D MACGILLIVRAY & CO LTD.

🌳Matureactive

SC323837 · ltd · incorporated 2007-05-16

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 18.8y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£336.2k

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Retail sale of carpets, rugs, wall and floor coverings in specialised stores

Sector: Wholesale & retail

ALSO REGISTERED FOR

47789Other retail sale of new goods in specialised stores (other than commercial art galleries and opticians)

Investor take

Pursue

Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 82/100 (exceptional), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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

2 live charges · 2 lenders · oldest 18.8y

50/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 18.8 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (79/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 2 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

7 officers (5 active, 7 linked, 4 with DOB)

Ownership & PSC

3 active PSC(s) of 4 total, 4 with control declared

Director network

1 connected companies via shared directors

Filing history

71 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

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 £336,247

Cash YoY

-1%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£172k

↓ 1.3% YoY

Net Worth

£336k

↑ 9.1% YoY

Current Assets

£257k

↓ 2.2% YoY

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
Total assets	£414.8k	£421.2k
Current assets	£257.1k	£262.9k
Cash	£171.5k	£173.8k
Debtors	£20.6k	£24.1k
Net assets	£336.2k	£308.1k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (32 events)Click to expand

2025-12-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-30
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-01-27
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-01-27
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-01-27
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-01-27
📄
capital-allotment-shares
capital · SH01
2024-12-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-17
📄
mortgage-satisfy-charge-full
mortgage · MR04
2022-05-17
🔓
Charge satisfied #2
2021-12-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-21
📄
capital-cancellation-shares
capital · SH06
2020-10-21
📄
capital-return-purchase-own-shares
capital · SH03
2020-10-21
📄
capital-return-purchase-own-shares
capital · SH03
2020-10-21
📄
capital-return-purchase-own-shares
capital · SH03
2020-10-21
📄
capital-return-purchase-own-shares
capital · SH03
2020-10-21
📄
capital-return-purchase-own-shares
capital · SH03
2020-10-21
📄
capital-return-purchase-own-shares
capital · SH03
2020-10-21
📄
capital-return-purchase-own-shares
capital · SH03
2017-05-16
➕
MACGILLIVRAY, Jacqueline appointed
director
2015-07-10
➕
MACGILLIVRAY, Danielle appointed
director
2014-08-01
➕
MACGILLVRAY, Alan Paul appointed
director
2009-04-24
🔒
Charge registered #2
Lender: Bank of Scotland PLC
2007-07-09
🔒
Charge registered #1
Lender: The Governor and Company of the Bank of Scotland
2007-05-16
🏢
Company incorporated
As D MACGILLIVRAY & CO LTD.
2007-05-16
➕
MACGILLIVRAY, Jacqueline appointed
secretary
2007-05-16
➕
MACGILLIVRAY, Roderick appointed
director
2007-05-16
➕
BRIAN REID LTD. appointed
corporate-secretary
2007-05-16
➖
BRIAN REID LTD. resigned
corporate-secretary
2007-05-16
➕
STEPHEN MABBOTT LTD. appointed
corporate-director
2007-05-16
➖
STEPHEN MABBOTT LTD. resigned
corporate-director

Owner dependency

81/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Founder name in company name: Company name contains director surname "MACGILLIVRAY" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 61 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

63/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
secondary12+ year tenure: Director in role 19 years.
secondaryStable-but-static management: Company is 19 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

3 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Ms Danielle Macgillivray Individual · Scottish · DOB 03/1990 · age 36	25–50%	25–50%	25-50% shares · 25-50% voting	31/07/2024
Mr Alan Paul Macgillvray Individual · British · DOB 09/1987 · age 39	25–50%	25–50%	25-50% shares · 25-50% voting	31/07/2024
Mrs Jacqueline Macgillivray Individual · Scottish · DOB 09/1973 · age 53	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016

1 historic (ceased) PSC

Mr Roderick Macgillivrayceased 31/07/2024· significant influence

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

Active · Retail · HS postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
HEBRIDEAN JEWELLERY LIMITED→ SC239987 · est 2002	—	—	£614.3k	—	23y	83	79y
A D MUNRO (HARRIS) LTD→ SC344202 · est 2008	—	—	£32.5k	—	17y	82	58y
FLOOR TO FLOOR LIMITED→ SC316361 · est 2007	—	—	£38.9k	—	19y	81	64y
BAYHEAD SHOP LTD→ SC352329 · est 2008	—	—	£55.8k	—	17y	80	66y
CCW WORLD LIMITED→ SC235907 · est 2002	—	—	£431.2k	—	23y	80	77y
CHARLES MACLEOD LIMITED→ SC235886 · est 2002	—	—	£2.34M	—	23y	80	79y
COMSULTING LIMITED→ SC177759 · est 1997	—	—	£68.6k	—	28y	80	69y
CORRYAN TRADING LIMITED→ SC459781 · est 2013	—	—	£220.4k	—	12y	80	60y
FI WORLD LIMITED→ SC235906 · est 2002	—	—	£302.0k	—	23y	80	77y
ANGUS CAMPBELL LTD.→ SC162315 · est 1995	—	—	£1.03M	—	30y	79	70y
BUTH BHARRAIGH LIMITED→ SC461773 · est 2013	—	—	£81.5k	—	12y	79	63y
EVENTS OF STORNOWAY LTD→ SC253570 · est 2003	—	—	£408.0k	—	22y	79	63y

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.

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Company details

Statusactive

Typeltd

Incorporated2007-05-16

Jurisdictionscotland

Primary SIC47530 — Retail sale of carpets, rugs, wall and floor coverings in specialised stores

Registered office

Balivanich

Benbecula

Western Isles

HS7 5LA

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-02-10

Last: 2026-01-27