SGM CARS LTD

🌳Matureactive
SC384911 · ltd · incorporated 2010-09-06
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 11.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: SIC 45200
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 11.1y

85/100
ready

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

  • · Oldest live charge is 11.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (56/100)

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
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
42 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
2
filings
  • • 2 accounts
Last 90 days
2
filings
  • • 2 accounts
Last 180 days
4
filings
  • • 4 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2026-03-30
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  2. 2026-03-30
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  3. 2026-01-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2025-12-19
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  5. 2025-05-08
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  6. 2025-02-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2024-03-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2023-04-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2022-05-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2021-03-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2021-02-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2021-02-17
    🔓
    Charge satisfied #1
  13. 2020-09-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2020-07-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2019-04-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2018-07-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2017-03-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2015-03-26
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  19. 2015-02-01
    ➕
    ANDERSON, Caroline appointed
    director
  20. 2010-09-06
    🏢
    Company incorporated
    As SGM CARS LTD
  21. 2010-09-06
    ➕
    GIBSON, Hugh Duncan appointed
    director
  22. 2010-09-06
    ➕
    SOUTTER, Alan Norman appointed
    director

Owner dependency

68/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

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 59. Early succession window.
  • secondary12+ year tenure: Director in role 16 years.
  • secondaryStable-but-static management: Company is 16 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Alan Norman Soutter
Individual · Scottish · DOB 02/1967 · age 59
25–50%
—25-50% shares06/09/2016
Mr Hugh Duncan Gibson
Individual · Scottish · DOB 01/1981 · age 45
25–50%
—25-50% shares06/09/2016

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

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 →
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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
Incorporated2010-09-06
Jurisdictionscotland
Primary SIC45200 — SIC 45200

Registered office

Unit 26d Kyle Industrial Estate
Kyle
IV40 8AX

Filing status

Accounts
Next due: 2027-04-27
Last made up to: 2025-07-27
Confirmation statement
Next due: 2026-09-18
Last: 2025-09-04

Officers (3 active · 0 resigned)

ANDERSON, Caroline→
director · ~48y · appointed 2015-02-01
View their other companies + combined net worth →
Active
GIBSON, Hugh Duncan→
director · ~45y · appointed 2010-09-06
View their other companies + combined net worth →
Active
SOUTTER, Alan Norman→
director · ~59y · appointed 2010-09-06
View their other companies + combined net worth →
Active

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
A registered charge—26/03/201517/02/2021

Recent filings (42 total)

accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2026-03-30
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2026-03-30
accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-06
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-04
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2025-05-08
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-12
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-13
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-12
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-20
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-25