LOWS OF DUNDEE LIMITED

🌳Matureactive

SC100628 · ltd · incorporated 1986-08-26

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

Opportunity decay

approaching window · 12-months

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

· Oldest live charge 39.7y 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 Sept 2025

Net worth

—

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Non-specialised wholesale trade

Sector: Wholesale & retail

Investor take

Pursue

Leverage-led grower with a 89-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 65/100. Strong seller-intent signal (63/100, director aged 89). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (78/100).

🏦

Refinance opportunity

4 live charges · 2 lenders · oldest 39.7y

60/100

clean up first

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

· Oldest live charge is 39.7 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.
· Profitable and stable/growing — lender coverage supportable.

Data confidence

Overall: high (80/100)

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 (7 active, 7 linked, 6 with DOB)

Ownership & PSC

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

Director network

2 connected companies via shared directors

Filing history

109 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

80/100Exceptional

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 · FRS 102

Profitable

Profit before tax £425,113

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-09-30	2024-09-30
Profit before tax	£425.1k	£421.1k
Average employees	24	2400

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (24 events)Click to expand

2025-12-19
📄
accounts-with-accounts-type-full
accounts · AA
2024-12-19
📄
accounts-with-accounts-type-full
accounts · AA
2024-02-20
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-01-31
📄
accounts-with-accounts-type-full
accounts · AA
2023-02-27
📄
accounts-with-accounts-type-full
accounts · AA
2022-03-11
📄
accounts-with-accounts-type-full
accounts · AA
2021-03-04
📄
accounts-with-accounts-type-full
accounts · AA
2020-05-26
📄
accounts-with-accounts-type-full
accounts · AA
2019-04-18
📄
accounts-with-accounts-type-full
accounts · AA
2018-08-30
📄
capital-allotment-shares
capital · SH01
2018-08-30
📄
capital-return-purchase-own-shares
capital · SH03
2018-04-04
📄
capital-allotment-shares
capital · SH01
2018-04-04
📄
capital-return-purchase-own-shares
capital · SH03
2018-02-07
📄
accounts-with-accounts-type-full
accounts · AA
2017-01-19
📄
accounts-with-accounts-type-full
accounts · AA
2016-01-15
➕
AYRES, Suzanne appointed
director
2016-01-15
➕
MYLIUS, Victoria appointed
director
2016-01-15
➕
WRIGLEY, David Charles appointed
director
2016-01-15
➕
WRIGLEY, Rosemary appointed
director
2015-03-26
🔒
Charge registered #4
Lender: Rbs Invoice Finance Limited
1991-06-21
🔒
Charge registered #3
Lender: The Royal Bank of Scotland PLC
1987-12-08
🔒
Charge registered #2
Lender: The Royal Bank of Scotland PLC
1986-11-03
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
1986-08-26
🏢
Company incorporated
As LOWS OF DUNDEE LIMITED

Owner dependency

63/100

High — earn-out structure required

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

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+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

75/100

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.
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.)

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mrs Rosalind Low Individual · British · DOB 11/1941 · age 85	50–75%	50–75%	50-75% shares · 50-75% voting	06/04/2016
Mr David Murray Low Individual · British · DOB 02/1937 · age 89	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.

See pricing →

Similar companies

Active · Wholesale & distribution · DD postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ANGUS SOFT FRUITS LIMITED→ SC185769 · est 1998	£7.25M £5.44M–£9.07M	—	—	—	28y	80	75y
AYDYA LIMITED→ SC367967 · est 2009	£6.95M £5.21M–£8.69M	—	—	21	16y	83	56y
AGRICAR LIMITED→ SC100191 · est 1986	£1.50M £1.13M–£1.88M	—	—	111	39y	81	83y
BUCKLER BOOTS LIMITED→ SC182006 · est 1998	—	—	—	20	28y	83	82y
ABF WORKSPACE LIMITED→ SC394840 · est 2011	—	—	—	3	15y	82	58y
ANGUS HEATHERS LIMITED→ SC201814 · est 1999	—	—	—	100	26y	82	66y
DWK OFFICE SOLUTIONS LIMITED→ SC258582 · est 2003	—	—	—	0	22y	82	67y
H.W. COMERY LIMITED→ SC055368 · est 1974	—	—	£735.5k	—	52y	82	78y
HARBOUR ENGINEERING (ABERDEEN) LIMITED→ SC076946 · est 1981	—	—	£21.9k	—	44y	82	71y
JAMES CRAMOND LIMITED→ SC248481 · est 2003	—	—	—	2	23y	82	74y
JAMES MACKIE (DUNDEE) LIMITED→ SC255780 · est 2003	—	—	—	600	22y	82	63y
KINNEFF FARMS LIMITED→ SC392512 · est 2011	—	—	—	200	15y	82	84y

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.

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Company details

Statusactive

Typeltd

Incorporated1986-08-26

Jurisdictionscotland

Primary SIC46900 — Non-specialised wholesale trade

Registered office

Marrbank House

6 Paradise Road

Dundee

DD1 1JB

Scotland

Filing status

Accounts

Next due: 2027-06-30

Last made up to: 2025-09-30

Confirmation statement

Next due: 2027-02-14

Last: 2026-01-31