HOWIE IRVINE LIMITED

🌳Matureactive

SC224909 · ltd · incorporated 2001-11-02

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

£513.9k

book net assets

Opportunity

82/100

Exceptional

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What this business does

Based in Banchory, Scotland, this small active company most likely operates some form of sports or recreational activity — possibly coaching, instruction, or personal training — with the individual's name suggesting a sole-founder-led venture in the Scottish sporting or outdoor leisure sector.

Primary activity: Other sports activities

Sector: Arts, entertainment & recreation

Investor take

Pursue

Active trading company with a 63-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 67/100. Strong seller-intent signal (70/100, director aged 63). 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 (65/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 23.5y

35/100

too messy

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

· Oldest live charge is 23.5 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 (78/100)

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

Lenders & charges

4 charges (4/4 with lender, 4/4 with type)

Directors & officers

5 officers (3 active, 5 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

65 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £513,892

Cash YoY

+0%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£153

~ YoY

Net Worth

£514k

↑ 8.8% YoY

Current Assets

£49k

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31
Total assets	£589.1k	—
Current assets	£49.3k	—
Cash	£153	£153
Debtors	£48.6k	—
Net assets	£513.9k	£472.2k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (28 events)Click to expand

2025-12-02
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-19
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-20
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-22
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-15
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-12-21
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-12-21
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-12-20
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accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-05-05
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mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2016-04-20
🔒
Charge registered #4
Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
2015-12-21
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accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-11-24
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-12-31
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accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-11-27
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annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2011-05-11
🔒
Charge registered #3
Lender: Clydesdale Bank PLC
2009-11-19
🔓
Charge satisfied #1
2009-05-14
🔒
Charge registered #2
Lender: Clydesdale Bank PLC
2002-12-09
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Charge registered #1
Lender: The Governor and Company of the Bank of Scotland
2002-03-06
➕
HOWIE, Margaret appointed
secretary
2002-03-06
➕
HOWIE, Kenneth Gilbert appointed
director
2002-03-06
➕
HOWIE, Margaret appointed
director
2002-03-06
➖
P & W SECRETARIES LIMITED resigned
corporate-nominee-secretary
2002-03-06
➖
P & W DIRECTORS LIMITED resigned
corporate-nominee-director
2001-11-02
🏢
Company incorporated
As HOWIE IRVINE LIMITED
2001-11-02
➕
P & W SECRETARIES LIMITED appointed
corporate-nominee-secretary
2001-11-02
➕
P & W DIRECTORS LIMITED appointed
corporate-nominee-director

Owner dependency

99/100

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 "HOWIE" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 63 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 24 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.)

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Kenneth Gilbert Howie Individual · British · DOB 03/1963 · age 63	25–50%	—	25-50% shares · firm interest	07/04/2016
Mrs Margaret Howie Individual · British · DOB 04/1964 · age 62	25–50%	—	25-50% shares	07/04/2016

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 →

Similar companies

Active · Leisure & entertainment · AB postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
JOHN CODONA'S PLEASURE FAIRS LIMITED→ SC022655 · est 1944	£172.2k £133.9k–£210.4k	£7.30M	—	20400	82y	87	80y
BANKS O'DEE SPORTS CLUB LIMITED→ SC175110 · est 1997 · no financials extracted	—	—	—	—	29y	83	79y
CLATT AULD KIRK→ SC161856 · est 1995 · no financials extracted	—	—	—	—	30y	83	71y
DEESIDE GLIDING CLUB (ABERDEENSHIRE) LIMITED→ SC034867 · est 1960	—	—	£755.2k	—	66y	83	77y
GLENSHEE LIMITED→ SC269348 · est 2004	—	—	£625.3k	—	21y	83	71y
KEITH FOOTBALL CLUB LTD.→ SC271946 · est 2004	—	—	—	0	21y	83	71y
PEACOCK VISUAL ARTS LIMITED→ SC056235 · est 1974 · no financials extracted	—	—	—	—	51y	83	80y
PETERHEAD FOOTBALL CLUB LIMITED→ SC146014 · est 1993 · no financials extracted	—	—	—	—	32y	83	78y
THE KEITH & DISTRICT SPORTS TRUST→ SC141101 · est 1992 · no financials extracted	—	—	—	—	33y	83	81y
ARDOYNE PERFORMANCE LIMITED→ SC308365 · est 2006	—	—	—	0	19y	82	63y
GRAMPIAN GOLF & LEISURE ASSOCIATES LIMITED→ SC093558 · est 1985 · no financials extracted	—	—	—	—	40y	82	77y
HL JONES & SONS LIMITED→ SC254132 · est 2003	—	—	£31.1k	—	22y	82	66y

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

Incorporated2001-11-02

Jurisdictionscotland

Primary SIC93199 — Other sports activities

Registered office

Cairnton

Lumphanan

Banchory

Kincardineshire

AB31 4QP

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-11-16

Last: 2025-11-02

Officers (3 active · 2 resigned)

HOWIE, Margaret→

secretary · appointed 2002-03-06

View their other companies + combined net worth →

Active

HOWIE, Kenneth Gilbert→

director · ~63y · appointed 2002-03-06

View their other companies + combined net worth →

Active

HOWIE, Margaret→

director · ~62y · appointed 2002-03-06

View their other companies + combined net worth →

Active

P & W SECRETARIES LIMITED→

corporate-nominee-secretary · appointed 2001-11-02 · resigned 2002-03-06

Resigned

P & W DIRECTORS LIMITED→

corporate-nominee-director · appointed 2001-11-02 · resigned 2002-03-06

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:4 of 4 shown

		Type	Properties
outstanding	Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)	A registered charge	—	20/04/2016	—
outstanding	Virgin Money Clydesdale Bank PLC	Standard security	1 property	11/05/2011	—
outstanding	Virgin Money Clydesdale Bank PLC	Floating charge	1 property	14/05/2009	—
satisfied	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Bond & floating charge	1 property	09/12/2002	19/11/2009

Click column headers to sort. Use filters above to narrow by status and lender.