PETERHEAD HARDWARE & DIY LIMITED

🌳Matureactive
SC178606 · ltd · incorporated 1997-09-08
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 28.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£4.26M
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Retail sale of hardware, paints and glass in specialised stores
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 (63/100, director aged 67). 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 28.6y

65/100
clean up first

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

  • · Oldest live charge is 28.6 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 (79/100)

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
5 officers (4 active, 5 linked, 4 with DOB)
86
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
88 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 £4,259,344
Cash YoY
-8%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£2.5m
↓ 8.0% YoY
Net Worth
£4.3m
~ YoY
Current Assets
£3.9m
↓ 8.1% YoY
Current Liabilities
—
£0£859k£1.7m£2.6m£3.4m£4.3mSept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Total assets£4.33M£4.30M
Current assets£3.95M£4.30M
Cash£2.49M£2.71M
Debtors£827.3k£986.8k
Net assets£4.26M£4.23M

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
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2026-04-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-05-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-06-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-06-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-07-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-09-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  9. 2019-04-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-11-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2018-11-16
    📄
    statement-of-companys-objects
    change-of-constitution · CC04
  12. 2018-11-16
    📄
    resolution
    resolution · RESOLUTIONS
  13. 2018-11-07
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  14. 2018-11-07
    📄
    capital-name-of-class-of-shares
    capital · SH08
  15. 2018-10-25
    ➕
    TAYLOR, Michael Gilbert appointed
    director
  16. 2018-09-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  17. 2018-04-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2010-10-01
    ➕
    TAYLOR, Norma appointed
    director
  19. 1997-10-21
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  20. 1997-10-01
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  21. 1997-09-08
    🏢
    Company incorporated
    As PETERHEAD HARDWARE & DIY LIMITED
  22. 1997-09-08
    ➕
    MASSON GLENNIE LLP appointed
    corporate-secretary
  23. 1997-09-08
    ➕
    TAYLOR, Gilbert Alexander appointed
    director
  24. 1997-09-08
    ➕
    MILTON, Bruce appointed
    director
  25. 1997-09-08
    ➖
    MILTON, Bruce resigned
    director

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 29 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

80/100
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.
  • 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.)

Shareholders & ownership

3 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Gilbert Alexander Taylor
Individual · British · DOB 11/1959 · age 67
75–100%
—75-100% shares06/04/2016
Mr Michael Gilbert Taylor
Individual · British · DOB 11/1985 · age 41
25–50%
—25-50% shares25/10/2018
Mrs Norma Taylor
Individual · Scottish · DOB 02/1962 · age 64
25–50%
—25-50% shares14/09/2017

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

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
Incorporated1997-09-08
Jurisdictionscotland
Primary SIC47520 — Retail sale of hardware, paints and glass in specialised stores

Registered office

Broad House
Broad Street
Peterhead
Aberdeenshire
AB42 1HY

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-09-22
Last: 2025-09-08

Officers (4 active · 1 resigned)

MASSON GLENNIE LLP→
corporate-secretary · appointed 1997-09-08
View their other companies + combined net worth →
Active
TAYLOR, Gilbert Alexander→
director · ~67y · appointed 1997-09-08
View their other companies + combined net worth →
Active
TAYLOR, Michael Gilbert→
director · ~41y · appointed 2018-10-25
View their other companies + combined net worth →
Active
TAYLOR, Norma→
director · ~64y · appointed 2010-10-01
View their other companies + combined net worth →
Active
MILTON, Bruce→
director · ~69y · appointed 1997-09-08 · resigned 1997-09-08
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 property21/10/1997—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property01/10/1997—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (88 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-13
confirmation-statement-with-updates
confirmation-statement · CS01
2019-09-19
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2019-09-19