BALMORAL GROUP HOLDINGS LIMITED
🌳Matureactive
SC277480 · ltd · incorporated 2004-12-15
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 20.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Activities of production holding companies
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 86-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (63/100, director aged 86). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
1 live charge · oldest 20.9y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 20.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (61/100)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
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
9 officers (7 active, 9 linked, 6 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
19 connected companies via shared directors
90
Filing history
70 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.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
- 2026-01-06📄accounts-with-accounts-type-groupaccounts · AA
- 2025-01-14📄accounts-with-accounts-type-groupaccounts · AA
- 2024-07-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-01➕HOGG, Sarah-Jane appointeddirector
- 2024-01-05📄accounts-with-accounts-type-groupaccounts · AA
- 2023-04-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-29➕MITCHELL, Paul Watt appointeddirector
- 2023-01-05📄accounts-with-accounts-type-groupaccounts · AA
- 2022-09-21📄memorandum-articlesincorporation · MA
- 2022-09-21📄resolutionresolution · RESOLUTIONS
- 2022-09-21📄capital-name-of-class-of-sharescapital · SH08
- 2022-09-21📄capital-name-of-class-of-sharescapital · SH08
- 2022-03-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-03-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-12-23📄accounts-with-accounts-type-groupaccounts · AA
- 2020-12-24📄accounts-with-accounts-type-groupaccounts · AA
- 2020-01-08📄accounts-with-accounts-type-groupaccounts · AA
- 2019-01-04📄accounts-with-accounts-type-groupaccounts · AA
- 2018-09-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-09-10➕BINNIE, Kevin Wood appointeddirector
- 2011-06-14🔓Charge satisfied #1
- 2011-01-19➕GERRARD, Gary James appointeddirector
- 2005-05-19🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2005-03-23➕LOWDEN, Julie Thain appointedsecretary
- 2005-03-23➕MAIN, William Edwards appointeddirector
- 2005-03-23➕MILNE, James Smith appointeddirector
- 2005-03-23➖D.W. COMPANY SERVICES LIMITED resignedcorporate-nominee-secretary
- 2005-03-23➖D.W. DIRECTOR 1 LIMITED resignedcorporate-nominee-director
- 2004-12-15🏢Company incorporatedAs BALMORAL GROUP HOLDINGS LIMITED
- 2004-12-15➕D.W. COMPANY SERVICES LIMITED appointedcorporate-nominee-secretary
- 2004-12-15➕D.W. DIRECTOR 1 LIMITED appointedcorporate-nominee-director
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 86 — succession pressure is live.
Succession & seller-readiness
80/100
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 86 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 21 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Sir James Smith Milne Individual · British · DOB 12/1940 · age 86 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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
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|---|---|---|---|---|---|---|---|
| ARCAIRN LTD→ SC866478 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARDCAST LIMITED→ SC755740 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ARDOYNE INVESTMENTS LIMITED→ SC333722 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| ARRANCO 3 LIMITED→ SC333603 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| ASA FLATS LIMITED→ SC627679 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ASSURANCE GROUP LIMITED→ SC690369 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AUCHLEE FARMS→ SC151071 · est 1994 · no financials extracted | — | — | — | — | 31y | — | — |
| AUTUMN FALL (ELGIN) LTD→ SC645542 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BALMORAL EMPLOYEE BENEFIT TRUSTEES LIMITED→ SC341338 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| BALMORAL POLYMER ENGINEERING LIMITED→ SC072725 · est 1980 · no financials extracted | — | — | — | — | 45y | — | — |
| BILBO TRADING LIMITED→ SC767157 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BRACKENHILLS HOLDINGS LIMITED→ SC749047 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2004-12-15
Jurisdictionscotland
Primary SIC64202 — Activities of production holding companies
Registered office
Balmoral Park
Loirston
Aberdeen
AB12 3GY
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-19
Last: 2025-11-05
Officers (7 active · 2 resigned)
LOWDEN, Julie Thain→
Activesecretary · appointed 2005-03-23
View their other companies + combined net worth →
BINNIE, Kevin Wood→
Activedirector · ~52y · appointed 2018-09-10
View their other companies + combined net worth →
GERRARD, Gary James→
Activedirector · ~61y · appointed 2011-01-19
View their other companies + combined net worth →
HOGG, Sarah-Jane→
Activedirector · ~41y · appointed 2024-07-01
View their other companies + combined net worth →
MAIN, William Edwards→
Activedirector · ~68y · appointed 2005-03-23
View their other companies + combined net worth →
MILNE, James Smith→
Activedirector · ~86y · appointed 2005-03-23
View their other companies + combined net worth →
MITCHELL, Paul Watt→
Activedirector · ~57y · appointed 2023-03-29
View their other companies + combined net worth →
D.W. COMPANY SERVICES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2004-12-15 · resigned 2005-03-23
D.W. DIRECTOR 1 LIMITED→
Resignedcorporate-nominee-director · appointed 2004-12-15 · resigned 2005-03-23
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 1 property | 19/05/2005 | 14/06/2011 |
Recent filings (70 total)
accounts-with-accounts-type-group
accounts · AA
2026-01-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-05
accounts-with-accounts-type-group
accounts · AA
2025-01-14
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-17
appoint-person-director-company-with-name-date
officers · AP01
2024-07-09
accounts-with-accounts-type-group
accounts · AA
2024-01-05
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-21
appoint-person-director-company-with-name-date
officers · AP01
2023-04-05
accounts-with-accounts-type-group
accounts · AA
2023-01-05
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-21
memorandum-articles
incorporation · MA
2022-09-21
resolution
resolution · RESOLUTIONS
2022-09-21
capital-name-of-class-of-shares
capital · SH08
2022-09-21
capital-name-of-class-of-shares
capital · SH08
2022-09-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-03-16