BREAKING POINT LIMITED

🌳Matureactive
SC167411 · ltd · incorporated 1996-07-31
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 27.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£22.6k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: SIC 45400
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 61-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 61). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 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 · oldest 27.7y

65/100
clean up first

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

  • · Oldest live charge is 27.7 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 (76/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 2 with DOB)
76
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
79 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
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 £22,576
Net assets shrinking
Down £728 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£23k
↓ 3.1% YoY
Current Assets
£471
↓ 87% YoY
Current Liabilities
—
£0£5k£9k£14k£19k£23kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Total assets£27.3k£31.0k
Current assets£471£3.7k
Net assets£22.6k£23.3k

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

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2026-03-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-05-02
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  4. 2024-05-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-05-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-09-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-07-31
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  9. 2021-07-22
    📄
    dissolved-compulsory-strike-off-suspended
    dissolution · DISS16(SOAS)
  10. 2021-06-29
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  11. 2020-05-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2019-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2018-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2017-05-31
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-04-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2009-08-01
    ➕
    HALL, Derek appointed
    secretary
  17. 2009-07-31
    ➖
    SPENCE, Georgina resigned
    secretary
  18. 1999-08-01
    ➕
    SPENCE, Georgina appointed
    secretary
  19. 1999-07-31
    ➖
    RITCHIE, Gerald Ian Harvey resigned
    secretary
  20. 1998-08-24
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  21. 1998-08-14
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  22. 1996-08-09
    ➕
    COWIE, Derek John appointed
    director
  23. 1996-08-09
    ➕
    PEEBLES, George Edward appointed
    director
  24. 1996-08-09
    ➖
    KEITH, John Leonard resigned
    secretary
  25. 1996-08-09
    ➕
    RITCHIE, Gerald Ian Harvey appointed
    secretary
  26. 1996-08-09
    ➖
    PROFESSIONAL FORMATIONS & SEARCHES LTD resigned
    corporate-director
  27. 1996-07-31
    🏢
    Company incorporated
    As BREAKING POINT LIMITED
  28. 1996-07-31
    ➕
    KEITH, John Leonard appointed
    secretary
  29. 1996-07-31
    ➕
    PROFESSIONAL FORMATIONS & SEARCHES LTD appointed
    corporate-director

Owner dependency

76/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.

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 61. 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Derek John Cowie
Individual · British · DOB 06/1965 · age 61
——sig. influencesignificant influence01/07/2016

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

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
Incorporated1996-07-31
Jurisdictionscotland
Primary SIC45400 — SIC 45400

Registered office

10 Cabels Lane
Torry
Aberdeen
AB11 9AD

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-08-09
Last: 2025-07-26

Officers (3 active · 4 resigned)

HALL, Derek→
secretary · appointed 2009-08-01
View their other companies + combined net worth →
Active
COWIE, Derek John→
director · ~61y · appointed 1996-08-09
View their other companies + combined net worth →
Active
PEEBLES, George Edward→
director · ~61y · appointed 1996-08-09
View their other companies + combined net worth →
Active
KEITH, John Leonard→
secretary · appointed 1996-07-31 · resigned 1996-08-09
Resigned
RITCHIE, Gerald Ian Harvey→
secretary · appointed 1996-08-09 · resigned 1999-07-31
Resigned
SPENCE, Georgina→
secretary · appointed 1999-08-01 · resigned 2009-07-31
Resigned
PROFESSIONAL FORMATIONS & SEARCHES LTD→
corporate-director · appointed 1996-07-31 · resigned 1996-08-09
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 Public Limited Company
Standard security1 property24/08/1998—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property14/08/1998—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (79 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-31
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-29
change-person-secretary-company-with-change-date
officers · CH03
2024-05-02
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-29
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-26
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-29
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-27
gazette-filings-brought-up-to-date
gazette · DISS40
2021-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-30
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2021-07-22
gazette-notice-compulsory
gazette · GAZ1
2021-06-29