MCPHERSON MEMORIALS LIMITED

🌳Matureactive
SC236286 · ltd · incorporated 2002-09-03
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 6.9y 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 Aug 2025
Net worth
£645.7k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other retail sale of new goods in specialised stores (other than commercial art galleries and opticians)
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 82/100 (exceptional), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 6.9y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 6.9 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (85/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
62 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 · FRS 105 (micro)
Positive net assets
Net assets £645,657

Key financials

3 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£646k
~ YoY
Current Assets
£424k
~ YoY
Current Liabilities
—
£0£129k£258k£387k£517k£646kAug 2023Aug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-08-312024-08-312023-08-31
Total assets£650.6k£656.0k£596.8k
Current assets£424.1k£421.9k£386.6k
Net assets£645.7k£641.5k£579.3k

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
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-05-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-05-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-08-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2023-08-15
    🔓
    Charge satisfied #1
  6. 2023-05-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-08-23
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2022-08-01
    ➕
    MCPHERSON, Alan appointed
    director
  9. 2022-05-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2021-08-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2020-05-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2019-10-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2019-10-02
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  14. 2019-09-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2019-09-10
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  16. 2019-05-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2018-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2017-05-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  19. 2016-05-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  20. 2002-09-03
    🏢
    Company incorporated
    As MCPHERSON MEMORIALS LIMITED
  21. 2002-09-03
    ➕
    KIELTY, Kim appointed
    secretary
  22. 2002-09-03
    ➕
    KIELTY, Kim appointed
    director
  23. 2002-09-03
    ➕
    MCPHERSON, Alan appointed
    director
  24. 2002-09-03
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  25. 2002-09-03
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  26. 2002-09-03
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director
  27. 2002-09-03
    ➖
    JORDANS (SCOTLAND) 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
  • +Founder name in company name: Company name contains director surname "MCPHERSON" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

70/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 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
NameSharesVoting rightsNature of controlNotified
Mr Alan Mcpherson
Individual · Scottish · DOB 06/1967 · age 59
50–75%
—50-75% shares03/09/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2002-09-03
Jurisdictionscotland
Primary SIC47789 — Other retail sale of new goods in specialised stores (other than commercial art galleries and opticians)

Registered office

5 High Street
Johnstone
Renfrewshire
PA5 8JZ

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-09-17
Last: 2025-09-03

Officers (4 active · 2 resigned)

KIELTY, Kim→
secretary · appointed 2002-09-03
View their other companies + combined net worth →
Active
KIELTY, Kim→
director · ~49y · appointed 2002-09-03
View their other companies + combined net worth →
Active
MCPHERSON, Alan→
director · ~41y · appointed 2022-08-01
View their other companies + combined net worth →
Active
MCPHERSON, Alan→
director · ~59y · appointed 2002-09-03
View their other companies + combined net worth →
Active
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2002-09-03 · resigned 2002-09-03
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-nominee-director · appointed 2002-09-03 · resigned 2002-09-03
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property02/10/2019—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—10/09/201915/08/2023
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (62 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-18
mortgage-satisfy-charge-full
mortgage · MR04
2023-08-15
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-12
appoint-person-director-company-with-name-date
officers · AP01
2022-08-23
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-29
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-09
accounts-with-accounts-type-micro-entity
accounts · AA
2020-05-28