JAMES CRAMOND LIMITED
🌳Matureactive
SC248481 · ltd · incorporated 2003-04-28
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 21.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Agents selling agricultural raw materials, live animals, textile raw materials and semi-finished goods
Sector: Wholesale & retail
ALSO REGISTERED FOR
- 46190Agents involved in the sale of a variety of goods
- 47520Retail sale of hardware, paints and glass in specialised stores
Investor take
PursueActive trading company with a 74-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 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
1 live charge · oldest 21.3y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 21.3 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 (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 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
4 officers (3 active, 4 linked, 2 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
53 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 2 | 200 |
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 accounts
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2025-12-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-09-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-09-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-11-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-07-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-12-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-01-17📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-06-08📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-11-26📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-06-02📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-11-03📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2004-12-29🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2003-04-28🏢Company incorporatedAs JAMES CRAMOND LIMITED
- 2003-04-28➕RAMSAY, Ann Baxter appointedsecretary
- 2003-04-28➕RAMSAY, Albert James Mearns appointeddirector
- 2003-04-28➕RAMSAY, Ann Baxter appointeddirector
- 2003-04-28➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2003-04-28➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
Owner dependency
91/100
Critical — business is the founderThe 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.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 74 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
96/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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
cleanNo 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 |
|---|---|---|---|---|
Mrs Ann Baxter Ramsay Individual · British · DOB 10/1954 · age 72 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mr Albert James Mearns Ramsay Individual · British · DOB 09/1952 · age 74 | 25–50% | — | 25-50% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
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|---|---|---|---|---|---|---|---|
| ELECTRIC BIKES SCOTLAND LIMITED→ SC451414 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| EPMH LIMITED→ SC214323 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
| FRUNCHII LTD→ SC840402 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| JOHN D FORREST LIMITED→ SC580484 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| K L PROJECTS ( SCOTLAND ) LIMITED→ SC777188 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| KCEL LTD→ SC836968 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| LARGO MG LTD→ SC841828 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| LFAJ LTD→ SC844252 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| MACLAVIC GROUP LIMITED→ SC869866 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MARK GUILD OILS LIMITED→ SC142101 · est 1993 · no financials extracted | — | — | — | — | 33y | — | — |
| MAX DESIGN AGENTS LIMITED→ SC775065 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| MB95 LIMITED→ SC615744 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2003-04-28
Jurisdictionscotland
Primary SIC46110 — Agents selling agricultural raw materials, live animals, textile raw materials and semi-finished goods
Registered office
92 North Street
Forfar
DD8 3BN
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-05-12
Last: 2025-04-28
Officers (3 active · 1 resigned)
RAMSAY, Ann Baxter→
Activesecretary · appointed 2003-04-28
View their other companies + combined net worth →
RAMSAY, Albert James Mearns→
Activedirector · ~74y · appointed 2003-04-28
View their other companies + combined net worth →
RAMSAY, Ann Baxter→
Activedirector · ~72y · appointed 2003-04-28
View their other companies + combined net worth →
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 2003-04-28 · resigned 2003-04-28
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 29/12/2004 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (53 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-20
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-07
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-10
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-06
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-29
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-09-26
accounts-with-accounts-type-micro-entity
accounts · AA
2019-09-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-06-10