BEN WYVIS KILTS LIMITED
🌳Matureactive
SC272661 · ltd · incorporated 2004-08-27
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2026
Net worth
£484.1k
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Retail sale of clothing in specialised stores
Sector: Wholesale & retail
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 83/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -82% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 21.3y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 21.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
6 officers (5 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
78 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 declaredPositive net assets
Net assets £484,130
Cash draining
Cash down 82% YoY
Cash YoY
-82%
Year on year
Key financials
3 years extracted from filed iXBRL accountsCash
£9k
↓ 82% YoY
Net Worth
£484k
↑ 21% YoY
Current Assets
£301k
↑ 1.1% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2026-01-31 | 2025-01-31 | 2024-01-31 |
|---|---|---|---|
| Total assets | £596.4k | £564.1k | £524.7k |
| Current assets | £301.4k | £298.1k | £304.6k |
| Cash | £8.9k | £50.4k | £66.0k |
| Debtors | £16.9k | £14.6k | £4.0k |
| Net assets | £484.1k | £400.8k | £394.0k |
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
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
- 2026-05-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-09🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2025-08-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-06📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2024-09-22📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-09-22📄change-person-director-company-with-change-dateofficers · CH01
- 2024-08-19📄memorandum-articlesincorporation · MA
- 2024-08-19📄resolutionresolution · RESOLUTIONS
- 2024-08-19📄capital-name-of-class-of-sharescapital · SH08
- 2024-08-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-07-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-07-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-06-10📄change-person-director-company-with-change-dateofficers · CH01
- 2023-10-03➕MCKENZIE, Amy Leah appointeddirector
- 2023-10-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-06📄change-person-director-company-with-change-dateofficers · CH01
- 2023-09-06📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-09-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-08-24➕ANDERSON, David Macleod appointeddirector
- 2023-07-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-07🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2005-03-04🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2004-08-27🏢Company incorporatedAs BEN WYVIS KILTS LIMITED
- 2004-08-27➕ANDERSON, Christine appointedsecretary
- 2004-08-27➕ALLAN, Valerie Anne appointeddirector
- 2004-08-27➕ANDERSON, Christine appointeddirector
- 2004-08-27➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2004-08-27➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
Owner dependency
73/100
High — earn-out structure requiredMaterial 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 22 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 72 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
40/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFamily succession underway: Not a takeover target — ANDERSON, David Macleod (same surname) appointed 2023-08-24. Pattern consistent with intra-family handover.
- primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- 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 |
|---|---|---|---|---|
Ms Amy Leah Mckenzie Individual · British · DOB 07/1985 · age 41 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 18/07/2024 |
Mr David Macleod Anderson Individual · British · DOB 02/1979 · age 47 | — | — | sig. influencesignificant influence | 19/08/2024 |
2 historic (ceased) PSCs
- Ms Christine Andersonceased 18/07/2024· 25-50% shares · 25-50% voting
- Ms Valerie Anne Allanceased 18/07/2024· 25-50% shares · 25-50% voting · board control · significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Retail · IV postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| DECORA LIMITED→ SC080155 · est 1982 | £956.8k £717.6k–£1.20M | £4.97M | — | 7800 | 43y | 87 | 82y |
| BONK & CO. LIMITED→ SC064104 · est 1978 | — | — | — | 18 | 48y | 83 | 65y |
| INVERNESS GOLF CENTRE LIMITED→ SC187445 · est 1998 | — | — | £293.8k | — | 27y | 83 | 63y |
| PHOENIX FINDHORN C.I.C.→ SC155512 · est 1995 · no financials extracted | — | — | — | — | 31y | 83 | 70y |
| WE FRAME IT LTD.→ SC231494 · est 2002 | — | — | £168.2k | — | 24y | 83 | 64y |
| AC & IC FRASER & SON LIMITED→ SC216589 · est 2001 | — | — | £1.79M | — | 25y | 82 | 75y |
| AVCO INDUSTRIAL SUPPLIES LIMITED→ SC259260 · est 2003 | — | — | £63.6k | — | 22y | 82 | 72y |
| C.D.L.T. MANAGEMENT SERVICES LIMITED→ SC117333 · est 1989 · no financials extracted | — | — | — | — | 37y | 82 | 79y |
| DALLAS DESIGNS LTD→ SC319375 · est 2007 | — | — | — | 500 | 19y | 82 | 65y |
| FARR END ENTERPRISES LTD.→ SC299366 · est 2006 | — | — | — | 200 | 20y | 82 | 66y |
| FRASER BROS LIMITED→ SC241063 · est 2002 | — | — | — | 1700 | 23y | 82 | 68y |
| HIGHLAND HOUSE OF FRASER LIMITED→ SC262923 · est 2004 | — | — | £685.8k | — | 22y | 82 | 79y |
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
Incorporated2004-08-27
Jurisdictionscotland
Primary SIC47710 — Retail sale of clothing in specialised stores
Registered office
43 Church Street
Inverness
IV1 1DR
Scotland
Filing status
Accounts
Next due: 2027-10-31
Last made up to: 2026-01-31
Confirmation statement
Next due: 2026-09-10
Last: 2025-08-27
Officers (5 active · 1 resigned)
ANDERSON, Christine→
Activesecretary · appointed 2004-08-27
View their other companies + combined net worth →
ALLAN, Valerie Anne→
Activedirector · ~65y · appointed 2004-08-27
View their other companies + combined net worth →
ANDERSON, Christine→
Activedirector · ~72y · appointed 2004-08-27
View their other companies + combined net worth →
ANDERSON, David Macleod→
Activedirector · ~47y · appointed 2023-08-24
View their other companies + combined net worth →
MCKENZIE, Amy Leah→
Activedirector · ~41y · appointed 2023-10-03
View their other companies + combined net worth →
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 2004-08-27 · resigned 2004-08-27
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 09/09/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 07/12/2021 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 04/03/2005 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (78 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-26
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-08
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-06
change-sail-address-company-with-old-address-new-address
address · AD02
2024-10-06
change-person-director-company-with-change-date
officers · CH01
2024-09-22
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-09-22
change-person-director-company-with-change-date
officers · CH01
2024-09-22
memorandum-articles
incorporation · MA
2024-08-19
resolution
resolution · RESOLUTIONS
2024-08-19
capital-name-of-class-of-shares
capital · SH08
2024-08-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-14
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-07-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-07-24