JACK CARMICHAEL (FLOORING) LIMITED
🌳Matureactive
SC178799 · ltd · incorporated 1997-09-16
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 28.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£646.4k
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 72/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
3 live charges · oldest 28.5y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 28.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
10 officers (3 active, 10 linked, 6 with DOB)
82
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
119 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £646,414
Cash YoY
+45%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£616k
↑ 45% YoY
Net Worth
£646k
↑ 26% YoY
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Cash | £615.6k | £425.9k |
| Net assets | £646.4k | £512.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 signals 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 officers
Last 90 days
1
filing
- • 1 officers
Last 180 days
1
filing
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
- 2026-04-28📄replacement-filing-of-director-appointment-with-nameofficers · RP01AP01
- 2025-05-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-05-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC06
- 2025-02-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC03
- 2024-11-01📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-10-31📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-10-31📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-10-31📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-10-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-29➕CAMPBELL, Ross Alexander appointedsecretary
- 2024-10-29➕CAMPBELL, Ross Alexander appointeddirector
- 2024-10-29➕CHRISTIE, Aaron James appointeddirector
- 2024-10-29➖CARMICHAEL, Faye Louise resignedsecretary
- 2024-10-29➖CARMICHAEL, Neil David resigneddirector
- 2024-10-22📍move-registers-to-registered-office-company-with-new-addressaddress · AD04
- 2024-06-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-04📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-04📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-05-04📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2020-04-24➖SEY, Colin James Peter resigneddirector
- 2016-03-30🔓Charge satisfied #4
- 2016-03-30🔓Charge satisfied #3
- 2016-03-30🔓Charge satisfied #2
- 2011-04-08➕CARMICHAEL, Faye Louise appointedsecretary
- 2011-04-08➖CARMICHAEL, Frances resignedsecretary
- 2011-04-08➖CARMICHAEL, Frances resigneddirector
- 2007-07-01➕SEY, Colin James Peter appointeddirector
- 2006-02-15🔒Charge registered #4Lender: The Governor and Company of the Bank of Scotland
- 2001-03-26🔒Charge registered #3Lender: The Governor and Company of the Bank of Scotland
- 1997-11-14🔒Charge registered #2Lender: The Governor and Company of the Bank of Scotland
- 1997-09-16🏢Company incorporatedAs JACK CARMICHAEL (FLOORING) LIMITED
- 1997-09-16➕CARMICHAEL, Frances appointedsecretary
- 1997-09-16➕REID, Brian appointednominee-secretary
- 1997-09-16➖REID, Brian resignednominee-secretary
- 1997-09-16➕CARMICHAEL, Frances appointeddirector
- 1997-09-16➕CARMICHAEL, Neil David appointeddirector
- 1997-09-16➕MABBOTT, Stephen appointednominee-director
- 1997-09-16➖MABBOTT, Stephen resignednominee-director
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Aaron James Christie Individual · British · DOB 07/1991 · age 35 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 29/10/2024 |
Ross Alexander Campbell Individual | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 29/10/2024 |
1 historic (ceased) PSC
- Carmichael Holdings (Scotland) Ltdceased 29/10/2024· 75-100% shares · 75-100% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Trade services · IV postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| HOSPITALITY MANAGEMENT SUPPORT LTD→ SC625628 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| HUGH ROSS FABRICATIONS LTD.→ SC311305 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| I.A.M FARMING LTD→ SC497247 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| IDONNAEKNO CONSTRUCTION LTD→ SC493322 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| J - FAB PROJECT SERVICES LTD→ SC785175 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| JCN PIPING DESIGN LTD→ SC619961 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| JFC GROUNDWORKS LTD→ SC463396 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| JK QUALITY LTD→ SC825686 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| JL CRYSTAL CLEANS LTD→ SC854900 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JOANNA JOHNSTON AESTHETICS & SKIN LIMITED→ SC868269 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JOE LYON PROJECTS LTD→ SC844521 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| JOHN MORRISON TIMBER PRESERVATION LTD.→ SC171093 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
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
Incorporated1997-09-16
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.
Registered office
10 Pinefield Parade
Elgin
Moray
IV30 6AG
Scotland
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-05-14
Last: 2025-04-30
Officers (3 active · 7 resigned)
CAMPBELL, Ross Alexander→
Activesecretary · appointed 2024-10-29
View their other companies + combined net worth →
CAMPBELL, Ross Alexander→
Activedirector · ~31y · appointed 2024-10-29
View their other companies + combined net worth →
CHRISTIE, Aaron James→
Activedirector · ~35y · appointed 2024-10-29
View their other companies + combined net worth →
CARMICHAEL, Faye Louise→
Resignedsecretary · appointed 2011-04-08 · resigned 2024-10-29
CARMICHAEL, Frances→
Resignedsecretary · appointed 1997-09-16 · resigned 2011-04-08
REID, Brian→
Resignednominee-secretary · appointed 1997-09-16 · resigned 1997-09-16
CARMICHAEL, Frances→
Resigneddirector · ~75y · appointed 1997-09-16 · resigned 2011-04-08
CARMICHAEL, Neil David→
Resigneddirector · ~50y · appointed 1997-09-16 · resigned 2024-10-29
MABBOTT, Stephen→
Resignednominee-director · ~76y · appointed 1997-09-16 · resigned 1997-09-16
SEY, Colin James Peter→
Resigneddirector · ~45y · appointed 2007-07-01 · resigned 2020-04-24
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 15/02/2006 | 30/03/2016 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 26/03/2001 | 30/03/2016 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 14/11/1997 | 30/03/2016 |
Recent filings (119 total)
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2026-04-28
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC06
2025-05-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-13
termination-director-company-with-name-termination-date
officers · TM01
2024-11-01
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC03
2024-11-01
appoint-person-secretary-company-with-name-date
officers · AP03
2024-11-01
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-10-31
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-10-31
termination-secretary-company-with-name-termination-date
officers · TM02
2024-10-31
appoint-person-director-company-with-name-date
officers · AP01
2024-10-31
appoint-person-director-company-with-name-date
officers · AP01
2024-10-31
move-registers-to-registered-office-company-with-new-address
address · AD04
2024-10-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-28