STEWART AGRICULTURAL LIMITED

🌳Matureactive
SC165316 · ltd · incorporated 1996-05-01
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 29.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: SIC 28302
Sector: Manufacturing
Investor take
Pursue
Active trading company with a 62-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 62). 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

2 live charges · 2 lenders · oldest 29.9y

50/100
clean up first

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

  • · Oldest live charge is 29.9 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: medium (56/100)

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
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 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
1 connected companies via shared directors
48
Filing history
75 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.

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 (26 events)Click to expand
  1. 2026-04-22
    📄
    accounts-with-accounts-type-full
    accounts · AA
  2. 2025-04-14
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  3. 2025-04-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2025-04-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2025-04-04
    📄
    accounts-with-accounts-type-full
    accounts · AA
  6. 2024-06-03
    📄
    accounts-with-accounts-type-full
    accounts · AA
  7. 2023-06-05
    📄
    accounts-with-accounts-type-full
    accounts · AA
  8. 2022-05-26
    📄
    accounts-with-accounts-type-full
    accounts · AA
  9. 2021-06-02
    📄
    accounts-with-accounts-type-full
    accounts · AA
  10. 2020-10-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2020-10-06
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
  12. 2020-05-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-04-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-04-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-04-25
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2016-05-17
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2016-05-09
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 1996-05-23
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  19. 1996-05-01
    🏢
    Company incorporated
    As STEWART AGRICULTURAL LIMITED
  20. 1996-05-01
    ➕
    STEWART, Mandy appointed
    secretary
  21. 1996-05-01
    ➕
    STEWART, James Charles appointed
    director
  22. 1996-05-01
    ➕
    STEWART, Mandy appointed
    director
  23. 1996-05-01
    ➕
    REID, Brian appointed
    nominee-secretary
  24. 1996-05-01
    ➖
    REID, Brian resigned
    nominee-secretary
  25. 1996-05-01
    ➕
    MABBOTT, Stephen appointed
    nominee-director
  26. 1996-05-01
    ➖
    MABBOTT, Stephen resigned
    nominee-director

Owner dependency

99/100
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 "STEWART" — 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.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100
Likely off-market candidate

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • 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
Mrs Mandy Stewart
Individual · British · DOB 02/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr James Charles Stewart
Individual · British · DOB 01/1964 · age 62
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

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
Incorporated1996-05-01
Jurisdictionscotland
Primary SIC28302 — SIC 28302

Registered office

Broadward
Daviot
Inverurie
Aberdeenshire
AB51 0JL

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-05-15
Last: 2025-05-01

Officers (3 active · 2 resigned)

STEWART, Mandy→
secretary · appointed 1996-05-01
View their other companies + combined net worth →
Active
STEWART, James Charles→
director · ~62y · appointed 1996-05-01
View their other companies + combined net worth →
Active
STEWART, Mandy→
director · ~59y · appointed 1996-05-01
View their other companies + combined net worth →
Active
REID, Brian→
nominee-secretary · appointed 1996-05-01 · resigned 1996-05-01
Resigned
MABBOTT, Stephen→
nominee-director · ~76y · appointed 1996-05-01 · resigned 1996-05-01
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
A registered charge—06/10/2020—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property23/05/1996—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (75 total)

accounts-with-accounts-type-full
accounts · AA
2026-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-05
change-person-secretary-company-with-change-date
officers · CH03
2025-04-14
change-person-director-company-with-change-date
officers · CH01
2025-04-14
change-person-director-company-with-change-date
officers · CH01
2025-04-14
accounts-with-accounts-type-full
accounts · AA
2025-04-04
accounts-with-accounts-type-full
accounts · AA
2024-06-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-07
accounts-with-accounts-type-full
accounts · AA
2023-06-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-12
accounts-with-accounts-type-full
accounts · AA
2022-05-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-02
accounts-with-accounts-type-full
accounts · AA
2021-06-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-10-08