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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 6.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2024
Net worth
£641.5k
book net assets
Opportunity
82/100
Exceptional
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
PursueStrong 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 6.6y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 6.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
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
61 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 £641,460
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£641k
↑ 11% YoY
Current Assets
£422k
↑ 9.1% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-08-31 | 2023-08-31 |
|---|---|---|
| Total assets | £656.0k | £596.8k |
| Current assets | £421.9k | £386.6k |
| Net assets | £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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-05-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-08-15🔓Charge satisfied #1
- 2023-05-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-08-01➕MCPHERSON, Alan appointeddirector
- 2022-05-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-05-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-10-02🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2019-09-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-09-10🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2019-05-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-05-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-05-27📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-28📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2002-09-03🏢Company incorporatedAs MCPHERSON MEMORIALS LIMITED
- 2002-09-03➕KIELTY, Kim appointedsecretary
- 2002-09-03➕KIELTY, Kim appointeddirector
- 2002-09-03➕MCPHERSON, Alan appointeddirector
- 2002-09-03➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2002-09-03➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 2002-09-03➕JORDANS (SCOTLAND) LIMITED appointedcorporate-nominee-director
- 2002-09-03➖JORDANS (SCOTLAND) LIMITED resignedcorporate-nominee-director
Owner dependency
91/100
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
- +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 signalMultiple 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alan Mcpherson Individual · Scottish · DOB 06/1967 · age 59 | 50–75% | — | 50-75% shares | 03/09/2016 |
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 →Similar companies
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| MORVERN COMMUNITY TRADING COMPANY LTD→ SC441180 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
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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: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-09-17
Last: 2025-09-03
Officers (4 active · 2 resigned)
Active
Active
MCPHERSON, Alan→
Activedirector · ~41y · appointed 2022-08-01
View their other companies + combined net worth →
MCPHERSON, Alan→
Activedirector · ~59y · appointed 2002-09-03
View their other companies + combined net worth →
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-09-03 · resigned 2002-09-03
JORDANS (SCOTLAND) LIMITED→
Resignedcorporate-nominee-director · appointed 2002-09-03 · resigned 2002-09-03
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 02/10/2019 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 10/09/2019 | 15/08/2023 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (61 total)
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
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2019-10-11