MORAY CATERING EQUIPMENT LIMITED
🌳Matureactive
SC203820 · ltd · incorporated 2000-02-10
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 26.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
—
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
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 72/100 (strong), bankability 65/100. Strong seller-intent signal (63/100, director aged 66). Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 26.2y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 26.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — 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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 4 with DOB)
81
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
88 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
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-29 | 2024-05-29 |
|---|
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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
- 2025-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-15📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-02-16📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-05-27📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-05-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-11📄dissolved-compulsory-strike-off-suspendeddissolution · DISS16(SOAS)
- 2023-04-25📄gazette-notice-compulsorygazette · GAZ1
- 2022-05-04📄gazette-filings-brought-up-to-dategazette · DISS40
- 2022-05-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-26📄gazette-notice-compulsorygazette · GAZ1
- 2021-08-10➕FINLAY, Alan appointedsecretary
- 2021-08-10➕FINLAY, Alan Charles appointeddirector
- 2021-08-10➕MURPHY, Alan appointeddirector
- 2021-08-10➖MUTCH, Carol resignedsecretary
- 2021-08-10➖MUTCH, Carol resigneddirector
- 2021-08-10➖MUTCH, Graham resigneddirector
- 2021-08-10📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2021-08-10📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-08-10📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-08-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-08-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-08-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-08-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-08-10📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2021-08-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2012-02-10🔒Charge registered #2Lender: Clydesdale Bank PLC
- 2000-03-03🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 2000-02-10🏢Company incorporatedAs MORAY CATERING EQUIPMENT LIMITED
- 2000-02-10➕MUTCH, Carol appointedsecretary
- 2000-02-10➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2000-02-10➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 2000-02-10➕MUTCH, Carol appointeddirector
- 2000-02-10➕MUTCH, Graham appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 26 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high ·Confirmation statement overdue
highAnnual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-02-24
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alan Charles Finlay Individual · British · DOB 07/1960 · age 66 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 10/08/2021 |
Mr Alan Murphy Individual · British · DOB 01/1971 · age 55 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 10/08/2021 |
2 historic (ceased) PSCs
- Mr Graham Mutchceased 10/08/2021· 25-50% shares
- Mrs Carol Mutchceased 10/08/2021· 25-50% shares
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 →Similar companies
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|---|---|---|---|---|---|---|---|
| SAY LESS TRAIN MORE LTD→ SC797176 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| SCRATCH REPAIR SPECIALIST LTD→ SC763766 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| SEAFAST MARITIME LTD→ SC504666 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| SIKA COUNTRY SERVICES LTD→ SC788851 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| SIMPLY BLISS BEAUTY LIMITED→ SC468666 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| SPEYFIELD LIMITED→ SC222384 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| SPEYSIDE LANDSCAPING LTD→ SC868568 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SUNNYSIDE TANNING STUDIO LIMITED→ SC825838 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| TAES TECHNICAL LTD→ SC760036 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| TALA. STUDIO LTD→ SC851180 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| TAMARINE (HIGHLAND) LTD→ SC459886 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| TANMOOR HOTELS HOLDING LIMITED→ SC363383 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
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
Incorporated2000-02-10
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.
Registered office
1 Chanonry Road South
Elgin
Moray
IV30 6NG
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-29
Confirmation statement
Next due: 2026-02-24OVERDUE
Last: 2025-02-10
Officers (3 active · 4 resigned)
Active
FINLAY, Alan Charles→
Activedirector · ~66y · appointed 2021-08-10
View their other companies + combined net worth →
MURPHY, Alan→
Activedirector · ~55y · appointed 2021-08-10
View their other companies + combined net worth →
MUTCH, Carol→
Resignedsecretary · appointed 2000-02-10 · resigned 2021-08-10
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 2000-02-10 · resigned 2000-02-10
MUTCH, Carol→
Resigneddirector · ~64y · appointed 2000-02-10 · resigned 2021-08-10
MUTCH, Graham→
Resigneddirector · ~70y · appointed 2000-02-10 · resigned 2021-08-10
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 10/02/2012 | — | |
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 03/03/2000 | — |
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
2025-12-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-07
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-05-15
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-02-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-12
gazette-filings-brought-up-to-date
gazette · DISS40
2023-05-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-26
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2023-05-11
gazette-notice-compulsory
gazette · GAZ1
2023-04-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-10
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-04
gazette-filings-brought-up-to-date
gazette · DISS40
2022-05-04
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-03