CARA CONSULTANTS LTD.

🌳Matureactive
SC214972 · ltd · incorporated 2001-01-22
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
Upgrade to see
Turnover
year to Mar 2025
Net worth
£3.2k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Management consultancy activities other than financial management
Sector: Professional, scientific & technical
Investor take
Pursue
Asset-holding vehicle with a 81-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (63/100, director aged 81). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 25.1y

45/100
under pressure

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

  • · Oldest live charge is 25.1 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 (69/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
11 officers (7 active, 11 linked, 7 with DOB)
83
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
Network not yet resolved
30
Filing history
75 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 declared
Positive net assets
Net assets £3,221
Cash YoY
-22%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£8k
↓ 22% YoY
Net Worth
£3k
↑ 2.0% YoY
Current Assets
£51k
↓ 5.3% YoY
Current Liabilities
£0£11k£21k£32k£43k£53kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£3.2k£3.2k
Current assets£50.6k£53.4k
Cash£8.0k£10.3k
Debtors£42.6k£43.1k
Net assets£3.2k£3.2k

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 (33 events)Click to expand
  1. 2025-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-08-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-11-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2023-11-14
    🔓
    Charge satisfied #1
  5. 2023-08-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-09-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-07-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-03-19
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2021-03-19
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  10. 2021-01-05
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2020-10-17
    JAMIESON, William Stewart, Dr resigned
    director
  12. 2020-08-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-09-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-11-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-12-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2016-12-21
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2016-01-05
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  18. 2015-04-01
    BEGG, Robert Anderson appointed
    director
  19. 2001-03-08
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  20. 2001-02-20
    COX, Ronald Wellwood appointed
    director
  21. 2001-02-20
    FORSYTH, Alexander John appointed
    director
  22. 2001-02-20
    MARSHALL, Janet Forrest Muir appointed
    director
  23. 2001-02-20
    ROME, John appointed
    director
  24. 2001-01-22
    🏢
    Company incorporated
    As CARA CONSULTANTS LTD.
  25. 2001-01-22
    STANNETT, Alan Edward appointed
    secretary
  26. 2001-01-22
    STANNETT, Alan Edward appointed
    director
  27. 2001-01-22
    COMBINED SECRETARIAL SERVICES LIMITED appointed
    corporate-nominee-secretary
  28. 2001-01-22
    COMBINED SECRETARIAL SERVICES LIMITED resigned
    corporate-nominee-secretary
  29. 2001-01-22
    JAMIESON, William Stewart, Dr appointed
    director
  30. 2001-01-22
    COMBINED NOMINEES LIMITED appointed
    corporate-nominee-director
  31. 2001-01-22
    COMBINED NOMINEES LIMITED resigned
    corporate-nominee-director
  32. 2001-01-22
    COMBINED SECRETARIAL SERVICES LIMITED appointed
    corporate-nominee-director
  33. 2001-01-22
    COMBINED SECRETARIAL SERVICES LIMITED resigned
    corporate-nominee-director

Owner dependency

65/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -6 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 81 — succession pressure is live.

Succession & seller-readiness

90/100
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 81 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

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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
Incorporated2001-01-22
Jurisdictionscotland
Primary SIC70229 — Management consultancy activities other than financial management

Registered office

C/O Farries Kirk & Mcvean
Dumfries Enterprise Park
Heathhall
Dumfries Dumfriesshire
DG1 3SJ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-17
Last: 2026-01-03

Officers (7 active · 4 resigned)

STANNETT, Alan Edward
secretary · appointed 2001-01-22
View their other companies + combined net worth →
Active
BEGG, Robert Anderson
director · ~50y · appointed 2015-04-01
View their other companies + combined net worth →
Active
COX, Ronald Wellwood
director · ~78y · appointed 2001-02-20
View their other companies + combined net worth →
Active
FORSYTH, Alexander John
director · ~80y · appointed 2001-02-20
View their other companies + combined net worth →
Active
MARSHALL, Janet Forrest Muir
director · ~78y · appointed 2001-02-20
View their other companies + combined net worth →
Active
ROME, John
director · ~81y · appointed 2001-02-20
View their other companies + combined net worth →
Active
STANNETT, Alan Edward
director · ~77y · appointed 2001-01-22
View their other companies + combined net worth →
Active
COMBINED SECRETARIAL SERVICES LIMITED
corporate-nominee-secretary · appointed 2001-01-22 · resigned 2001-01-22
Resigned
JAMIESON, William Stewart, Dr
director · ~77y · appointed 2001-01-22 · resigned 2020-10-17
Resigned
COMBINED NOMINEES LIMITED
corporate-nominee-director · appointed 2001-01-22 · resigned 2001-01-22
Resigned
COMBINED SECRETARIAL SERVICES LIMITED
corporate-nominee-director · appointed 2001-01-22 · resigned 2001-01-22
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property08/03/200114/11/2023

Recent filings (75 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-16
mortgage-satisfy-charge-full
mortgage · MR04
2023-11-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-10
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-22
change-person-director-company-with-change-date
officers · CH01
2021-03-19
change-person-secretary-company-with-change-date
officers · CH03
2021-03-19
confirmation-statement-with-updates
confirmation-statement · CS01
2021-01-05
termination-director-company-with-name-termination-date
officers · TM01
2021-01-05