CRAIGMHOR INVESTMENTS LIMITED

🌳Matureactive
SC492242 · ltd · incorporated 2014-11-28
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
£918.6k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Activities of head offices
Sector: Professional, scientific & technical
Investor take
Pursue
Active trading company with a 60-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (65/100, director aged 60). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 11.1y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 11.1 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
3 charges (3/3 with lender, 3/3 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
2 connected companies via shared directors
51
Filing history
31 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
75
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 declared
Positive net assets
Net assets £918,647

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£919k
↑ 7.0% YoY
Current Assets
£423
↓ 84% YoY
Current Liabilities
—
£0£184k£367k£551k£735k£919kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£1.19M£1.19M
Current assets£423£2.6k
Net assets£918.6k£858.3k

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2025-12-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-12-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-12-22
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2023-12-22
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2023-12-22
    🔓
    Charge satisfied #3
  6. 2023-12-22
    🔓
    Charge satisfied #2
  7. 2023-11-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-12-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-12-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2021-02-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2019-12-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2018-12-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2017-08-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2016-09-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-12-03
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-04-16
    📄
    mortgage-alter-floating-charge
    mortgage · 466(Scot)
  17. 2015-04-16
    📄
    mortgage-alter-floating-charge
    mortgage · 466(Scot)
  18. 2015-03-31
    🔒
    Charge registered #3
    Lender: George Wilson Girvan
  19. 2015-03-31
    🔒
    Charge registered #2
    Lender: Catriona Girvan
  20. 2015-03-30
    🔒
    Charge registered #1
    Lender: Bank of Scotland PLC
  21. 2014-11-28
    🏢
    Company incorporated
    As CRAIGMHOR INVESTMENTS LIMITED
  22. 2014-11-28
    ➕
    MACLELLAN, Calum Joseph appointed
    director
  23. 2014-11-28
    ➕
    MACLELLAN, Catherine Jane appointed
    director

Owner dependency

79/100
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.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

51/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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 Calum Joseph Maclellan
Individual · British · DOB 03/1966 · age 60
25–50%
25–50%25-50% shares · 25-50% voting01/07/2016
Mrs Catherine Jane Maclellan
Individual · British · DOB 07/1968 · age 58
25–50%
25–50%25-50% shares · 25-50% voting01/07/2016

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 →

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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.

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Company details

Statusactive
Typeltd
Incorporated2014-11-28
Jurisdictionscotland
Primary SIC70100 — Activities of head offices

Registered office

6 Atholl Crescent
Perth
Tayside
PH1 5JN

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-12
Last: 2025-11-28

Officers (2 active · 0 resigned)

MACLELLAN, Calum Joseph→
director · ~60y · appointed 2014-11-28
View their other companies + combined net worth →
Active
MACLELLAN, Catherine Jane→
director · ~58y · appointed 2014-11-28
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
George Wilson Girvan
A registered charge—31/03/201522/12/2023
satisfied
Catriona Girvan
A registered charge—31/03/201522/12/2023
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—30/03/2015—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (31 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-12
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-11
mortgage-satisfy-charge-full
mortgage · MR04
2023-12-22
mortgage-satisfy-charge-full
mortgage · MR04
2023-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-28
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-17
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-17
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-08
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-19