ST MICHAEL'S SERVICES LIMITED
🌳Matureactive
SC221622 · ltd · incorporated 2001-07-26
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 Mar 2025
Net worth
£3.59M
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Retail sale of automotive fuel in specialised stores
Sector: Wholesale & retail
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 72/100 (strong), bankability 67/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
8 live charges · 3 lenders · oldest 27.9y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 27.9 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (80/100)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
7 officers (2 active, 7 linked, 4 with DOB)
81
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
96 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
70
Strong succession / seller-readiness signals.
Risk profile
61
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £3,586,343
Cash YoY
-25%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£703k
↓ 25% YoY
Net Worth
£3.6m
↑ 7.0% YoY
Current Assets
£1.4m
↓ 9.4% 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 | £3.90M | £3.56M |
| Current assets | £1.45M | £1.59M |
| Cash | £703.1k | £933.5k |
| Debtors | £226.8k | £157.5k |
| Net assets | £3.59M | £3.35M |
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
1
filing
- • 1 officers
Last 180 days
12
filings
- • 6 officers
- • 3 mortgage
- • 3 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (48 events)Click to expand
- 2026-02-09➕CHELVAM, Mayur Shankhar appointeddirector
- 2026-02-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-19🔒Charge registered #8Lender: National Westminster Bank PLC
- 2025-12-19🔒Charge registered #7Lender: National Westminster Bank PLC
- 2025-12-18📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-12-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-17📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-12-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-16➕CHELVAM, Chelvatheebam appointeddirector
- 2025-12-16➖WOOD, James Robert resignedsecretary
- 2025-12-16➖WOOD, Bethan Louise resigneddirector
- 2025-12-16➖WOOD, James Robert resigneddirector
- 2025-12-16🔒Charge registered #6Lender: National Westminster Bank PLC
- 2025-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-08-14🔓Charge satisfied #3
- 2025-04-08📄capital-name-of-class-of-sharescapital · SH08
- 2024-12-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-10-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-08-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-12🔓Charge satisfied #5
- 2024-08-12🔓Charge satisfied #4
- 2023-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2012-08-17🔒Charge registered #5Lender: Hsbc Bank PLC
- 2010-03-13🔓Charge satisfied #2
- 2009-08-13🔓Charge satisfied #1
- 2009-07-21🔒Charge registered #4Lender: Hsbc Bank PLC
- 2009-06-04🔒Charge registered #3Lender: Hsbc Bank PLC
- 2001-10-23🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2001-07-26🏢Company incorporatedAs ST MICHAEL'S SERVICES LIMITED
- 2001-07-26➕WOOD, James Robert appointedsecretary
- 2001-07-26➕YORK PLACE COMPANY SECRETARIES LIMITED appointedcorporate-secretary
- 2001-07-26➖YORK PLACE COMPANY SECRETARIES LIMITED resignedcorporate-secretary
- 2001-07-26➕WOOD, Bethan Louise appointeddirector
- 2001-07-26➕WOOD, James Robert appointeddirector
- 2001-07-26➕YORK PLACE COMPANY NOMINEES LIMITED appointedcorporate-director
- 2001-07-26➖YORK PLACE COMPANY NOMINEES LIMITED resignedcorporate-director
- 1998-06-16🔒Charge registered #2Lender: The Governor and Company of the Bank of Scotland
Owner dependency
81/100
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 67 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
16/100
No succession signalNo meaningful acquirability indicators from public data.
SIGNALS
- primaryFamily succession underway: Not a takeover target — CHELVAM, Mayur Shankhar (same surname) appointed 2026-02-09. Pattern consistent with intra-family handover.
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
3 med ·3 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: WOOD, James Robert resigned 2025-12-16; WOOD, Bethan Louise resigned 2025-12-16; WOOD, James Robert resigned 2025-12-16
3 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-12-19: A registered charge; 2025-12-19: A registered charge; 2025-12-16: A registered charge
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Grove Retail Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Grove Retail Ltd
Corporate parent · holds 75-100% shares
⬇
ST MICHAEL'S SERVICES LIMITED
This company · SC221622
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Grove Retail Ltd Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 16/12/2025 |
2 historic (ceased) PSCs
- Mrs Bethan Louise Woodceased 16/12/2025· 25-50% shares · 25-50% voting
- Mr James Robert Woodceased 16/12/2025· 50-75% shares · 50-75% voting · board control
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
Active · Retail · DG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| JOWAH UK LIMITED→ SC533484 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| MISTRUTH LTD→ SC858592 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| PATH TO SUCCESS CONSULTANTS LTD→ 13203893 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| PEGASUS JEWELLERY LTD→ SC597159 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| R. BARBOUR & SONS. LIMITED→ SC010111 · est 1918 · no financials extracted | — | — | — | — | 107y | — | — |
| ROSEFIELD MILLS GALLERY C.I.C.→ SC747572 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| SHIPMENTX LIMITED→ SC776721 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| SOUTHERNESS MINI MARKET LTD→ SC425325 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| TAG FEUDS LTD→ SC850410 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| THE MARKET PLACE DG1 LTD→ 17003749 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| THE MEDITERRANEAN TOUCH LIMITED→ 05937465 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| THE POSTHORN 90 LIMITED→ SC245650 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2001-07-26
Jurisdictionscotland
Primary SIC47300 — Retail sale of automotive fuel in specialised stores
Registered office
St Michael's Service Station
9 St Michael Street
Dumfries
Dumfries & Galloway
DG1 2QD
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-28
Last: 2025-07-14
Officers (2 active · 5 resigned)
CHELVAM, Chelvatheebam→
Activedirector · ~67y · appointed 2025-12-16
View their other companies + combined net worth →
CHELVAM, Mayur Shankhar→
Activedirector · ~28y · appointed 2026-02-09
View their other companies + combined net worth →
WOOD, James Robert→
Resignedsecretary · appointed 2001-07-26 · resigned 2025-12-16
YORK PLACE COMPANY SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 2001-07-26 · resigned 2001-07-26
WOOD, Bethan Louise→
Resigneddirector · ~62y · appointed 2001-07-26 · resigned 2025-12-16
WOOD, James Robert→
Resigneddirector · ~64y · appointed 2001-07-26 · resigned 2025-12-16
YORK PLACE COMPANY NOMINEES LIMITED→
Resignedcorporate-director · appointed 2001-07-26 · resigned 2001-07-26
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
3
Outstanding
1
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 19/12/2025 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 19/12/2025 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 16/12/2025 | — | |
| satisfied | HSBC Hsbc Bank PLC | Standard security | 1 property | 17/08/2012 | 12/08/2024 | |
| satisfied | HSBC Hsbc Bank PLC | Standard security | 1 property | 21/07/2009 | 12/08/2024 | |
| satisfied | HSBC Hsbc Bank PLC | Floating charge | 1 property | 04/06/2009 | 14/08/2025 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 23/10/2001 | 13/08/2009 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 16/06/1998 | 13/03/2010 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (96 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-02-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-24
change-person-director-company-with-change-date
officers · CH01
2025-12-18
appoint-person-director-company-with-name-date
officers · AP01
2025-12-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-12-17
termination-director-company-with-name-termination-date
officers · TM01
2025-12-17
termination-director-company-with-name-termination-date
officers · TM01
2025-12-17
termination-secretary-company-with-name-termination-date
officers · TM02
2025-12-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-24
mortgage-satisfy-charge-full
mortgage · MR04
2025-08-14
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-18