HARRIS GARAGE COMPANY (TARBERT) LIMITED

🌳Matureactive

SC058995 · ltd · incorporated 1975-11-26

Investment thesis

Property vehicle with leveraged stack — refinance / partial-release angle.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.

Why now

Window opening · medium confidence

More negotiable than before — 1 signals weakening over the last 30 days.

· Hygiene score: 82 → 77

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 48.7y old — refinance window within 12 months

What changed my view

Last 30 days

Picture worsened over the last 30 days — 1 negative signal vs 0 positive.

↓Hygiene score: 82 → 77

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Apr 2025

Net worth

£25.5k

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Other letting and operating of own or leased real estate

Sector: Real estate

Investor take

Pursue

Property-backed borrower with a 89-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 89). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 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

4 live charges · 2 lenders · oldest 48.7y

50/100

clean up first

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

· Oldest live charge is 48.7 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: high (81/100)

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

Lenders & charges

4 charges (4/4 with lender, 4/4 with type)

Directors & officers

7 officers (5 active, 7 linked, 6 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

5 connected companies via shared directors

Filing history

99 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

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 £25,467

Cash YoY

-13%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£7k

↓ 13% YoY

Net Worth

£25k

↑ 25% YoY

Current Assets

£8k

↓ 10% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-04-30	2024-04-30
Total assets	£45.1k	£40.9k
Current assets	£8.2k	£9.1k
Cash	£7.3k	£8.4k
Debtors	£875	£710
Net assets	£25.5k	£20.4k

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

filing

• 1 officers

Last 90 days

filing

• 1 officers

Last 180 days

filings

• 1 officers
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (28 events)Click to expand

2026-06-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-05-15
➖
MORRISON, Helen Rose resigned
director
2025-12-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-01-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-01-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-01-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-06-26
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2017-06-26
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2017-01-27
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-12-14
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-06-30
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2003-03-31
➕
CAMERON, Ewan appointed
director
2002-09-02
🔓
Charge satisfied #5
2000-09-25
➕
CAMERON, Mairi Lauda appointed
director
1993-10-28
🔒
Charge registered #5
Lender: The Governor and Company of the Bank of Scotland
1993-05-01
➕
MORRISON, John Murdo appointed
director
1993-04-30
➕
MORRISON, Helen Rose appointed
director
1992-08-23
➖
CAMERON, Thomas Ewan resigned
director
1990-09-24
🔓
Charge satisfied #4
1980-03-10
🔒
Charge registered #4
Lender: Highlands & Islands Development Board
1979-11-26
🔒
Charge registered #2
Lender: The Governor and Company of the Bank of Scotland
1977-10-21
🔒
Charge registered #1
Lender: The Governor and Company of the Bank of Scotland
1975-11-26
🏢
Company incorporated
As HARRIS GARAGE COMPANY (TARBERT) LIMITED

Owner dependency

73/100

High — earn-out structure required

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 33 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 89 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 89 years old. Natural succession window is now.
primary20+ year tenure: Director in role 33 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 51 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

Name	Shares	Voting rights	Nature of control	Notified
Mr David Ewan Cameron Individual · British · DOB 02/1948 · age 78	50–75%	50–75%	50-75% shares · 50-75% voting	06/04/2016
Mairi Lauda Cameron Individual · British · DOB 01/1957 · age 69	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.

🔒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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Similar companies

Active · Property · HS postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
MACKAY PROPERTIES LIMITED→ SC138867 · est 1992	£8.51M £7.23M–£9.78M	—	£8.51M	—	33y	79	77y
THE WEST HARRIS TRUST→ SC347176 · est 2008	£2.25M £1.91M–£2.58M	—	£2.25M	—	17y	80	78y
URRAS NAN GEARRANNAN→ SC125734 · est 1990	£1.37M £1.16M–£1.57M	—	£1.37M	—	35y	81	76y
MIMEC LTD→ SC229187 · est 2002	£1.10M £937.4k–£1.27M	—	£1.10M	—	24y	81	64y
URRAS SGIRE OIGHREACHD BHARABHAIS COMMUNITY COMPANY→ SC374260 · est 2010	£973.7k £827.6k–£1.12M	—	£973.7k	—	16y	83	70y
KEN MACDONALD & CO LIMITED→ SC434629 · est 2012	£935.9k £795.5k–£1.08M	—	£935.9k	—	13y	78	83y
THE PAIRC TRUST→ SC261145 · est 2003	£921.7k £783.5k–£1.06M	—	£921.7k	—	22y	77	79y
LEWIS SALMON LIMITED→ SC090546 · est 1984	£440.6k £374.5k–£506.7k	—	£440.6k	—	41y	77	69y
URRAS BHARABHAIS (TRADING) LIMITED→ SC530992 · est 2016	£272.8k £231.9k–£313.8k	—	£272.8k	—	10y	79	70y
CIB DEVELOPMENTS LIMITED→ SC270493 · est 2004	£133.8k £113.7k–£153.9k	—	£133.8k	—	21y	82	70y
PAIRC CROFTERS LIMITED→ SC013252 · est 1924	£114.6k £97.4k–£131.8k	—	£114.6k	—	101y	79	73y
MACLEOD PROPERTIES LIMITED→ SC224919 · est 2001	£114.5k £97.3k–£131.7k	—	£114.5k	—	24y	77	42y

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

7 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

Incorporated1975-11-26

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Hill Cottage Scott Road

Tarbert

Isle Of Harris

HS3 3DL

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2026-07-15

Last: 2025-07-01

Officers (5 active · 2 resigned)

CAMERON, David Ewan→

secretary

View their other companies + combined net worth →

Active

CAMERON, David Ewan→

director · ~78y

View their other companies + combined net worth →

Active

CAMERON, Ewan→

director · ~53y · appointed 2003-03-31

View their other companies + combined net worth →

Active

CAMERON, Mairi Lauda→

director · ~69y · appointed 2000-09-25

View their other companies + combined net worth →

Active

MORRISON, John Murdo→

director · ~89y · appointed 1993-05-01

View their other companies + combined net worth →

Active

CAMERON, Thomas Ewan→

director · ~126y · resigned 1992-08-23

Resigned

MORRISON, Helen Rose→

director · ~91y · appointed 1993-04-30 · resigned 2026-05-15

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:4 of 4 shown

		Type	Properties
satisfied	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Standard security	1 property	28/10/1993	02/09/2002
satisfied	Highlands & Islands Development Board	Standard security	1 property	10/03/1980	24/09/1990
outstanding	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Standard security	1 property	26/11/1979	—
outstanding	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Floating charge	1 property	21/10/1977	—

Click column headers to sort. Use filters above to narrow by status and lender.