AYRSHIRE DISCOUNT FURNITURE LIMITED

🌳Matureactive
SC330155 · ltd · incorporated 2007-08-31
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 16.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
—
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: Retail sale of furniture, lighting, and similar (not musical instruments or scores) in specialised stores
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 80/100. 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: strategic trade sale (63/100).

🏦

Refinance opportunity

1 live charge · oldest 16.2y

65/100
clean up first

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

  • · Oldest live charge is 16.2 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, 1 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
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
51 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Sept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Average employees1000900

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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2025-04-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-06-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-04-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2023-11-21
    ➕
    SAUNDERSON, Mark appointed
    director
  5. 2023-11-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2023-06-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-10-07
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2022-10-07
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  9. 2022-10-05
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  10. 2022-10-01
    ➖
    SAUNDERSON, Nicola Marion resigned
    secretary
  11. 2022-04-04
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  12. 2022-03-01
    ➕
    SAUNDERSON, Mark appointed
    secretary
  13. 2022-02-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2021-10-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2021-06-10
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2021-06-07
    ➖
    TREMBLE, Margaret Morrison resigned
    director
  17. 2021-01-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2020-02-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2019-05-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  20. 2019-05-01
    ➕
    SAUNDERSON, Nicola Marion appointed
    director
  21. 2019-04-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2010-03-01
    🔒
    Charge registered #1
    Lender: Bank of Scotland PLC
  23. 2007-08-31
    🏢
    Company incorporated
    As AYRSHIRE DISCOUNT FURNITURE LIMITED
  24. 2007-08-31
    ➕
    SAUNDERSON, Nicola Marion appointed
    secretary
  25. 2007-08-31
    ➕
    TREMBLE, Margaret Morrison appointed
    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

clean
No 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%
NameSharesVoting rightsNature of controlNotified
Mrs Nicola Marion Saunderson
Individual · British · DOB 11/1979 · age 47
75–100%
—75-100% shares11/03/2022
1 historic (ceased) PSC
  • Mrs Margaret Morrison Trembleceased 11/03/2022· significant influence

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

Similar companies

Active · Retail · KA postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
J & W CARPETS LIMITED→
SC362931 · est 2009
£258.4k
£193.8k–£322.9k
——6716y8348y
KIRKMICHAEL VILLAGE RENAISSANCE→
SC376521 · est 2010
——£46.6k—16y8380y
MC STORES LIMITED→
SC387053 · est 2010
——£678.2k—15y8374y
QUEST FARM SUPPLIES LIMITED→
SC362924 · est 2009
——£2.06M—16y8359y
A.L. PAINT AND SUPPLIES LIMITED→
SC173153 · est 1997
——£973.9k—29y8274y
AGRI-INPUT DIRECT LIMITED→
SC207700 · est 2000
——£315.0k—25y8259y
AM SERVICE STATIONS LIMITED→
SC211245 · est 2000
———1325y8259y
ANDREW HUGHES CHEMISTS LIMITED→
SC205281 · est 2000
————26y8263y
BDC FUELS LIMITED→
SC229389 · est 2002
———210024y8267y
C MCCALLUM LIMITED→
SC264993 · est 2004
———3322y8263y
DIVINE & GIBSON LIMITED→
SC027260 · est 1949
——£1.29M—76y8269y
WELLINGTON GALLERY (KILMARNOCK) LIMITED→
SC267333 · est 2004 · no financials extracted
————21y——
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
Incorporated2007-08-31
Jurisdictionscotland
Primary SIC47599 — Retail sale of furniture, lighting, and similar (not musical instruments or scores) in specialised stores

Registered office

104 Main Street
Prestwick
KA9 1PA
United Kingdom

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-12-13
Last: 2025-11-29

Officers (3 active · 2 resigned)

SAUNDERSON, Mark→
secretary · appointed 2022-03-01
View their other companies + combined net worth →
Active
SAUNDERSON, Mark→
director · ~47y · appointed 2023-11-21
View their other companies + combined net worth →
Active
SAUNDERSON, Nicola Marion→
director · ~47y · appointed 2019-05-01
View their other companies + combined net worth →
Active
SAUNDERSON, Nicola Marion→
secretary · appointed 2007-08-31 · resigned 2022-10-01
Resigned
TREMBLE, Margaret Morrison→
director · ~71y · appointed 2007-08-31 · resigned 2021-06-07
Resigned

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
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC
Floating charge standard security1 property01/03/2010—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (51 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-01
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-24
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-12
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-29
appoint-person-director-company-with-name-date
officers · AP01
2023-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-29
confirmation-statement-with-updates
confirmation-statement · CS01
2022-10-07
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-10-07
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-10-07
termination-secretary-company-with-name-termination-date
officers · TM02
2022-10-05
appoint-person-secretary-company-with-name-date
officers · AP03
2022-04-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-10