LAWRENCE OF KEMNAY LIMITED

🌳Matureactive
SC194401 · ltd · incorporated 1999-03-17
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.
🔒Estimated value
Upgrade to see
Turnover
year to Dec 2024
Net worth
£-113.9k
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Sale of new cars and light motor vehicles
Sector: Wholesale & retail
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 74/100 (strong), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

8 live charges · 6 lenders · oldest 25.7y

35/100
too messy

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

  • · Oldest live charge is 25.7 years old — likely at or near maturity.
  • · 6 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
14 officers (5 active, 14 linked, 10 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
146 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Negative net assets
Liabilities exceed assets by £113,902
Cash YoY
+1830%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£9k
↑ 1830% YoY
Net Worth
-£114k
↑ 10.0% YoY
Current Assets
£987k
↓ 1.5% YoY
Current Liabilities
-£127k£99k£325k£551k£776k£1.0mDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Total assets£-98.0k£-47.0k
Current assets£987.2k£1.00M
Cash£8.7k£451
Debtors£356.5k£357.4k
Net assets£-113.9k£-126.6k

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
0
filings
Last 90 days
1
filing
  • 1 confirmation-statement
Last 180 days
1
filing
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (52 events)Click to expand
  1. 2025-07-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-07-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-03-07
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2024-03-07
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-03-07
    🔓
    Charge satisfied #9
  6. 2024-03-07
    🔓
    Charge satisfied #7
  7. 2023-09-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2023-09-14
    🔓
    Charge satisfied #6
  9. 2023-09-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-09-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-01-25
    📄
    change-corporate-secretary-company-with-change-date
    officers · CH04
  12. 2021-07-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-05-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2019-05-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-02-07
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  17. 2017-11-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2017-08-08
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2016-03-31
    CHALMERS, Carolyn appointed
    director
  20. 2016-03-31
    MACLEOD, Carol Anne appointed
    director
  21. 2011-06-10
    BRODIES SECRETARIAL SERVICES LIMITED appointed
    corporate-secretary
  22. 2011-06-10
    DAVIES WOOD SUMMERS LLP resigned
    corporate-secretary
  23. 2011-02-24
    🔒
    Charge registered #9
    Lender: International Motors Finance Limited
  24. 2009-01-14
    MACDONALD, Colin Nicolson resigned
    director
  25. 2008-05-20
    🔒
    Charge registered #8
    Lender: Royal Bank of Scotland PLC
  26. 2007-10-12
    MACLEOD, John Norman appointed
    director
  27. 2007-10-12
    MACDONALD, Colin Nicolson appointed
    director
  28. 2006-05-01
    DAVIES WOOD SUMMERS resigned
    corporate-nominee-secretary
  29. 2006-05-01
    DAVIES WOOD SUMMERS LLP appointed
    corporate-secretary
  30. 2005-08-30
    🔒
    Charge registered #7
    Lender: Black Horse Limited
  31. 2005-04-27
    🔓
    Charge satisfied #4
  32. 2005-04-27
    🔓
    Charge satisfied #2
  33. 2005-03-02
    DAVIES WOOD SUMMERS appointed
    corporate-nominee-secretary
  34. 2005-03-02
    STRONACHS resigned
    corporate-nominee-secretary
  35. 2005-03-02
    CRIGHTON, Helen May resigned
    director
  36. 2005-03-02
    CRIGHTON, Ian Macrae resigned
    director
  37. 2005-03-02
    CRIGHTON, Norman Stewart John resigned
    director
  38. 2005-03-02
    POPE, Elaine Margaret resigned
    director
  39. 2004-02-27
    🔒
    Charge registered #6
    Lender: Fce Bank PLC
  40. 2004-02-27
    🔒
    Charge registered #5
    Lender: Fce Bank PLC
  41. 2004-02-27
    🔒
    Charge registered #4
    Lender: Black Horse Limited
  42. 2003-11-11
    CHALMERS, Gavin Bruce appointed
    director
  43. 2000-08-25
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  44. 2000-08-22
    🔒
    Charge registered #2
    Lender: Lloyds Udt Limited
  45. 2000-08-08
    CRIGHTON, Norman Stewart John appointed
    director
  46. 2000-08-08
    POPE, Elaine Margaret appointed
    director
  47. 1999-05-26
    CRIGHTON, Helen May appointed
    director
  48. 1999-05-26
    CRIGHTON, Ian Macrae appointed
    director
  49. 1999-05-26
    RENNIE, David Alan resigned
    director
  50. 1999-03-17
    🏢
    Company incorporated
    As LAWRENCE OF KEMNAY LIMITED
Showing most recent 50 of 52 events

