CREAGORRY MOTORS LIMITED

🌳Matureactive
SC238879 · ltd · incorporated 2002-10-30
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
—
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Turnover
—
year to Oct 2024
Net worth
£1.60M
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pursue
Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 57/100. Strong seller-intent signal (63/100, director aged 68). 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 23.2y

35/100
too messy

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

  • · Oldest live charge is 23.2 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: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
7 officers (5 active, 7 linked, 5 with DOB)
84
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
69 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 £1,599,180
Cash YoY
-14%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£384k
↓ 14% YoY
Net Worth
£1.6m
↑ 24% YoY
Current Assets
£1.1m
~ YoY
Current Liabilities
—
£0£320k£640k£960k£1.3m£1.6mOct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-10-312023-10-31
Total assets£1.63M£1.29M
Current assets£1.06M£1.06M
Cash£384.4k£448.2k
Debtors£631.3k£569.8k
Net assets£1.60M£1.29M

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 (29 events)Click to expand
  1. 2025-01-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2024-01-24
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2023-08-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2022-08-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2022-01-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2022-01-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2022-01-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2022-01-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  9. 2021-07-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-04-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2020-10-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-07-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-07-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-07-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-03-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2012-05-17
    ➕
    MACDONALD, George Neil appointed
    director
  17. 2012-05-17
    ➕
    MACDONALD, Katherine Anne appointed
    director
  18. 2011-12-15
    🔒
    Charge registered #4
    Lender: Lloyds Tsb Commercial Finance Limited
  19. 2011-10-11
    🔒
    Charge registered #3
    Lender: Bank of Scotland PLC
  20. 2006-10-10
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  21. 2003-03-07
    ➖
    MACDONALD, John Archie resigned
    director
  22. 2003-02-17
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  23. 2002-10-30
    🏢
    Company incorporated
    As CREAGORRY MOTORS LIMITED
  24. 2002-10-30
    ➕
    MACDONALD, Effie appointed
    secretary
  25. 2002-10-30
    ➕
    MACDONALD, Effie appointed
    director
  26. 2002-10-30
    ➕
    MACDONALD, Neil Lachlan appointed
    director
  27. 2002-10-30
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  28. 2002-10-30
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  29. 2002-10-30
    ➕
    MACDONALD, John Archie appointed
    director

Owner dependency

73/100
High — earn-out structure required

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

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 68 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100
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 68. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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
NameSharesVoting rightsNature of controlNotified
Mrs Effie Macdonald
Individual · British · DOB 10/1958 · age 68
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
Mr Neil Lachlan Macdonald
Individual · British · DOB 08/1960 · age 66
25–50%
25–50%board control25-50% shares · 25-50% 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

8 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
Incorporated2002-10-30
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

The Garage
Balivanich
Western Isles
HS7 5LL

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-11-08
Last: 2025-10-25

Officers (5 active · 2 resigned)

MACDONALD, Effie→
secretary · appointed 2002-10-30
View their other companies + combined net worth →
Active
MACDONALD, Effie→
director · ~68y · appointed 2002-10-30
View their other companies + combined net worth →
Active
MACDONALD, George Neil→
director · ~43y · appointed 2012-05-17
View their other companies + combined net worth →
Active
MACDONALD, Katherine Anne→
director · ~40y · appointed 2012-05-17
View their other companies + combined net worth →
Active
MACDONALD, Neil Lachlan→
director · ~66y · appointed 2002-10-30
View their other companies + combined net worth →
Active
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2002-10-30 · resigned 2002-10-30
Resigned
MACDONALD, John Archie→
director · ~66y · appointed 2002-10-30 · resigned 2003-03-07
Resigned

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

Mortgages & charges

4
Total charges
4
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Lloyds Banking Group
Lloyds Tsb Commercial Finance Limited
Bond & floating charge1 property15/12/2011—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
Standard security1 property11/10/2011—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property10/10/2006—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property17/02/2003—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (69 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-01-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-01-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-28
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-08-29
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-01
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-08-30
change-person-director-company-with-change-date
officers · CH01
2022-01-11
change-person-director-company-with-change-date
officers · CH01
2022-01-11
change-person-director-company-with-change-date
officers · CH01
2022-01-11
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-01-11
confirmation-statement-with-updates
confirmation-statement · CS01
2021-11-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-29
change-person-director-company-with-change-date
officers · CH01
2021-04-26