MACKAYS OF DINGWALL LIMITED

🌳Matureactive
SC177001 · ltd · incorporated 1997-07-07
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No material changes in the last 90 days.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒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: Sale of new cars and light motor vehicles
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 74-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 67/100. Strong seller-intent signal (83/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 39.5y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 39.5 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (58/100)

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
101 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 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 (32 events)Click to expand
  1. 2025-10-08
    📄
    accounts-with-accounts-type-group
    accounts · AA
  2. 2025-04-04
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  3. 2025-04-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  4. 2025-04-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  5. 2024-10-04
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  6. 2024-10-04
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2024-10-04
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2024-09-30
    📄
    accounts-with-accounts-type-group
    accounts · AA
  9. 2023-10-16
    📄
    accounts-with-accounts-type-group
    accounts · AA
  10. 2022-10-07
    📄
    accounts-with-accounts-type-group
    accounts · AA
  11. 2022-02-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2021-12-23
    📄
    accounts-with-accounts-type-group
    accounts · AA
  13. 2021-03-25
    📄
    accounts-with-accounts-type-group
    accounts · AA
  14. 2020-10-30
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  15. 2020-10-30
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  16. 2020-10-30
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  17. 2019-10-03
    📄
    accounts-with-accounts-type-group
    accounts · AA
  18. 2012-03-14
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  19. 2007-10-05
    🔓
    Charge satisfied #2
  20. 2007-07-10
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  21. 2003-03-21
    🔒
    Charge registered #1
    Lender: The Scottish Ministers
  22. 1997-10-20
    ➕
    MCMILLAN, Joan appointed
    secretary
  23. 1997-10-20
    ➕
    MACKAY, Muir appointed
    director
  24. 1997-10-20
    ➕
    MANSON, John Muir appointed
    director
  25. 1997-10-20
    ➖
    D.W. COMPANY SERVICES LIMITED resigned
    corporate-nominee-secretary
  26. 1997-10-20
    ➖
    COUTTS, Maureen Sheila resigned
    nominee-director
  27. 1997-10-20
    ➖
    POLSON, Michael Buchanan resigned
    nominee-director
  28. 1997-07-07
    🏢
    Company incorporated
    As MACKAYS OF DINGWALL LIMITED
  29. 1997-07-07
    ➕
    D.W. COMPANY SERVICES LIMITED appointed
    corporate-nominee-secretary
  30. 1997-07-07
    ➕
    COUTTS, Maureen Sheila appointed
    nominee-director
  31. 1997-07-07
    ➕
    POLSON, Michael Buchanan appointed
    nominee-director
  32. 1987-01-26
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland

Owner dependency

98/100
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 "MACKAY" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 74 — succession pressure is live.

Succession & seller-readiness

96/100
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 74 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 29 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.)

Group structure

Mod Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Mod Holdings Ltd
Corporate parent · holds 75-100% shares
ultimate parent
⬇
MACKAYS OF DINGWALL LIMITED
This company · SC177001

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mod Holdings Ltd
Corporate entity
75–100%
—75-100% shares28/10/2024
2 historic (ceased) PSCs
  • Mr Muir Mackayceased 28/10/2024· 25-50% shares
  • Mr John Muir Mansonceased 28/10/2024· 25-50% shares

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 →

Similar companies

Active · Automotive · IV postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
HIGHLAND MOTOR PARTS LIMITED→
SC228871 · est 2002
£9.39M
£7.51M–£11.26M
——7524y8864y
DONALD MACKENZIE LIMITED→
SC058445 · est 1975
£794.4k
£635.5k–£953.2k
——4950y8768y
CULLODEN CAR SALES LTD.→
SC222206 · est 2001
——£2.10M—24y8358y
SEVILLE 2011 LIMITED→
SC389852 · est 2010
——£83.1k—15y8358y
SGM CARS LTD→
SC384911 · est 2010 · no financials extracted
————15y8359y
AUTOCARE (INVERNESS) LIMITED→
SC203216 · est 2000
——£178.1k—26y8265y
DANZAN LIMITED→
SC248100 · est 2003
———223y8272y
DINGWALL PANEL BEATERS LIMITED→
SC214001 · est 2000
——£137.8k—25y8262y
DUNLOPS MOTOR FACTORS (HIGHLAND) LTD.→
SC216519 · est 2001
——£81.1k—25y8272y
FLEET MANAGEMENT SERVICES (UK) LIMITED→
SC211499 · est 2000
———90025y8269y
GODSMAN TYRES & EXHAUSTS LIMITED→
SC252460 · est 2003
——£122.5k—23y8264y
J R MOTORS (ELGIN) LIMITED→
SC288973 · est 2005
——£77.0k—20y8265y
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
Incorporated1997-07-07
Jurisdictionscotland
Primary SIC45111 — Sale of new cars and light motor vehicles

Registered office

40 Harbour Road
Inverness
IV1 1LY
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-07-21
Last: 2026-07-07

Officers (3 active · 3 resigned)

MCMILLAN, Joan→
secretary · appointed 1997-10-20
View their other companies + combined net worth →
Active
MACKAY, Muir→
director · ~67y · appointed 1997-10-20
View their other companies + combined net worth →
Active
MANSON, John Muir→
director · ~74y · appointed 1997-10-20
View their other companies + combined net worth →
Active
D.W. COMPANY SERVICES LIMITED→
corporate-nominee-secretary · appointed 1997-07-07 · resigned 1997-10-20
Resigned
COUTTS, Maureen Sheila→
nominee-director · appointed 1997-07-07 · resigned 1997-10-20
Resigned
POLSON, Michael Buchanan→
nominee-director · ~62y · appointed 1997-07-07 · resigned 1997-10-20
Resigned

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

Mortgages & charges

4
Total charges
3
Outstanding
2
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Floating charge1 property14/03/2012—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property10/07/2007—
outstanding
The Scottish Ministers
Standard security1 property21/03/2003—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property26/01/198705/10/2007
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (101 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-09
accounts-with-accounts-type-group
accounts · AA
2025-10-08
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-07
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-04-04
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-04-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-04-03
change-person-secretary-company-with-change-date
officers · CH03
2024-10-04
change-person-director-company-with-change-date
officers · CH01
2024-10-04
change-person-director-company-with-change-date
officers · CH01
2024-10-04
accounts-with-accounts-type-group
accounts · AA
2024-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-08
accounts-with-accounts-type-group
accounts · AA
2023-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-11
accounts-with-accounts-type-group
accounts · AA
2022-10-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-20