BERWICKS LIMITED

🌳Matureactive
SC257822 · ltd · incorporated 2003-10-17
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 14.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
£225.8k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Other service activities n.e.c.
Sector: Other service activities
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 14.3y

70/100
ready

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

  • · Oldest live charge is 14.3 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

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

Company profile
address, 1 SIC codes, incorporation date
100
Financials
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, 5 with DOB)
84
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 · accounting standard not declared
Positive net assets
Net assets £225,805

Key financials

2 years extracted from filed iXBRL accounts
Cash
£142k
Net Worth
£226k
↑ 261% YoY
Current Assets
£731k
↑ 91% YoY
Current Liabilities
—
-£140k£34k£208k£382k£556k£731kOct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-10-312023-10-31
Total assets£227.3k£-140.4k
Current assets£730.6k£382.2k
Cash£142.0k—
Debtors£588.6k£382.2k
Net assets£225.8k£-140.4k

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
1
filing
  • • 1 mortgage
Last 180 days
1
filing
  • • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2026-02-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2026-02-10
    🔒
    Charge registered #2
    Lender: Juice Ventures Limited
  3. 2025-07-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-10-24
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2024-10-24
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2024-07-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-05-08
    ➖
    KEELAN, Gordon Douglas Birdwood, Lt Col resigned
    director
  8. 2024-05-08
    ➖
    KEELAN, Susan Katherine resigned
    director
  9. 2023-12-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2023-11-27
    ➕
    YOUNGS, Richard Edward Alexander appointed
    director
  11. 2023-07-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-04-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-07-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2020-10-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-07-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-11-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2018-11-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  18. 2018-10-31
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2018-10-31
    📄
    change-person-director-company-with-change-date
    officers · CH01
  20. 2018-10-31
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  21. 2018-07-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2012-01-04
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  23. 2007-10-01
    ➕
    MURRAY, Jamie Cameron appointed
    secretary
  24. 2007-10-01
    ➖
    CASSELS, Robert James Kirk resigned
    secretary
  25. 2007-01-29
    ➕
    MURRAY, Jamie Cameron appointed
    director
  26. 2005-03-31
    ➖
    BARRY, John resigned
    director
  27. 2003-10-17
    🏢
    Company incorporated
    As BERWICKS LIMITED
  28. 2003-10-17
    ➕
    CASSELS, Robert James Kirk appointed
    secretary
  29. 2003-10-17
    ➕
    BARRY, John appointed
    director
  30. 2003-10-17
    ➕
    KEELAN, Gordon Douglas Birdwood, Lt Col appointed
    director
  31. 2003-10-17
    ➕
    KEELAN, Susan Katherine appointed
    director

Owner dependency

68/100
High — earn-out structure required

Material 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 19 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

49/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 19 years.
  • 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 Jamie Cameron Murray
Individual · British · DOB 03/1972 · age 54
50–75%
—50-75% 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 →

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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
Incorporated2003-10-17
Jurisdictionscotland
Primary SIC96090 — Other service activities n.e.c.

Registered office

6 Logie Mill
Beaverbank Business Park
Edinburgh
Lothian
EH7 4HG

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-10-31
Last: 2025-10-17

Officers (3 active · 4 resigned)

MURRAY, Jamie Cameron→
secretary · appointed 2007-10-01
View their other companies + combined net worth →
Active
MURRAY, Jamie Cameron→
director · ~54y · appointed 2007-01-29
View their other companies + combined net worth →
Active
YOUNGS, Richard Edward Alexander→
director · ~51y · appointed 2023-11-27
View their other companies + combined net worth →
Active
CASSELS, Robert James Kirk→
secretary · appointed 2003-10-17 · resigned 2007-10-01
Resigned
BARRY, John→
director · ~82y · appointed 2003-10-17 · resigned 2005-03-31
Resigned
KEELAN, Gordon Douglas Birdwood, Lt Col→
director · ~84y · appointed 2003-10-17 · resigned 2024-05-08
Resigned
KEELAN, Susan Katherine→
director · ~79y · appointed 2003-10-17 · resigned 2024-05-08
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Juice Ventures
Juice Ventures Limited
A registered charge1 property10/02/2026—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Floating charge1 property04/01/2012—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (67 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-30
termination-director-company-with-name-termination-date
officers · TM01
2024-10-24
termination-director-company-with-name-termination-date
officers · TM01
2024-10-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-30
appoint-person-director-company-with-name-date
officers · AP01
2023-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-27