D CRAM BODY REPAIRS LIMITED

🌳Matureactive
SC164802 · ltd · incorporated 1996-04-10
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2024
Net worth
£298.2k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: SIC 45200
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 67). 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: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 29.8y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 29.8 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

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 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
73 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
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 £298,249
Net assets shrinking
Down £993 YoY
Cash YoY
-22%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£263k
↓ 22% YoY
Net Worth
£298k
~ YoY
Current Assets
£729k
↑ 1.7% YoY
Current Liabilities
—
£0£146k£291k£437k£583k£729kJul 2023Jul 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-07-312023-07-31
Total assets£314.1k£325.8k
Current assets£728.7k£716.8k
Cash£263.0k£337.3k
Debtors£390.7k£339.5k
Net assets£298.2k£299.2k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal 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 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2025-04-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2024-04-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2023-04-21
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2022-04-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2021-07-08
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2020-04-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2019-04-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2018-04-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2017-04-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  10. 2016-04-22
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  11. 2016-04-21
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-04-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2016-04-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2016-04-18
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  15. 2015-06-01
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 1996-07-31
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  17. 1996-04-10
    🏢
    Company incorporated
    As D CRAM BODY REPAIRS LIMITED
  18. 1996-04-10
    ➕
    CRAM, Sheena appointed
    secretary
  19. 1996-04-10
    ➕
    CRAM, Derek appointed
    director
  20. 1996-04-10
    ➕
    CRAM, Sheena appointed
    director
  21. 1996-04-10
    ➕
    REID, Brian appointed
    nominee-secretary
  22. 1996-04-10
    ➖
    REID, Brian resigned
    nominee-secretary
  23. 1996-04-10
    ➕
    MABBOTT, Stephen appointed
    nominee-director
  24. 1996-04-10
    ➖
    MABBOTT, Stephen resigned
    nominee-director

Owner dependency

100/100
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 name in company name: Company name contains director surname "CRAM" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

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 67. 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 30 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 30 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
Mr Derek Cram
Individual · British · DOB 02/1961 · age 65
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
Mrs Sheena Cram
Individual · British · DOB 02/1959 · age 67
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016

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

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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 →
🔒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
Incorporated1996-04-10
Jurisdictionscotland
Primary SIC45200 — SIC 45200

Registered office

Unit 5 Castle Crescent
Bankside Industrial Estate
Falkirk
Stirlingshire
FK2 7XY

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-07-31
Confirmation statement
Next due: 2027-04-24
Last: 2026-04-10

Officers (3 active · 2 resigned)

CRAM, Sheena→
secretary · appointed 1996-04-10
View their other companies + combined net worth →
Active
CRAM, Derek→
director · ~65y · appointed 1996-04-10
View their other companies + combined net worth →
Active
CRAM, Sheena→
director · ~67y · appointed 1996-04-10
View their other companies + combined net worth →
Active
REID, Brian→
nominee-secretary · appointed 1996-04-10 · resigned 1996-04-10
Resigned
MABBOTT, Stephen→
nominee-director · ~76y · appointed 1996-04-10 · resigned 1996-04-10
Resigned

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
TypeProperties
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property31/07/1996—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (73 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-04-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-04-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-04-29
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-07-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-04-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-05-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-04-30