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

60/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primary20+ year tenure: Director in role 22 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
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Gcj Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Gcj Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
LAWRENCE OF KEMNAY LIMITED
This company · SC194401

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
Gcj Limited
Corporate entity
75100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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
Incorporated1999-03-17
Jurisdictionscotland
Primary SIC45111 — Sale of new cars and light motor vehicles

Registered office

Brodies House
31 - 33 Union Grove
Aberdeen
AB10 6SD

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-31
Last: 2026-03-17

Officers (5 active · 9 resigned)

BRODIES SECRETARIAL SERVICES LIMITED
corporate-secretary · appointed 2011-06-10
View their other companies + combined net worth →
Active
CHALMERS, Carolyn
director · ~55y · appointed 2016-03-31
View their other companies + combined net worth →
Active
CHALMERS, Gavin Bruce
director · ~57y · appointed 2003-11-11
View their other companies + combined net worth →
Active
MACLEOD, Carol Anne
director · ~51y · appointed 2016-03-31
View their other companies + combined net worth →
Active
MACLEOD, John Norman
director · ~53y · appointed 2007-10-12
View their other companies + combined net worth →
Active
DAVIES WOOD SUMMERS
corporate-nominee-secretary · appointed 2005-03-02 · resigned 2006-05-01
Resigned
DAVIES WOOD SUMMERS LLP
corporate-secretary · appointed 2006-05-01 · resigned 2011-06-10
Resigned
STRONACHS
corporate-nominee-secretary · appointed 1999-03-17 · resigned 2005-03-02
Resigned
CRIGHTON, Helen May
director · ~79y · appointed 1999-05-26 · resigned 2005-03-02
Resigned
CRIGHTON, Ian Macrae
director · ~81y · appointed 1999-05-26 · resigned 2005-03-02
Resigned
CRIGHTON, Norman Stewart John
director · ~53y · appointed 2000-08-08 · resigned 2005-03-02
Resigned
MACDONALD, Colin Nicolson
director · ~51y · appointed 2007-10-12 · resigned 2009-01-14
Resigned
POPE, Elaine Margaret
director · ~57y · appointed 2000-08-08 · resigned 2005-03-02
Resigned
RENNIE, David Alan
director · ~73y · appointed 1999-03-17 · resigned 1999-05-26
Resigned

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

Mortgages & charges

8
Total charges
3
Outstanding
2
Active lenders
Status:Lender:8 of 8 shown
TypeProperties
satisfied
International Motors Finance
International Motors Finance Limited
Floating charge1 property24/02/201107/03/2024
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
Standard security1 property20/05/2008
satisfied
Black Horse
Black Horse Limited
Bond & floating charge1 property30/08/200507/03/2024
satisfied
Fce Bank
Fce Bank PLC
Bond & floating charge1 property27/02/200414/09/2023
outstanding
Fce Bank
Fce Bank PLC
Bond & floating charge1 property27/02/2004
satisfied
Black Horse
Black Horse Limited
Bond & floating charge1 property27/02/200427/04/2005
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property25/08/2000
satisfied
Lloyds Banking Group
Lloyds Udt Limited
Floating charge1 property22/08/200027/04/2005
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (146 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-22
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-07
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-07
mortgage-satisfy-charge-full
mortgage · MR04
2023-09-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-31
change-corporate-secretary-company-with-change-date
officers · CH04
2022-01-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-08
confirmation-statement-with-updates
confirmation-statement · CS01
2021-03-31