M & M KERR LIMITED
🌳Matureactive
SC406516 · ltd · incorporated 2011-08-31
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£1.17M
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Freight transport by road
Sector: Transportation & storage
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 79/100 (strong), 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: Cash flow review and working-capital discipline. Cash down -57% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 14.0y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 14.0 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (78/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 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
34 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £1,172,444
Cash draining
Cash down 57% YoY
Cash YoY
-57%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£105k
↓ 57% YoY
Net Worth
£1.2m
↑ 3.6% YoY
Current Assets
£1.0m
~ 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 | £1.87M | £1.78M |
| Current assets | £1.02M | £1.03M |
| Cash | £105.3k | £244.3k |
| Debtors | £908.2k | £777.3k |
| Net assets | £1.17M | £1.13M |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2025-06-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-20🔓Charge satisfied #1
- 2024-07-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-06-25📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-02-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2016-02-24🔒Charge registered #2Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
- 2015-09-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2015-09-23📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-07-07📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2012-04-23🔒Charge registered #1Lender: Lloyds Tsb Commercial Finance Limited
- 2011-08-31🏢Company incorporatedAs M & M KERR LIMITED
- 2011-08-31➕KERR, Michael appointeddirector
- 2011-08-31➕KERR, Michele appointeddirector
Owner dependency
94/100
Critical — business is the founderThe 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.
- +Founder name in company name: Company name contains director surname "KERR" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 15 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 15 years.
- 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Michael Kerr Individual · British · DOB 12/1967 · age 59 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Michele Kerr Individual · British · DOB 08/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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
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
Incorporated2011-08-31
Jurisdictionscotland
Primary SIC49410 — Freight transport by road
Registered office
Unit 2a Abercromby Road Industrial Park
Castle Douglas
Kirkcudbrightshire
DG7 1LH
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-14
Last: 2025-08-31
Officers (2 active · 0 resigned)
KERR, Michael→
Activedirector · ~59y · appointed 2011-08-31
View their other companies + combined net worth →
KERR, Michele→
Activedirector · ~57y · appointed 2011-08-31
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111) | A registered charge | — | 24/02/2016 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Commercial Finance Limited | Bond & floating charge | 1 property | 23/04/2012 | 20/05/2025 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (34 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-23
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-06-18