KER-NI CONSULTANCY LIMITED
🌳Matureactive
SC193924 · ltd · incorporated 1999-03-02
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 22.9y old — refinance window within 12 months
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
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
79/100
Strong
What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
PursueActive trading company with a 76-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 76). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
14 live charges · 2 lenders · oldest 22.9y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 22.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: low (54/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
14 charges (14/14 with lender, 14/14 with type)
90
Directors & officers
7 officers (4 active, 7 linked, 4 with DOB)
81
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
96 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (54 events)Click to expand
- 2025-06-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-27🔓Charge satisfied #10
- 2025-01-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-01-22🔓Charge satisfied #11
- 2024-06-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-06-21🔓Charge satisfied #14
- 2024-06-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-06-03🔓Charge satisfied #9
- 2024-05-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-07-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-05-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-05-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-05-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-05-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-05-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-05-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-05-14🔓Charge satisfied #7
- 2019-05-14🔓Charge satisfied #6
- 2019-05-14🔓Charge satisfied #5
- 2019-05-14🔓Charge satisfied #4
- 2019-05-14🔓Charge satisfied #3
- 2019-05-14🔓Charge satisfied #2
- 2019-05-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-05-03🔓Charge satisfied #1
- 2019-04-23🔒Charge registered #14Lender: Bank of Scotland PLC
- 2019-04-23🔒Charge registered #13Lender: Bank of Scotland PLC
- 2019-04-23🔒Charge registered #12Lender: Bank of Scotland PLC
- 2019-04-23🔒Charge registered #11Lender: Bank of Scotland PLC
- 2019-04-23🔒Charge registered #10Lender: Bank of Scotland PLC
- 2019-04-23🔒Charge registered #9Lender: Bank of Scotland PLC
- 2019-04-12🔒Charge registered #8Lender: Bank of Scotland PLC
- 2018-10-16➕HENSBY, Nicola Jane appointeddirector
- 2018-08-01➖GILMOUR, Kerry resigneddirector
- 2015-04-30➕GILMOUR, Kerry appointeddirector
- 2014-04-10➕GILMOUR, Margaret appointeddirector
- 2005-05-12🔒Charge registered #7Lender: The Royal Bank of Scotland PLC
- 2004-03-25🔒Charge registered #6Lender: The Royal Bank of Scotland PLC
- 2004-03-09🔒Charge registered #5Lender: The Royal Bank of Scotland PLC
- 2004-03-09🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 2004-03-09🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2003-09-29🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2003-09-15🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1999-03-17➕GILMOUR, Margaret appointedsecretary
- 1999-03-17➕GILMOUR, John Kerr appointeddirector
- 1999-03-17➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
Showing most recent 50 of 54 events
Owner dependency
83/100
Critical — business is the founderThe 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 27 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 76 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
90/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 27 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
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 John Kerr Gilmour Individual · British · DOB 03/1951 · age 75 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mrs Margaret Gilmour Individual · British · DOB 01/1950 · age 76 | 25–50% | — | 25-50% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
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|---|---|---|---|---|---|---|---|
| EMERGENCY ONE (U.K.) LIMITED→ SC319443 · est 2007 | £11.21M £8.41M–£14.01M | — | — | 250 | 19y | 88 | 66y |
| ARDEER RESEARCH AND MARKETING LIMITED→ SC189599 · est 1998 | £4.68M £3.51M–£5.85M | — | — | 2 | 27y | 80 | 66y |
| CCL TECHLOGIX GROUP LTD→ SC542531 · est 2016 | £2.00M £1.50M–£2.50M | — | — | 0 | 9y | 81 | 70y |
| FAIRLIE COMMUNITY TRUST→ SC334426 · est 2007 · no financials extracted | — | — | — | — | 18y | 83 | 90y |
| GWF GENERATORS LIMITED→ SC383281 · est 2010 | — | — | £605.0k | — | 15y | 83 | 71y |
| KELVIN TOP-SET LIMITED→ SC342121 · est 2008 | — | — | — | 1200 | 18y | 83 | 80y |
| RICHARD HEALEY REMOVALS LIMITED→ SC275306 · est 2004 | — | — | £433.7k | — | 21y | 83 | 78y |
| ELIZABETH WALLACE BRIDAL LIMITED→ SC266999 · est 2004 | — | — | £117.9k | — | 22y | 82 | 61y |
| ETEK EUROPE LIMITED→ SC317060 · est 2007 | — | — | £1.37M | — | 19y | 82 | 60y |
| HADDOCKSTON ESTATE LIMITED→ SC344125 · est 2008 | — | — | — | 0 | 18y | 82 | 79y |
| K.A.D.I.F.S. LIMITED→ SC248879 · est 2003 | — | — | — | 1100 | 23y | 82 | 72y |
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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
Incorporated1999-03-02
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.
Registered office
37 Portland Road
Kilmarnock
Ayrshire
KA1 2DJ
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-13
Last: 2026-02-27
Officers (4 active · 3 resigned)
Active
GILMOUR, John Kerr→
Activedirector · ~75y · appointed 1999-03-17
View their other companies + combined net worth →
GILMOUR, Margaret→
Activedirector · ~76y · appointed 2014-04-10
View their other companies + combined net worth →
HENSBY, Nicola Jane→
Activedirector · ~52y · appointed 2018-10-16
View their other companies + combined net worth →
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 1999-03-02 · resigned 1999-03-17
GILMOUR, Kerry→
Resigneddirector · ~50y · appointed 2015-04-30 · resigned 2018-08-01
JORDANS (SCOTLAND) LIMITED→
Resignedcorporate-nominee-director · appointed 1999-03-02 · resigned 1999-03-17
Click a director name to see their full track record across all companies.
Mortgages & charges
14
Total charges
3
Outstanding
1
Active lenders
Status:Lender:14 of 14 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 23/04/2019 | 21/06/2024 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 23/04/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 2 properties | 23/04/2019 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 23/04/2019 | 22/01/2025 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 23/04/2019 | 27/05/2025 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 23/04/2019 | 03/06/2024 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 12/04/2019 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 12/05/2005 | 14/05/2019 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 25/03/2004 | 14/05/2019 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 09/03/2004 | 14/05/2019 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 09/03/2004 | 14/05/2019 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 09/03/2004 | 14/05/2019 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 29/09/2003 | 14/05/2019 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 15/09/2003 | 03/05/2019 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (96 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-13
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-16
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-03
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-22
mortgage-satisfy-charge-full
mortgage · MR04
2024-06-21
mortgage-satisfy-charge-full
mortgage · MR04
2024-06-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-27
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-13
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-08
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-09