FERGUSONS OF STIRLING LIMITED
🌳Matureactive
SC104045 · ltd · incorporated 1987-04-08
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 39.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Retail trade of motor vehicle parts and accessories
Sector: Wholesale & retail
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
1 live charge · oldest 39.0y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 39.0 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
1 charges (1/1 with lender, 1/1 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
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Average employees | 200 | 200 |
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
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-01-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-08📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-05-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-05-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-01-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-12📄change-person-director-company-with-change-dateofficers · CH01
- 2021-02-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-01-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-02📄capital-allotment-sharescapital · SH01
- 2019-02-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-10📄change-person-director-company-with-change-dateofficers · CH01
- 2018-11-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-11-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-11-07➖LAING, Michael Robinson resigneddirector
- 2018-11-05➕LAING, Andrew Michael appointeddirector
- 2018-11-05➕LAING, Thomas Ronald appointeddirector
- 1996-09-30➕LAING, Andrew appointedsecretary
- 1996-09-30➖LAING, Thelma resignedsecretary
- 1987-05-13🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 1987-04-08🏢Company incorporatedAs FERGUSONS OF STIRLING LIMITED
Owner dependency
66/100
High — earn-out structure requiredMaterial 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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 39 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanNo 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 Thomas Ronald Laing Individual · British · DOB 03/1974 · age 52 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 08/05/2025 |
Mr Andrew Michael Laing Individual · British · DOB 11/1972 · age 54 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 08/05/2025 |
1 historic (ceased) PSC
- Mr Michael Robinson Laingceased 08/05/2025· 75-100% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| DRIVE ZEST LTD→ SC877422 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| FAIRDEAL TYRES LTD.→ SC233638 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| FORTH VALLEY DENTS LTD→ SC696121 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| GLENFOOT LTD→ SC859184 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GLENGYLE GARAGE LIMITED→ SC059483 · est 1976 · no financials extracted | — | — | — | — | 50y | — | — |
| GYPSUM CONSTRUCTION (SCOTLAND) LIMITED→ SC027580 · est 1950 · no financials extracted | — | — | — | — | 76y | — | — |
| H & J BURGOYNE (VAN SALES) LIMITED→ SC328455 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| H J VANS LTD→ SC841141 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| HUGHES CAR GROUP LIMITED→ SC863754 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HUNTERS BODYSHOP LIMITED→ SC843033 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| I.M.S. ENGINEERING (SCOTLAND) LTD→ SC388513 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| IAN GRIEVE (FALKIRK) LIMITED→ SC327232 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
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
Incorporated1987-04-08
Jurisdictionscotland
Primary SIC45320 — Retail trade of motor vehicle parts and accessories
Registered office
2 Cunningham Road
Stirling
FK7 7SW
Scotland
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-05-30
Last: 2025-05-16
Officers (3 active · 2 resigned)
Active
LAING, Andrew Michael→
Activedirector · ~54y · appointed 2018-11-05
View their other companies + combined net worth →
LAING, Thomas Ronald→
Activedirector · ~52y · appointed 2018-11-05
View their other companies + combined net worth →
LAING, Thelma→
Resignedsecretary · resigned 1996-09-30
LAING, Michael Robinson→
Resigneddirector · ~84y · resigned 2018-11-07
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 13/05/1987 | — |
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
2026-01-16
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-05-08
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-05-08
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-05-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-03
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-08
change-person-director-company-with-change-date
officers · CH01
2021-02-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-10