ARGYLL AND BUTE CITIZENS ADVICE BUREAU

🌳Matureactive
SC231152 · private-limited-guarant-nsc-limited-exemption · incorporated 2002-05-07
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
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Other professional, scientific and technical activities n.e.c.
Sector: Professional, scientific & technical
Investor take
Pursue
Active trading company with a 78-year-old founder — textbook succession opportunity.

Opportunity 75/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 78). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

Data confidence

Overall: medium (63/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
70 officers (6 active, 70 linked, 65 with DOB)
89
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
1 connected companies via shared directors
48
Filing history
198 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
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
77
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-31
Average employees1500

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
4
filings
  • 3 officers
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (156 events)Click to expand
  1. 2025-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-11-13
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  3. 2025-11-13
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  4. 2025-11-13
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2025-10-28
    CARRUTHERS, David, Reverend resigned
    director
  6. 2025-10-28
    WADDELL, George resigned
    director
  7. 2025-10-28
    WHITLOCK, Paul resigned
    director
  8. 2025-06-19
    BENHAM, Colette Delyse appointed
    director
  9. 2025-06-19
    BROWN, Jan appointed
    director
  10. 2025-06-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2025-06-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2025-05-27
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  13. 2024-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2024-10-31
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2024-10-29
    O'CONNOR, Daniel resigned
    director
  16. 2024-07-01
    FOSTER, Alka appointed
    director
  17. 2024-07-01
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2023-09-07
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  19. 2023-08-30
    BROWN, Ernest Miller resigned
    director
  20. 2023-08-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2023-02-07
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  22. 2023-02-07
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  23. 2023-01-31
    PORTER, Gordon Alexander resigned
    director
  24. 2023-01-31
    WHITLOCK, Paul appointed
    director
  25. 2022-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  26. 2022-05-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  27. 2022-05-03
    PORTER, Gordon Alexander appointed
    director
  28. 2022-01-24
    📄
    memorandum-articles
    incorporation · MA
  29. 2022-01-21
    📄
    resolution
    resolution · RESOLUTIONS
  30. 2022-01-10
    📄
    resolution
    resolution · RESOLUTIONS
  31. 2021-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  32. 2021-09-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  33. 2021-08-31
    STEIN, Richard Stenton, Mr. resigned
    director
  34. 2021-08-17
    CARRUTHERS, David, Reverend appointed
    director
  35. 2021-08-17
    GREEN, Maureen resigned
    director
  36. 2021-08-17
    WADDELL, George appointed
    director
  37. 2021-05-02
    CAMPBELL, Ronald, Father resigned
    director
  38. 2021-05-02
    O'CONNOR, Daniel appointed
    director
  39. 2020-11-03
    MACLEOD, Jane Margaret resigned
    director
  40. 2020-07-07
    DAVIDSON, David Stewart appointed
    director
  41. 2020-05-05
    CAMPBELL, Ronald, Father appointed
    director
  42. 2020-03-02
    MCCOSH, Aileen resigned
    director
  43. 2018-11-13
    STEIN, Richard Stenton, Mr. appointed
    director
  44. 2018-05-08
    LAW, Andrew Reid resigned
    director
  45. 2018-04-25
    MCCOSH, Aileen appointed
    director
  46. 2018-04-12
    LUTWYCHE, David John resigned
    director
  47. 2018-03-28
    BITTLESTON, Eleanor Dorothy appointed
    director
  48. 2018-03-08
    BERTIN, Cathi resigned
    director
  49. 2017-06-30
    HUNTER, Stephen Drummond resigned
    director
  50. 2017-05-21
    GREEN, Maureen resigned
    director
Showing most recent 50 of 156 events

Owner dependency

55/100
Moderate — manageable with handover

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

FACTORS
  • -6 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 78 — succession pressure is live.

Succession & seller-readiness

65/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
3 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: CARRUTHERS, David, Reverend resigned 2025-10-28; WADDELL, George resigned 2025-10-28; WHITLOCK, Paul resigned 2025-10-28

🔒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
Typeprivate-limited-guarant-nsc-limited-exemption
Incorporated2002-05-07
Jurisdictionscotland
Primary SIC74909 — Other professional, scientific and technical activities n.e.c.

Registered office

18 18 Argyll Street
Lochgilphead
Argyll & Bute
PA31 8NE
Scotland

Filing status

Accounts
Next due: 2026-12-30
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-05-21
Last: 2025-05-07

Officers (6 active · 64 resigned)

BENHAM, Colette Delyse
director · ~58y · appointed 2025-06-19
View their other companies + combined net worth →
Active
BITTLESTON, Eleanor Dorothy
director · ~67y · appointed 2018-03-28
View their other companies + combined net worth →
Active
BROWN, Jan
director · ~68y · appointed 2025-06-19
View their other companies + combined net worth →
Active
DAVIDSON, David Stewart
director · ~75y · appointed 2020-07-07
View their other companies + combined net worth →
Active
FOSTER, Alka
director · ~62y · appointed 2024-07-01
View their other companies + combined net worth →
Active
RITCHIE, Iain James
director · ~78y · appointed 2015-11-10
View their other companies + combined net worth →
Active
MCINNES, Gillian Ann
secretary · appointed 2014-05-01 · resigned 2015-06-04
Resigned
ROBERTSON, Michael John
secretary · appointed 2006-01-17 · resigned 2008-02-05
Resigned
TAYLOR, Alison
secretary · appointed 2003-09-03 · resigned 2005-10-07
Resigned
TIMBRELL, Helen
secretary · appointed 2002-05-07 · resigned 2003-09-03
Resigned
WARDLE, Christopher
secretary · appointed 2008-02-05 · resigned 2017-05-02
Resigned
ABERNETHY, Kenneth Richard
director · ~76y · appointed 2010-05-21 · resigned 2015-11-27
Resigned
ACKLAM, Clifford Robert, Rev
director · ~64y · appointed 2014-09-23 · resigned 2016-02-10
Resigned
ANDERSON, Neil
director · ~68y · appointed 2002-05-22 · resigned 2003-05-28
Resigned
BEARD, Tracey
director · ~63y · appointed 2005-09-16 · resigned 2005-12-01
Resigned
BELL, Alfred Jack
director · ~78y · appointed 2005-04-01 · resigned 2006-11-20
Resigned
BERTIN, Cathi
director · ~68y · appointed 2015-11-27 · resigned 2018-03-08
Resigned
BERTIN, David Alan
director · ~71y · appointed 2007-01-24 · resigned 2009-07-27
Resigned
BERTIN, David Alan
director · ~71y · appointed 2002-05-22 · resigned 2005-09-16
Resigned
BROWN, Ernest Miller
director · ~66y · appointed 2016-11-08 · resigned 2023-08-30
Resigned

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

Recent filings (198 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-23
termination-director-company-with-name-termination-date
officers · TM01
2025-11-13
termination-director-company-with-name-termination-date
officers · TM01
2025-11-13
termination-director-company-with-name-termination-date
officers · TM01
2025-11-13
appoint-person-director-company-with-name-date
officers · AP01
2025-06-19
appoint-person-director-company-with-name-date
officers · AP01
2025-06-19
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2025-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-31
termination-director-company-with-name-termination-date
officers · TM01
2024-10-31
appoint-person-director-company-with-name-date
officers · AP01
2024-07-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-22
termination-director-company-with-name-termination-date
officers · TM01
2023-09-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-11