R. & M. DISTRIBUTION LIMITED

🌳Matureactive
SC099757 · ltd · incorporated 1986-06-25
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 38.9y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No material changes in the last 90 days.

Last 180 days

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

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2026
Net worth
£937.3k
book net assets
Opportunity
83/100
Exceptional
🔔
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What this business does
Primary activity: SIC 46439
Sector: Wholesale & retail
ALSO REGISTERED FOR
  • 46900Non-specialised wholesale trade
Investor take
Pursue
Active trading company with a 64-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 67/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 38.9y

50/100
clean up first

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

  • · Oldest live charge is 38.9 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 (85/100)

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

Company profile
address, 2 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 5 with DOB)
84
Ownership & PSC
1 active PSC(s) of 6 total, 6 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
123 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
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 £937,251
Cash YoY
+10%
Year on year

Key financials

3 years extracted from filed iXBRL accounts
Cash
£579k
↑ 10.0% YoY
Net Worth
£937k
↑ 3.8% YoY
Current Assets
£1.2m
↓ 11% YoY
Current Liabilities
—
£0£272k£545k£817k£1.1m£1.4mFeb 2024Feb 2025Feb 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-02-282025-02-282024-02-29
Total assets£937.3k£902.5k£883.7k
Current assets£1.21M£1.36M£1.27M
Cash£579.3k£526.8k£527.8k
Debtors£311.1k£520.5k£446.4k
Net assets£937.3k£902.5k£779.1k

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 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2026-07-08
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-06-11
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2024-06-24
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2023-06-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2023-01-23
    📄
    capital-name-of-class-of-shares
    capital · SH08
  6. 2023-01-17
    📄
    resolution
    resolution · RESOLUTIONS
  7. 2023-01-17
    📄
    memorandum-articles
    incorporation · MA
  8. 2022-11-11
    ➕
    HUNTER, Brian James appointed
    director
  9. 2022-11-11
    ➖
    THOMSON, James resigned
    secretary
  10. 2022-11-11
    ➖
    MACKIE, Robert resigned
    director
  11. 2022-11-11
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2022-11-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  13. 2022-11-11
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  14. 2022-11-11
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2022-11-11
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  16. 2022-09-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2022-09-16
    🔒
    Charge registered #2
    Lender: Steven Mackie
  18. 2022-08-30
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  19. 2022-08-30
    🔓
    Charge satisfied #1
  20. 2022-06-28
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  21. 2021-07-16
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  22. 2020-08-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2020-06-23
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  24. 2020-02-23
    ➖
    DUFF, Neil resigned
    director
  25. 2004-01-22
    ➕
    BROWN, Mandy appointed
    director
  26. 2004-01-22
    ➕
    DUFF, Neil appointed
    director
  27. 2003-07-16
    ➖
    MACKIE, Maureen resigned
    secretary
  28. 2003-07-16
    ➕
    THOMSON, James appointed
    secretary
  29. 2003-07-16
    ➖
    MACKIE, Maureen resigned
    director
  30. 1987-09-26
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  31. 1986-06-25
    🏢
    Company incorporated
    As R. & M. DISTRIBUTION LIMITED

Owner dependency

76/100
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.
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

86/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 40 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.)

Group structure

R. & M. Distribution Eot Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
R. & M. Distribution Eot Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
R. & M. DISTRIBUTION LIMITED
This company · SC099757

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
R. & M. Distribution Eot Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control11/11/2022
5 historic (ceased) PSCs
  • Mr Robert Mackieceased 11/11/2022· 50-75% shares · 50-75% voting · board control
  • Mr Neil Duffceased 06/04/2016· 50-75% shares · 50-75% voting
  • Mr Steven Gregg Mackieceased 06/04/2016· 25-50% shares · 25-50% voting
  • Miss Susan Mackieceased 06/04/2016· 25-50% shares · 25-50% voting
  • Mrs Mandy Brownceased 06/04/2016· 25-50% shares · 25-50% voting

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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated1986-06-25
Jurisdictionscotland
Primary SIC46439 — SIC 46439

Registered office

Unit 1, Carwhinny
Mitchelston Industrial Estate
Kirkcaldy
KY1 3LS

Filing status

Accounts
Next due: 2027-11-30
Last made up to: 2026-02-28
Confirmation statement
Next due: 2026-10-02
Last: 2025-09-18

Officers (2 active · 5 resigned)

BROWN, Mandy→
director · ~64y · appointed 2004-01-22
View their other companies + combined net worth →
Active
HUNTER, Brian James→
director · ~60y · appointed 2022-11-11
View their other companies + combined net worth →
Active
MACKIE, Maureen→
secretary · resigned 2003-07-16
Resigned
THOMSON, James→
secretary · appointed 2003-07-16 · resigned 2022-11-11
Resigned
DUFF, Neil→
director · ~70y · appointed 2004-01-22 · resigned 2020-02-23
Resigned
MACKIE, Maureen→
director · ~73y · resigned 2003-07-16
Resigned
MACKIE, Robert→
director · ~74y · resigned 2022-11-11
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Steven Mackie / Susan Mackie / Mandy Brown
A registered charge—16/09/2022—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property26/09/198730/08/2022
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (123 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-07-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-06-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-01
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-06-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-18
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-06-23
capital-name-of-class-of-shares
capital · SH08
2023-01-23
resolution
resolution · RESOLUTIONS
2023-01-17
memorandum-articles
incorporation · MA
2023-01-17
appoint-person-director-company-with-name-date
officers · AP01
2022-11-11
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2022-11-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-11
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-11-11