STUART, MCINTYRE & STUART (DUMBARTON) LIMITED

🌳Matureactive
SC055361 · ltd · incorporated 1974-04-01
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 44.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£901.1k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: SIC 45200
Sector: Wholesale & retail
ALSO REGISTERED FOR
  • 45310SIC 45310
  • 45320Retail trade of motor vehicle parts and accessories
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 82/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 44.1y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 44.1 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

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, 3 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
9 officers (4 active, 9 linked, 7 with DOB)
86
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
104 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.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £901,128
Net assets shrinking
Down £39,247 YoY
Cash YoY
+6%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£512k
↑ 5.8% YoY
Net Worth
£901k
↓ 4.2% YoY
Current Assets
£709k
↑ 4.6% YoY
Current Liabilities
—
£0£188k£376k£564k£752k£940kSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Total assets£930.2k£964.5k
Current assets£709.5k£678.5k
Cash£512.5k£484.3k
Debtors£51.1k£47.6k
Net assets£901.1k£940.4k

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

🔒Filing-note intelligence

2 signals 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
1
filing
  • • 1 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2025-08-13
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  2. 2025-08-01
    ➕
    JOHNSTONE, David appointed
    director
  3. 2025-06-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-06-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-11-06
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2023-11-06
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2023-06-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-06-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-06-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-05-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-06-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2018-06-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-06-02
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2016-06-16
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-05-03
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-05-01
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2009-10-30
    🔒
    Charge registered #3
    Lender: Ats Scotland Limited
  18. 2005-06-01
    ➕
    JOHNSTONE, Jane appointed
    director
  19. 2005-05-31
    ➖
    MCINTYRE, James resigned
    director
  20. 2005-04-01
    ➕
    JOHNSTONE, Jane appointed
    secretary
  21. 2005-03-31
    ➕
    JOHNSTONE, Graham appointed
    director
  22. 2005-03-31
    ➖
    MCINTYRE, Elizabeth Hazel resigned
    secretary
  23. 2005-03-31
    ➖
    MCINTYRE, Elizabeth Hazel resigned
    director
  24. 2004-05-21
    ➖
    STUART, David George Andrew resigned
    director
  25. 2004-04-30
    ➖
    STUART, Ian Robert resigned
    director
  26. 1983-02-18
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  27. 1982-03-26
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  28. 1974-04-01
    🏢
    Company incorporated
    As STUART, MCINTYRE & STUART (DUMBARTON) LIMITED

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
  • +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

30/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — JOHNSTONE, David (same surname) appointed 2025-08-01. Pattern consistent with intra-family handover.
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
  • 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 Graham Johnstone
Individual · British · DOB 05/1959 · age 67
50–75%
50–75%50-75% shares · 50-75% voting06/04/2016
Mrs Jane Johnstone
Individual · British · DOB 06/1963 · age 63
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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——£948.4k—22y8360y
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————22y8361y
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SC119922 · est 1989 · no financials extracted
————36y8377y
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——£211.4k—17y8371y
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SC314584 · est 2007
———30019y8271y
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————25y8259y
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———633y8272y
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——£126.3k—15y8272y
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——£298.2k—30y8267y
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——£567.2k—23y8260y
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————7y——
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————1y——
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
Incorporated1974-04-01
Jurisdictionscotland
Primary SIC45200 — SIC 45200

Registered office

10 Duckburn Business Park
Dunblane
FK15 0EW

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2027-05-14
Last: 2026-04-30

Officers (4 active · 5 resigned)

JOHNSTONE, Jane→
secretary · appointed 2005-04-01
View their other companies + combined net worth →
Active
JOHNSTONE, David→
director · ~29y · appointed 2025-08-01
View their other companies + combined net worth →
Active
JOHNSTONE, Graham→
director · ~67y · appointed 2005-03-31
View their other companies + combined net worth →
Active
JOHNSTONE, Jane→
director · ~63y · appointed 2005-06-01
View their other companies + combined net worth →
Active
MCINTYRE, Elizabeth Hazel→
secretary · resigned 2005-03-31
Resigned
MCINTYRE, Elizabeth Hazel→
director · ~91y · resigned 2005-03-31
Resigned
MCINTYRE, James→
director · ~92y · resigned 2005-05-31
Resigned
STUART, David George Andrew→
director · ~90y · resigned 2004-05-21
Resigned
STUART, Ian Robert→
director · ~82y · resigned 2004-04-30
Resigned

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

Mortgages & charges

3
Total charges
3
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Ats Scotland
Ats Scotland Limited
Standard security1 property30/10/2009—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property18/02/1983—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property26/03/1982—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (104 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-30
appoint-person-director-company-with-name-date
officers · AP01
2025-08-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-22