STIRLING AUTO SERVICES LIMITED
🌳Matureactive
SC247130 · ltd · incorporated 2003-04-02
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 17.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£358.6k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: SIC 45200
Sector: Wholesale & retail
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (63/100).
🏦
Refinance opportunity
2 live charges · oldest 17.6y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 17.6 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
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £358,566
Cash YoY
+20%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£206k
↑ 20% YoY
Net Worth
£359k
↑ 32% YoY
Current Assets
£363k
↑ 12% 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 | £365.7k | £276.0k |
| Current assets | £363.5k | £324.7k |
| Cash | £205.8k | £171.4k |
| Net assets | £358.6k | £270.7k |
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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-03-19➕MCCORMACK, Andrew Alasdair appointeddirector
- 2021-02-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-13📄change-person-director-company-with-change-dateofficers · CH01
- 2018-04-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2017-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-12-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-08📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-03-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2016-02-28➖MCINTYRE, Roy Arthur resigneddirector
- 2008-11-14🔒Charge registered #2Lender: Royal Bank of Scotland PLC
- 2008-10-09🔒Charge registered #1Lender: Royal Bank of Scotland PLC
- 2003-04-02🏢Company incorporatedAs STIRLING AUTO SERVICES LIMITED
- 2003-04-02➕MCINTYRE, Susan Elizabeth appointedsecretary
- 2003-04-02➕MCINTYRE, Stephen John appointeddirector
- 2003-04-02➕BRIAN REID LTD. appointedcorporate-nominee-secretary
- 2003-04-02➖BRIAN REID LTD. resignedcorporate-nominee-secretary
- 2003-04-02➕MCINTYRE, Roy Arthur appointeddirector
- 2003-04-02➕STEPHEN MABBOTT LTD. appointedcorporate-nominee-director
- 2003-04-02➖STEPHEN MABBOTT LTD. resignedcorporate-nominee-director
Owner dependency
68/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
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 23 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stephen John Mcintyre Individual · British · DOB 05/1974 · age 52 | 75–100% | — | 75-100% shares | 06/04/2016 |
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 · Automotive · FK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| J K TYRES AND AUTOCENTRE (STENHOUSEMUIR) LIMITED→ SC661261 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| NORTHEND GARAGE LIMITED→ SC484855 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| PEOPLES ECOSSE LIMITED→ SC176576 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| PEOPLES LIVERPOOL LIMITED→ SC112752 · est 1988 · no financials extracted | — | — | — | — | 37y | — | — |
| PRO-DIVISION CAR SALES LTD→ SC606097 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| REDHOUSE GARAGE (SCOTLAND) LIMITED→ SC348251 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| RMA AUTO SERVICES LTD→ SC811811 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| SANDOMINGO LTD→ SC831921 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| SPARE PARTS LTD→ SC732024 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| SPRINGKERSE AUTO CENTRE LTD→ SC423127 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| SQUARE DEAL MOTORS LIMITED→ SC134473 · est 1991 · no financials extracted | — | — | — | — | 34y | — | — |
| STIRLING BODYSHOP LTD→ SC680763 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2003-04-02
Jurisdictionscotland
Primary SIC45200 — SIC 45200
Registered office
9 Borrowmeadow Road
Springkerse Industrial
Estate
Stirling
FK7 7UW
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-16
Last: 2026-04-02
Officers (3 active · 3 resigned)
MCINTYRE, Susan Elizabeth→
Activesecretary · appointed 2003-04-02
View their other companies + combined net worth →
MCCORMACK, Andrew Alasdair→
Activedirector · ~55y · appointed 2021-03-19
View their other companies + combined net worth →
MCINTYRE, Stephen John→
Activedirector · ~52y · appointed 2003-04-02
View their other companies + combined net worth →
BRIAN REID LTD.→
Resignedcorporate-nominee-secretary · appointed 2003-04-02 · resigned 2003-04-02
MCINTYRE, Roy Arthur→
Resigneddirector · ~79y · appointed 2003-04-02 · resigned 2016-02-28
STEPHEN MABBOTT LTD.→
Resignedcorporate-nominee-director · appointed 2003-04-02 · resigned 2003-04-02
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 14/11/2008 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 09/10/2008 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (67 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-20
appoint-person-director-company-with-name-date
officers · AP01
2021-03-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-23