CRIEFF FINANCIAL & MORTGAGE CENTRE LIMITED

🌳Matureactive
SC330821 · ltd · incorporated 2007-09-12
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 13.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 13.4y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 13.4 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (76/100)

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
6 officers (3 active, 6 linked, 2 with DOB)
77
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
63 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 accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Dec 2024Dec 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-12-312024-12-31
Average employees300200

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
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2026-03-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-09-25
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  3. 2025-09-25
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  4. 2025-09-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2025-09-01
    ➕
    CAMPBELL, Joyce appointed
    secretary
  6. 2025-09-01
    ➖
    CAMPBELL, Iain Grant resigned
    secretary
  7. 2024-08-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2024-08-14
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  9. 2023-10-19
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2023-10-19
    🔓
    Charge satisfied #1
  11. 2023-07-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2022-03-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2021-10-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  14. 2021-10-14
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  15. 2021-10-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2021-10-14
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  17. 2021-10-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  18. 2021-10-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2021-08-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2020-11-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  21. 2019-05-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  22. 2012-12-10
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  23. 2007-09-12
    🏢
    Company incorporated
    As CRIEFF FINANCIAL & MORTGAGE CENTRE LIMITED
  24. 2007-09-12
    ➕
    BINGHAM, Graeme appointed
    director
  25. 2007-09-12
    ➕
    CAMPBELL, Iain Grant appointed
    director
  26. 2007-09-12
    ➕
    CAMPBELL, Iain Grant appointed
    secretary
  27. 2007-09-12
    ➕
    BRIAN REID LTD. appointed
    corporate-secretary
  28. 2007-09-12
    ➖
    BRIAN REID LTD. resigned
    corporate-secretary
  29. 2007-09-12
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-director
  30. 2007-09-12
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-director

Owner dependency

83/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

69/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 19 years.
  • 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
NameSharesVoting rightsNature of controlNotified
Mrs Joyce Campbell
Individual · British · DOB 05/1961 · age 65
25–50%
25–50%25-50% shares · 25-50% voting16/03/2018
Mr Iain Grant Campbell
Individual · British · DOB 09/1959 · age 67
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Graeme Bingham
Individual · British · DOB 01/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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

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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
Incorporated2007-09-12
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

27 West High Street
Crieff
Perthshire
PH7 4AU

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-09-26
Last: 2025-09-12

Officers (3 active · 3 resigned)

CAMPBELL, Joyce→
secretary · appointed 2025-09-01
View their other companies + combined net worth →
Active
BINGHAM, Graeme→
director · ~59y · appointed 2007-09-12
View their other companies + combined net worth →
Active
CAMPBELL, Iain Grant→
director · ~67y · appointed 2007-09-12
View their other companies + combined net worth →
Active
CAMPBELL, Iain Grant→
secretary · appointed 2007-09-12 · resigned 2025-09-01
Resigned
BRIAN REID LTD.→
corporate-secretary · appointed 2007-09-12 · resigned 2007-09-12
Resigned
STEPHEN MABBOTT LTD.→
corporate-director · appointed 2007-09-12 · resigned 2007-09-12
Resigned

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
TypeProperties
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Floating charge1 property10/12/201219/10/2023

Recent filings (63 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-26
termination-secretary-company-with-name-termination-date
officers · TM02
2025-09-25
appoint-person-secretary-company-with-name-date
officers · AP03
2025-09-25
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-23
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-26
change-account-reference-date-company-previous-extended
accounts · AA01
2024-08-14
mortgage-satisfy-charge-full
mortgage · MR04
2023-10-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-26
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-17
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-22
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-10-14
change-person-secretary-company-with-change-date
officers · CH03
2021-10-14