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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 39.5y old — refinance window within 12 months
🔒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 39.5y

60/100
clean up first

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

  • · Oldest live charge is 39.5 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
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
7 officers (7 active, 7 linked, 6 with DOB)
87
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
109 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒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
70
Active, clean filings, stable charge profile.
Acquirability
75
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 · FRS 102
Profitable
Profit before tax £425,113

Key financials

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

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-09-302024-09-30
Profit before tax£425.1k£421.1k
Average employees242400

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
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2025-12-19
    📄
    accounts-with-accounts-type-full
    accounts · AA
  2. 2024-12-19
    📄
    accounts-with-accounts-type-full
    accounts · AA
  3. 2024-02-20
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2024-01-31
    📄
    accounts-with-accounts-type-full
    accounts · AA
  5. 2023-02-27
    📄
    accounts-with-accounts-type-full
    accounts · AA
  6. 2022-03-11
    📄
    accounts-with-accounts-type-full
    accounts · AA
  7. 2021-03-04
    📄
    accounts-with-accounts-type-full
    accounts · AA
  8. 2020-05-26
    📄
    accounts-with-accounts-type-full
    accounts · AA
  9. 2019-04-18
    📄
    accounts-with-accounts-type-full
    accounts · AA
  10. 2018-08-30
    📄
    capital-allotment-shares
    capital · SH01
  11. 2018-08-30
    📄
    capital-return-purchase-own-shares
    capital · SH03
  12. 2018-04-04
    📄
    capital-allotment-shares
    capital · SH01
  13. 2018-04-04
    📄
    capital-return-purchase-own-shares
    capital · SH03
  14. 2018-02-07
    📄
    accounts-with-accounts-type-full
    accounts · AA
  15. 2017-01-19
    📄
    accounts-with-accounts-type-full
    accounts · AA
  16. 2016-01-15
    ➕
    AYRES, Suzanne appointed
    director
  17. 2016-01-15
    ➕
    MYLIUS, Victoria appointed
    director
  18. 2016-01-15
    ➕
    WRIGLEY, David Charles appointed
    director
  19. 2016-01-15
    ➕
    WRIGLEY, Rosemary appointed
    director
  20. 2015-03-26
    🔒
    Charge registered #4
    Lender: Rbs Invoice Finance Limited
  21. 1991-06-21
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  22. 1987-12-08
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  23. 1986-11-03
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  24. 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
NameSharesVoting rightsNature of controlNotified
Mrs Rosalind Low
Individual · British · DOB 11/1941 · age 85
50–75%
50–75%50-75% shares · 50-75% voting06/04/2016
Mr David Murray Low
Individual · British · DOB 02/1937 · age 89
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.

🔒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

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
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

Officers (7 active · 0 resigned)

LOW, Rosalind→
secretary
View their other companies + combined net worth →
Active
AYRES, Suzanne→
director · ~57y · appointed 2016-01-15
View their other companies + combined net worth →
Active
LOW, David Murray→
director · ~89y
View their other companies + combined net worth →
Active
LOW, Rosalind→
director · ~85y
View their other companies + combined net worth →
Active
MYLIUS, Victoria→
director · ~55y · appointed 2016-01-15
View their other companies + combined net worth →
Active
WRIGLEY, David Charles→
director · ~56y · appointed 2016-01-15
View their other companies + combined net worth →
Active
WRIGLEY, Rosemary→
director · ~52y · appointed 2016-01-15
View their other companies + combined net worth →
Active

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

Mortgages & charges

4
Total charges
4
Outstanding
2
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
NatWest Group
Rbs Invoice Finance Limited
A registered charge1 property26/03/2015—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property21/06/1991—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Letter of agreement1 property08/12/1987—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property03/11/1986—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (109 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-12
accounts-with-accounts-type-full
accounts · AA
2025-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-17
accounts-with-accounts-type-full
accounts · AA
2024-12-19
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-02-20
accounts-with-accounts-type-full
accounts · AA
2024-01-31
accounts-with-accounts-type-full
accounts · AA
2023-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-16
accounts-with-accounts-type-full
accounts · AA
2022-03-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-31
accounts-with-accounts-type-full
accounts · AA
2021-03-04
accounts-with-accounts-type-full
accounts · AA
2020-05-26
confirmation-statement-with-updates
confirmation-statement · CS01
2020-02-03