, Georgina→
Resignedsecretary · appointed 1999-08-01 · resigned 2009-07-31
PROFESSIONAL FORMATIONS & SEARCHES LTD→
Resignedcorporate-director · appointed 1996-07-31 · resigned 1996-08-09
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 24/08/1998 | — | |
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 14/08/1998 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (79 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-31
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-29
change-person-secretary-company-with-change-date
officers · CH03
2024-05-02
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-29
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-26
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-29
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-27
gazette-filings-brought-up-to-date
gazette · DISS40
2021-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-30
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2021-07-22
gazette-notice-compulsory
gazette · GAZ1
2021-06-29