POUNDSAVER STORES LIMITED

🌳Matureactive
SC227065 · ltd · incorporated 2002-01-17
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 21.7y 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 material changes in the last 90 days.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£263.4k
book net assets
Opportunity
82/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Retail sale in non-specialised stores with food, beverages or tobacco predominating
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 76-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 21.7y

65/100
clean up first

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

  • · Oldest live charge is 21.7 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (79/100)

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
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 3 with DOB)
79
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
89 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £263,379

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£263k
↑ 3.4% YoY
Current Assets
—
Current Liabilities
—
£0£53k£105k£158k£211k£263kJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-01-312024-01-31
Total assets£280.5k£271.9k
Debtors£52.8k£40.1k
Net assets£263.4k£254.8k

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

🔒Filing-note intelligence

1 signal 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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2026-01-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2026-01-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-01-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-09-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-12-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2021-12-23
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  9. 2020-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-11-04
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2019-09-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2019-09-07
    📄
    resolution
    resolution · RESOLUTIONS
  13. 2019-09-06
    📄
    administrative-restoration-company
    restoration · RT01
  14. 2019-07-30
    📄
    gazette-dissolved-compulsory
    gazette · GAZ2
  15. 2019-01-16
    📄
    dissolved-compulsory-strike-off-suspended
    dissolution · DISS16(SOAS)
  16. 2019-01-08
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  17. 2018-07-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  18. 2005-08-09
    ➖
    PUNIA, Gurinder Singh resigned
    secretary
  19. 2005-08-09
    ➖
    PUNIA, Gurinder Singh resigned
    director
  20. 2005-08-08
    ➕
    PUNIA, Sukhbinder Kaur appointed
    secretary
  21. 2005-08-08
    ➕
    PUNIA, Sukhbinder Kaur appointed
    director
  22. 2004-11-25
    🔒
    Charge registered #2
    Lender: Airdrie Savings Bank
  23. 2004-11-25
    🔒
    Charge registered #1
    Lender: Airdrie Savings Bank
  24. 2002-01-17
    🏢
    Company incorporated
    As POUNDSAVER STORES LIMITED
  25. 2002-01-17
    ➕
    PUNIA, Amrik Kaur appointed
    director
  26. 2002-01-17
    ➕
    PUNIA, Gurinder Singh appointed
    secretary
  27. 2002-01-17
    ➕
    WATERLOW SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  28. 2002-01-17
    ➖
    WATERLOW SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  29. 2002-01-17
    ➕
    PUNIA, Gurinder Singh appointed
    director
  30. 2002-01-17
    ➕
    WATERLOW NOMINEES LIMITED appointed
    corporate-nominee-director
  31. 2002-01-17
    ➖
    WATERLOW NOMINEES LIMITED resigned
    corporate-nominee-director

Owner dependency

91/100
Critical — business is the founder

The 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.
  • +Long-tenure founder: Senior director has been in place 25 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

96/100
Likely off-market candidate

Strong 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.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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

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

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Amrik Kaur Punia
Individual · Indian · DOB 08/1950 · age 76
75–100%
—75-100% shares06/04/2016

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 →

Similar companies

Active · Retail · DG postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
GRETNA GREEN LTD→
SC052082 · est 1972
£861.4k
£646.1k–£1.08M
——24953y8876y
J. D. OWEN & SON (BUTCHERS) LIMITED→
SC246487 · est 2003
£87.3k
£65.5k–£109.1k
——1223y8262y
CALMAC DEVELOPMENTS LIMITED→
SC084696 · est 1983
——£3.94M—42y8275y
GRANITE WORKS LIMITED→
SC204911 · est 2000
——£999.8k—26y8258y
HOME & GARDENS LIMITED→
SC281966 · est 2005
——£2.17M—21y8268y
MONAGHAN JEWELLERS LIMITED→
SC257901 · est 2003
———1922y8273y
R. BARBOUR & SONS. LIMITED→
SC010111 · est 1918
——£3.34M—107y8261y
T.B. WATSON LIMITED→
SC013260 · est 1924
———1300102y8266y
WOOD FUEL CO-OPERATIVE→
SC399132 · est 2011
——£60.5k—15y8279y
CELSTEEL LIMITED→
SC039247 · est 1963
——£1.71M—62y8194y
A. D. LIVINGSTON & SONS LIMITED→
SC274923 · est 2004
——£2.6k—21y8066y
ALTERNATIVE CENTRE (DUMFRIES) LIMITED→
SC250007 · est 2003
——£47.9k—23y8080y
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
Incorporated2002-01-17
Jurisdictionscotland
Primary SIC47110 — Retail sale in non-specialised stores with food, beverages or tobacco predominating

Registered office

31-33 Scotts Street
Annan
Dumfriesshire
DG12 6JE

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-01-31
Last: 2026-01-17

Officers (3 active · 4 resigned)

PUNIA, Sukhbinder Kaur→
secretary · appointed 2005-08-08
View their other companies + combined net worth →
Active
PUNIA, Amrik Kaur→
director · ~76y · appointed 2002-01-17
View their other companies + combined net worth →
Active
PUNIA, Sukhbinder Kaur→
director · ~52y · appointed 2005-08-08
View their other companies + combined net worth →
Active
PUNIA, Gurinder Singh→
secretary · appointed 2002-01-17 · resigned 2005-08-09
Resigned
WATERLOW SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2002-01-17 · resigned 2002-01-17
Resigned
PUNIA, Gurinder Singh→
director · ~54y · appointed 2002-01-17 · resigned 2005-08-09
Resigned
WATERLOW NOMINEES LIMITED→
corporate-nominee-director · appointed 2002-01-17 · resigned 2002-01-17
Resigned

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
TypeProperties
outstanding
Airdrie Savings Bank
Standard security1 property25/11/2004—
outstanding
Airdrie Savings Bank
Standard security1 property25/11/2004—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (89 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-28
change-person-director-company-with-change-date
officers · CH01
2026-01-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-23
change-person-director-company-with-change-date
officers · CH01
2021-12-23
change-person-secretary-company-with-change-date
officers · CH03
2021-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-23