STEMIN LIMITED

🌳Matureactive
SC081550 · ltd · incorporated 1983-01-27
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 24.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Retail sale of furniture, lighting, and similar (not musical instruments or scores) in specialised stores
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 70). 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

2 live charges · oldest 24.9y

65/100
clean up first

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

  • · Oldest live charge is 24.9 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (77/100)

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
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
111 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Average employees400400

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
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2026-03-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-03-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-12-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  5. 2023-03-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-06-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-02-26
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2019-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-01-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2019-01-01
    ➕
    WEBSTER, Stephen appointed
    director
  13. 2018-04-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2018-01-04
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2018-01-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  16. 2017-11-30
    ➖
    LAWRIE, Alexander resigned
    director
  17. 2017-04-06
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2001-07-16
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  19. 2001-06-28
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  20. 1992-05-14
    ➖
    SMART, Allan James resigned
    secretary
  21. 1991-05-31
    ➕
    WEBSTER, William appointed
    secretary
  22. 1983-01-27
    🏢
    Company incorporated
    As STEMIN LIMITED

Owner dependency

81/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 70 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100
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 70 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 43 years old and no new directors in the last 3 years — succession not yet being planned internally.

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 Stephen Webster
Individual · British · DOB 12/1974 · age 52
25–50%
25–50%25-50% shares · 25-50% voting01/01/2018
Mr William Webster
Individual · Scottish · DOB 01/1956 · age 70
25–50%
—25-50% shares06/04/2016
1 historic (ceased) PSC
  • Mr Alexander Lawrieceased 30/11/2017· 50-75% shares

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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TOOLDEN LIMITED→
SC453454 · est 2013
£2.60M
£1.95M–£3.25M
——5612y8563y
DUNCAN AND TODD LIMITED→
SC065757 · est 1978
£1.87M
£1.40M–£2.33M
——35147y8349y
BRODIE COUNTRYFARE LIMITED→
SC146184 · est 1993
£909.2k
£681.9k–£1.14M
——12132y8578y
BAYGLEN LIMITED→
SC271209 · est 2004
——£37.8k—21y8360y
GRAMPIAN POWERCLEAN EQUIPMENT LTD.→
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——£30.5k—23y8382y
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——£967.2k—23y8366y
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——£465.3k—19y8371y
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——£527.9k—46y8378y
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 →
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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
Incorporated1983-01-27
Jurisdictionscotland
Primary SIC47599 — Retail sale of furniture, lighting, and similar (not musical instruments or scores) in specialised stores

Registered office

40 Urquhart Road
Aberdeen
AB24 5LT
Scotland

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-11-14
Last: 2025-10-31

Officers (3 active · 2 resigned)

WEBSTER, William→
secretary · appointed 1991-05-31
View their other companies + combined net worth →
Active
WEBSTER, Stephen→
director · ~52y · appointed 2019-01-01
View their other companies + combined net worth →
Active
WEBSTER, William→
director · ~70y
View their other companies + combined net worth →
Active
SMART, Allan James→
secretary · resigned 1992-05-14
Resigned
LAWRIE, Alexander→
director · ~76y · resigned 2017-11-30
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property16/07/2001—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property28/06/2001—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (111 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-06
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-06-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-02-26