THE MORVERN COMMUNITY DEVELOPMENT COMPANY

🌳Matureactive

SC200325 · private-limited-guarant-nsc-limited-exemption · incorporated 1999-09-28

Investment thesis

Looks cheap but ownership + security both unclear — probable value trap.

Why interesting: Headline metrics may be attractive.

Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 10.2y 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

—

year to Mar 2025

Net worth

£2.13M

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Activities of other membership organisations n.e.c.

Sector: Other service activities

Investor take

Pursue

Active trading company with a 79-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 79). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · 2 lenders · oldest 10.2y

50/100

clean up first

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

· Oldest live charge is 10.2 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (70/100)

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

Lenders & charges

4 charges (4/4 with lender, 4/4 with type)

Directors & officers

69 officers (9 active, 69 linked, 65 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

Network not yet resolved

Filing history

201 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £2,126,773

Cash YoY

+406%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£614k

↑ 406% YoY

Net Worth

£2.1m

↑ 30% YoY

Current Assets

£663k

↑ 251% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31
Total assets	£2.13M	£1.70M
Current assets	£662.7k	£188.9k
Cash	£614.5k	£121.4k
Net assets	£2.13M	£1.64M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 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

filing

• 1 officers

Last 90 days

filing

• 1 officers

Last 180 days

filings

• 1 officers
• 1 resolution

Counts from Companies House filing history.

Corporate timeline (158 events)Click to expand

2026-05-27
➕
FIRTH, Samantha Joy appointed
director
2026-05-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-01-28
📄
resolution
resolution · RESOLUTIONS
2025-12-19
📄
memorandum-articles
incorporation · MA
2025-12-04
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-12-04
🔓
Charge satisfied #3
2025-10-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-10-07
➕
RENDALL, Brian appointed
director
2025-10-07
➖
JONES, Robert Maurice resigned
director
2025-09-30
📄
accounts-with-accounts-type-full
accounts · AA
2025-06-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-01
➕
WELSH, Miles John Donnelly appointed
director
2024-12-17
➕
PENDER, Suzanne Mary appointed
secretary
2024-12-17
➖
DOBROKHODOVA, Lilia resigned
secretary
2024-12-17
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2024-12-17
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-12-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-12-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-12-04
➖
LAYTON, Susan resigned
director
2024-12-03
➕
WELSH, Miles John Donnelly appointed
director
2024-11-14
📄
accounts-with-accounts-type-full
accounts · AA
2024-11-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-11-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-11-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-11-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-11-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-11-05
➕
LAIDLAW, Keith Walter appointed
director
2024-11-05
➕
TAYLOR, Susan, Dr appointed
director
2024-11-05
➖
FIRTH, Samantha Joy resigned
director
2024-11-05
➖
LAIDLAW, Keith Walter resigned
director
2024-11-05
➖
STUART - SMITH, Jane resigned
director
2024-09-23
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-09-19
➖
MCNAUGHTON MONTGOMERY, Clara resigned
director
2024-09-18
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-09-11
➖
BIRD, Ellen Jane resigned
director
2024-07-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-07-01
➕
BIRD, Ellen Jane appointed
director
2024-02-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-02-02
➖
LAURIE, Kevin David resigned
director
2024-01-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-01-06
➕
ROBERTSON, Angus Francis Grange appointed
director
2024-01-06
➕
FIRTH, Samantha Joy appointed
director
2024-01-06
➕
LAIDLAW, Keith Walter appointed
director
2024-01-06
➕
LAURIE, Kevin David appointed
director
2024-01-06
➕
MCNAUGHTON MONTGOMERY, Clara appointed
director
2024-01-06
➖
ROBERTSON, Jennifer Grant resigned
director
2024-01-06
➖
STAMMERS, Amy Grace resigned
director
2024-01-06
➖
TORDOFF, Nick Gregory resigned
director
2023-12-18
➖
MCLAUGHLIN, Kenneth James resigned
director

Showing most recent 50 of 158 events

Owner dependency

63/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-8 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 79 — succession pressure is live.
+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

primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Similar companies

Active · Other · PA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
LOCH EARN DEVELOPMENT COMPANY LTD→ SC018491 · est 1935	—	—	£17.6k	—	91y	83	69y
STRUTHERS MEMORIAL CHURCH→ SC335480 · est 2007 · no financials extracted	—	—	—	—	18y	83	66y
AN TAIRBEART LIMITED→ SC139476 · est 1992	—	—	£946.0k	—	33y	82	94y
CHURCHILL (SCOTLAND) PROPERTIES LIMITED→ SC202429 · est 1999	—	—	£5.1k	—	26y	82	74y
R & C MURRAY LIMITED→ SC368915 · est 2009	—	—	£23.0k	—	16y	82	73y
SPEY BAY TRADING COMPANY LTD.→ SC180155 · est 1997	—	—	£5.4k	—	28y	82	73y
ARDRISHAIG COMMUNITY TRUST→ SC344641 · est 2008	—	—	—	900	18y	81	81y
ASSOCIATION OF CONSTRUCTION ATTORNEYS→ SC344543 · est 2008	—	—	£2.4k	—	18y	81	75y
BARCALDINE COMMUNITY ASSOCIATION→ SC295774 · est 2006 · no financials extracted	—	—	—	—	20y	81	77y
BENMORE AND KILMUN COMMUNITY DEVELOPMENT TRUST→ SC254743 · est 2003	—	—	£3.5k	—	22y	81	76y
METER EYE LTD→ SC294491 · est 2005	—	—	£30	—	20y	81	76y
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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

Typeprivate-limited-guarant-nsc-limited-exemption

Incorporated1999-09-28

Jurisdictionscotland

Primary SIC94990 — Activities of other membership organisations n.e.c.

Registered office

Lochaline Harbour Office Lochaline

Morvern

Oban

Argyll

PA80 5XT

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-10-12

Last: 2025-09-28