INGRAM MOTORING GROUP LIMITED
🌳Matureactive
SC055121 · ltd · incorporated 1974-02-26
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
—
not disclosed
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Sale of new cars and light motor vehicles
Sector: Wholesale & retail
ALSO REGISTERED FOR
- 45112SIC 45112
- 45200SIC 45200
Investor take
PursueActive trading company with a 91-year-old founder — textbook succession opportunity.
Opportunity 75/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 91). Biggest value-creation lever: Consolidate lender relationships. 15 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
26 live charges · 14 lenders · oldest 51.2y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 51.2 years old — likely at or near maturity.
- · 14 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: medium (58/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
26 charges (26/26 with lender, 26/26 with type)
90
Directors & officers
8 officers (5 active, 8 linked, 7 with DOB)
88
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
186 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
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
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 (72 events)Click to expand
- 2025-06-04📄accounts-with-accounts-type-fullaccounts · AA
- 2025-03-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-17🔒Charge registered #35Lender: The Royal Bank of Scotland PLC
- 2024-04-17📄accounts-with-accounts-type-fullaccounts · AA
- 2023-08-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-08-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-08-07🔓Charge satisfied #33
- 2023-08-07🔓Charge satisfied #32
- 2023-05-09📄accounts-with-accounts-type-fullaccounts · AA
- 2022-05-09📄accounts-with-accounts-type-fullaccounts · AA
- 2021-04-29📄accounts-with-accounts-type-fullaccounts · AA
- 2020-07-28📄accounts-with-accounts-type-fullaccounts · AA
- 2019-05-22📄legacymiscellaneous · RP04CS01
- 2019-05-16📄accounts-with-accounts-type-fullaccounts · AA
- 2018-05-29📄accounts-with-accounts-type-fullaccounts · AA
- 2017-09-24📄accounts-with-accounts-type-fullaccounts · AA
- 2017-04-12📄capital-cancellation-sharescapital · SH06
- 2017-04-12📄capital-return-purchase-own-sharescapital · SH03
- 2017-03-28📄memorandum-articlesincorporation · MA
- 2016-01-04➕FYFE, Andrew Kenneth Cochran appointeddirector
- 2016-01-04➕MONAGHAN, William Kenneth appointeddirector
- 2014-01-22🔒Charge registered #34Lender: The Royal Bank of Scotland PLC
- 2012-02-24🔓Charge satisfied #29
- 2012-02-24🔓Charge satisfied #27
- 2012-02-24🔓Charge satisfied #26
- 2012-02-24🔓Charge satisfied #16
- 2012-01-20🔒Charge registered #33Lender: Volkswagen Bank Gmbh
- 2012-01-20🔒Charge registered #32Lender: Volkswagen Financial Services (UK) Limited
- 2012-01-14🔓Charge satisfied #24
- 2011-11-18🔓Charge satisfied #30
- 2010-09-09🔓Charge satisfied #25
- 2010-01-27➕INGRAM, Malcolm Crawford appointeddirector
- 2010-01-27➖INGRAM, Alexander David resigneddirector
- 2009-07-17🔒Charge registered #31Lender: Volkswagen Bank Gmbh
- 2007-12-14🔓Charge satisfied #23
- 2006-08-23🔒Charge registered #30Lender: Rbs Invoice Finance Limited
- 1999-08-18🔒Charge registered #29Lender: The Royal Bank of Scotland PLC
- 1998-04-08➖FULSTON, George Jones resigneddirector
- 1997-12-12🔒Charge registered #27Lender: The Royal Bank of Scotland PLC
- 1997-11-26🔓Charge satisfied #19
- 1997-11-19🔒Charge registered #26Lender: The Royal Bank of Scotland PLC
- 1997-11-17🔓Charge satisfied #17
- 1997-11-17🔓Charge satisfied #10
- 1997-11-17🔓Charge satisfied #7
- 1997-11-17🔓Charge satisfied #4
- 1997-11-17🔓Charge satisfied #1
- 1997-11-09🔒Charge registered #25Lender: Capital Bank PLC
- 1997-09-05🔒Charge registered #24Lender: The Royal Bank of Scotland PLC
- 1997-03-12🔒Charge registered #23Lender: Royal Bank Invoice Finance Limited
- 1995-03-02🔓Charge satisfied #20
Showing most recent 50 of 72 events
Owner dependency
88/100
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
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "INGRAM" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 91 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
83/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 91 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 16 years.
- secondaryStable-but-static management: Company is 52 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
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
5 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Malcolm Crawford Ingram Individual · British · DOB 04/1969 · age 57 | 75–100% | — | 75-100% shares | 03/04/2017 |
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.
