MORAY FIRTH MOTORS LTD.

🌳Matureactive
SC243924 · ltd · incorporated 2003-02-14
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 21.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£15.0k
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: SIC 45200
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

1 live charge · oldest 21.8y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 21.8 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
9 officers (2 active, 9 linked, 5 with DOB)
81
Ownership & PSC
2 active PSC(s) of 6 total, 6 with control declared
90
Director network
Network not yet resolved
30
Filing history
85 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
82
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 £15,030

Key financials

1 year extracted from filed iXBRL accounts
Cash
£5k
Net Worth
£15k
Current Assets
£25k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-30
Total assets£19.3k
Current assets£24.7k
Cash£4.9k
Debtors£18.4k
Net assets£15.0k

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
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Last 180 days
4
filings
  • • 2 address
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
  1. 2026-03-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-10-31
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-10-29
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-10-01
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  5. 2025-09-30
    ➖
    FRASER, James David resigned
    director
  6. 2025-09-30
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2025-09-30
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2025-09-30
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  9. 2025-09-30
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  10. 2025-09-19
    ➕
    DOHERTY, Harpreet Kaur appointed
    director
  11. 2025-09-19
    ➕
    DOHERTY, Peter Daniel appointed
    director
  12. 2025-09-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2025-09-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2025-09-08
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  15. 2025-09-08
    🔓
    Charge satisfied #1
  16. 2025-08-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2024-08-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2024-01-31
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2024-01-31
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  20. 2024-01-31
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  21. 2024-01-26
    ➖
    FRASER, Louise Mackenzie resigned
    secretary
  22. 2023-10-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2022-10-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2022-09-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  25. 2022-02-15
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  26. 2021-03-03
    ➕
    FRASER, Louise Mackenzie appointed
    secretary
  27. 2021-02-26
    ➖
    FRASER, William resigned
    secretary
  28. 2021-02-26
    ➖
    FRASER, Shona Marie resigned
    director
  29. 2021-02-26
    ➖
    FRASER, William resigned
    director
  30. 2014-02-04
    ➕
    FRASER, Shona Marie appointed
    director
  31. 2004-06-25
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  32. 2003-02-14
    🏢
    Company incorporated
    As MORAY FIRTH MOTORS LTD.
  33. 2003-02-14
    ➕
    FRASER, William appointed
    secretary
  34. 2003-02-14
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  35. 2003-02-14
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  36. 2003-02-14
    ➕
    FRASER, James David appointed
    director
  37. 2003-02-14
    ➕
    FRASER, William appointed
    director
  38. 2003-02-14
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  39. 2003-02-14
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

66/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Harpreet Kaur Doherty
Individual · British · DOB 02/1982 · age 44
50–75%
50–75%50-75% shares · 50-75% voting30/09/2025
Mr Peter Daniel Doherty
Individual · British · DOB 03/1980 · age 46
25–50%
25–50%25-50% shares · 25-50% voting30/09/2025
4 historic (ceased) PSCs
  • Mr James David Fraserceased 30/09/2025· 75-100% shares · 75-100% voting
  • Mrs Louise Mackenzie Fraserceased 26/01/2024· 25-50% shares · 25-50% voting
  • Mrs Shona Marie Fraserceased 26/02/2021· 25-50% shares · 25-50% voting
  • Mr William Fraserceased 26/02/2021· 25-50% shares · 25-50% voting

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Automotive · IV postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
HIGHLAND MOTOR PARTS LIMITED→
SC228871 · est 2002
£9.39M
£7.51M–£11.26M
——7524y8864y
DONALD MACKENZIE LIMITED→
SC058445 · est 1975
£1.06M
£847.9k–£1.27M
——520050y8768y
CULLODEN CAR SALES LTD.→
SC222206 · est 2001
——£2.10M—24y8358y
SEVILLE 2011 LIMITED→
SC389852 · est 2010
——£83.0k—15y8358y
SGM CARS LTD→
SC384911 · est 2010 · no financials extracted
————15y8359y
AUTOCARE (INVERNESS) LIMITED→
SC203216 · est 2000
——£178.1k—26y8265y
DANZAN LIMITED→
SC248100 · est 2003
———223y8272y
DINGWALL PANEL BEATERS LIMITED→
SC214001 · est 2000
——£108.0k—25y8262y
DUNLOPS MOTOR FACTORS (HIGHLAND) LTD.→
SC216519 · est 2001
——£86.9k—25y8272y
EWEN MACRAE(WEST END GARAGE)LIMITED→
SC060381 · est 1976
——£1.84M—49y8280y
FLEET MANAGEMENT SERVICES (UK) LIMITED→
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——£122.5k—22y8264y
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
Incorporated2003-02-14
Jurisdictionscotland
Primary SIC45200 — SIC 45200

Registered office

32 Harbour Road
Inverness
IV1 1UF
Scotland

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-02-28
Last: 2026-02-14

Officers (2 active · 7 resigned)

DOHERTY, Harpreet Kaur→
director · ~44y · appointed 2025-09-19
View their other companies + combined net worth →
Active
DOHERTY, Peter Daniel→
director · ~46y · appointed 2025-09-19
View their other companies + combined net worth →
Active
FRASER, Louise Mackenzie→
secretary · appointed 2021-03-03 · resigned 2024-01-26
Resigned
FRASER, William→
secretary · appointed 2003-02-14 · resigned 2021-02-26
Resigned
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2003-02-14 · resigned 2003-02-14
Resigned
FRASER, James David→
director · ~58y · appointed 2003-02-14 · resigned 2025-09-30
Resigned
FRASER, Shona Marie→
director · ~76y · appointed 2014-02-04 · resigned 2021-02-26
Resigned
FRASER, William→
director · ~79y · appointed 2003-02-14 · resigned 2021-02-26
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2003-02-14 · resigned 2003-02-14
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
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property25/06/200408/09/2025

Recent filings (85 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-12
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-31
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-29
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-10-01
termination-director-company-with-name-termination-date
officers · TM01
2025-09-30
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-09-30
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-09-30
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-09-30
appoint-person-director-company-with-name-date
officers · AP01
2025-09-19
appoint-person-director-company-with-name-date
officers · AP01
2025-09-19
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-04
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-12