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|---|---|---|---|---|---|---|---|
| G-TECH AUTOS LTD→ SC878574 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| GORDON TRANSPORT SOLUTIONS LTD→ SC422256 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| HOLT'S GARAGE SERVICES LTD→ SC568826 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| J & S AUTOS (GLASGOW) LTD.→ SC373112 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| JAMIESONS MOTOR SERVICES LTD→ SC450559 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| KATTRAK INTERNATIONAL LIMITED→ SC265073 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| KERR AND SMITH (CUMNOCK) LIMITED→ SC106800 · est 1987 · no financials extracted | — | — | — | — | 38y | — | — |
| KERR BAILLIE LIMITED→ SC043485 · est 1966 · no financials extracted | — | — | — | — | 59y | — | — |
| KEVIN ALEXANDER LOGISTICS LTD→ SC830061 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| KGB BODYSHOP LTD→ SC629994 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| KGB MOTORS LIMITED→ SC607650 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| KILMARNOCK TYRES LIMITED→ SC437014 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated1974-02-26
Jurisdictionscotland
Primary SIC45111 — Sale of new cars and light motor vehicles
Registered office
37 Portland Road
Kilmarnock
Ayrshire
KA1 2DJ
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-06-03
Last: 2025-05-20
Officers (5 active · 3 resigned)
Active
FYFE, Andrew Kenneth Cochran→
Activedirector · ~60y · appointed 2016-01-04
View their other companies + combined net worth →
Active
INGRAM, Malcolm Crawford→
Activedirector · ~57y · appointed 2010-01-27
View their other companies + combined net worth →
MONAGHAN, William Kenneth→
Activedirector · ~59y · appointed 2016-01-04
View their other companies + combined net worth →
FULSTON, George Jones→
Resigneddirector · ~81y · appointed 1992-12-19 · resigned 1998-04-08
INGRAM, Alexander David→
Resigneddirector · ~81y · resigned 2010-01-27
SIM, Iain Daniel→
Resigneddirector · ~68y · appointed 1990-05-01 · resigned 1992-04-30
Click a director name to see their full track record across all companies.
Mortgages & charges
26
Total charges
5
Outstanding
3
Active lenders
Status:Lender:26 of 26 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 17/03/2025 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 22/01/2014 | — | |
| satisfied | Volkswagen Bank Gmbh | Standard security | 1 property | 20/01/2012 | 07/08/2023 | |
| satisfied | Volkswagen Financial Services (UK) Volkswagen Financial Services (UK) Limited | Standard security | 1 property | 20/01/2012 | 07/08/2023 | |
| outstanding | Volkswagen Bank Gmbh | Bond & floating charge | 1 property | 17/07/2009 | — | |
| satisfied | NatWest Group Rbs Invoice Finance Limited | Floating charge | 1 property | 23/08/2006 | 18/11/2011 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 18/08/1999 | 24/02/2012 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 12/12/1997 | 24/02/2012 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 19/11/1997 | 24/02/2012 | |
| satisfied | Capital Bank Capital Bank PLC | Bond & floating charge | 1 property | 09/11/1997 | 09/09/2010 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 05/09/1997 | 14/01/2012 | |
| satisfied | Royal Bank Invoice Finance Royal Bank Invoice Finance Limited | Floating charge | 1 property | 12/03/1997 | 14/12/2007 | |
| outstanding | Volkswagen Financial Services (UK) Volkswagen Financial Services (UK) Limited | Assignation | 1 property | 19/07/1994 | — | |
| outstanding | Volkswagen Financial Services (UK) Volkswagen Financial Services (UK) Limited | Bond & floating charge | 1 property | 13/07/1994 | — | |
| satisfied | V a G Finance V a G Finance Limited | Bond & floating charge | 1 property | 19/02/1993 | 02/03/1995 | |
| satisfied | Nws Trust / N W S Trust Nws Trust Limited / N W S Trust Limited | Bond & floating charge | 1 property | 03/07/1990 | 26/11/1997 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 08/02/1990 | 17/11/1997 | |
| satisfied | V a G Finance V a G Finance LTD | Deed of variation of standard security | 1 property | 12/02/1986 | 24/02/2012 | |
| satisfied | Lloyds Banking Group Lloyds Bowmaker LTD | Standard security | 1 property | 04/04/1985 | 12/04/1994 | |
| satisfied | Lloyds Banking Group Lloyds Bowmaker LTD | Assignation in security | 1 property | 24/08/1984 | 17/11/1997 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 17/11/1981 | 17/11/1997 | |
| satisfied | Qatar National Bank | Standard security | 1 property | 20/07/1981 | 16/11/1990 | |
| satisfied | Auto Union Finance Auto Union Finance LTD | Standard security | 1 property | 20/07/1981 | 12/04/1994 | |
| satisfied | Lloyds Banking Group Lloyds and Scottish Trust LTD | Bond & floating charge | 1 property | 20/05/1981 | 17/11/1997 | |
| satisfied | Lloyds Banking Group Lloyds and Scottish Trust LTD | Floating charge | 1 property | 19/05/1981 | 27/06/1990 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 06/02/1975 | 17/11/1997 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (186 total)
accounts-with-accounts-type-full
accounts · AA
2025-06-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-29
accounts-with-accounts-type-full
accounts · AA
2024-04-17
mortgage-satisfy-charge-full
mortgage · MR04
2023-08-07
mortgage-satisfy-charge-full
mortgage · MR04
2023-08-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-31
accounts-with-accounts-type-full
accounts · AA
2023-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-26
accounts-with-accounts-type-full
accounts · AA
2022-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-21
accounts-with-accounts-type-full
accounts · AA
2021-04-29
accounts-with-accounts-type-full
accounts · AA
2020-07-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-02