JOHN R. CRAIG (KINTORE) LIMITED

🌳Matureactive
SC280097 · ltd · incorporated 2005-02-16
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£258.8k
book net assets
Opportunity
80/100
Exceptional
🔔
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What this business does
Primary activity: Development of building projects
Sector: Construction
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 77/100. Strong seller-intent signal (60/100, director aged 59). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

12 live charges · 6 lenders · oldest 21.0y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 21.0 years old — likely at or near maturity.
  • · 6 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

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
12 charges (12/12 with lender, 12/12 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 4 with DOB)
83
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
97 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
77
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 £258,760
Net assets shrinking
Down £87,450 YoY
Cash YoY
+66%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£266k
↑ 66% YoY
Net Worth
£259k
↓ 25% YoY
Current Assets
£266k
↓ 24% YoY
Current Liabilities
—
£0£70k£139k£209k£278k£348kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-06-302024-06-30
Total assets£258.8k£346.2k
Current assets£265.7k£347.7k
Cash£265.6k£159.6k
Debtors£105£90
Net assets£258.8k£346.2k

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 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (50 events)Click to expand
  1. 2025-10-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-01-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-09-02
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2024-09-02
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-09-02
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2024-09-02
    🔓
    Charge satisfied #8
  7. 2024-09-02
    🔓
    Charge satisfied #7
  8. 2024-09-02
    🔓
    Charge satisfied #4
  9. 2024-01-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2023-02-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-09-29
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2022-09-29
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  13. 2022-09-29
    🔓
    Charge satisfied #10
  14. 2022-09-29
    🔓
    Charge satisfied #9
  15. 2022-03-22
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  16. 2022-03-22
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  17. 2022-03-22
    🔓
    Charge satisfied #12
  18. 2022-03-22
    🔓
    Charge satisfied #11
  19. 2022-02-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2021-02-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2020-03-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2019-03-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2018-03-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2018-03-21
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  25. 2016-10-15
    ➖
    CRAIG, David Alexander resigned
    director
  26. 2015-03-26
    🔒
    Charge registered #12
    Lender: Scotia Homes Limited
  27. 2015-03-05
    🔒
    Charge registered #11
    Lender: Cala Management Limited
  28. 2014-12-24
    🔓
    Charge satisfied #6
  29. 2014-12-24
    🔓
    Charge satisfied #5
  30. 2014-12-24
    🔓
    Charge satisfied #1
  31. 2014-06-11
    🔓
    Charge satisfied #3
  32. 2014-06-11
    🔓
    Charge satisfied #2
  33. 2013-06-05
    🔒
    Charge registered #10
    Lender: Bank of Scotland PLC
  34. 2013-06-05
    🔒
    Charge registered #8
    Lender: John R Craig (Kintore) Limited
  35. 2013-06-04
    🔒
    Charge registered #9
    Lender: Bank of Scotland PLC
  36. 2008-11-04
    🔒
    Charge registered #7
    Lender: Clydesdale Bank PLC
  37. 2008-01-17
    🔒
    Charge registered #6
    Lender: Clydesdale Bank Public Limited Company
  38. 2007-08-24
    🔒
    Charge registered #5
    Lender: Clydesdale Bank Public Limited Company
  39. 2007-02-15
    🔒
    Charge registered #4
    Lender: Clydesdale Bank Public Limited Company
  40. 2006-07-03
    🔒
    Charge registered #3
    Lender: Clydesdale Bank Public Limited Company
  41. 2005-06-08
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  42. 2005-05-20
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  43. 2005-02-16
    🏢
    Company incorporated
    As JOHN R. CRAIG (KINTORE) LIMITED
  44. 2005-02-16
    ➕
    WYNESS, Marie- Louise appointed
    secretary
  45. 2005-02-16
    ➕
    WYNESS, Marie-Louise appointed
    director
  46. 2005-02-16
    ➕
    WYNESS, Sean Duncan appointed
    director
  47. 2005-02-16
    ➕
    YOUNG, Carol Alexandra appointed
    director
  48. 2005-02-16
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  49. 2005-02-16
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  50. 2005-02-16
    ➕
    CRAIG, David Alexander appointed
    director

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Long-tenure founder: Senior director has been in place 21 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 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 21 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

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

David Craig Discretionary Trust holds majority control (50-75%). Likely parent but not wholly-owned.

🏛️
David Craig Discretionary Trust
Corporate parent · holds 50-75% shares
majority
⬇
JOHN R. CRAIG (KINTORE) LIMITED
This company · SC280097

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
David Craig Discretionary Trust
Corporate entity
50–75%
50–75%sig. influence50-75% shares · 50-75% voting · significant influence · firm interest06/04/2016

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
Incorporated2005-02-16
Jurisdictionscotland
Primary SIC41100 — Development of building projects

Registered office

7 Constitution Street
Inverurie
Aberdeenshire
AB51 4SQ

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-03-02
Last: 2026-02-16

Officers (4 active · 2 resigned)

WYNESS, Marie- Louise→
secretary · appointed 2005-02-16
View their other companies + combined net worth →
Active
WYNESS, Marie-Louise→
director · ~56y · appointed 2005-02-16
View their other companies + combined net worth →
Active
WYNESS, Sean Duncan→
director · ~55y · appointed 2005-02-16
View their other companies + combined net worth →
Active
YOUNG, Carol Alexandra→
director · ~59y · appointed 2005-02-16
View their other companies + combined net worth →
Active
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2005-02-16 · resigned 2005-02-16
Resigned
CRAIG, David Alexander→
director · ~82y · appointed 2005-02-16 · resigned 2016-10-15
Resigned

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

Mortgages & charges

12
Total charges
0
Outstanding
0
Active lenders
Status:Lender:12 of 12 shown
TypeProperties
satisfied
Scotia Homes
Scotia Homes Limited
A registered charge1 property26/03/201522/03/2022
satisfied
Cala Management
Cala Management Limited
A registered charge1 property05/03/201522/03/2022
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/06/201329/09/2022
satisfied
John R Craig (Kintore)
John R Craig (Kintore) Limited
A registered charge1 property05/06/201302/09/2024
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property04/06/201329/09/2022
satisfied
Virgin Money
Clydesdale Bank PLC
Standard security1 property04/11/200802/09/2024
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property17/01/200824/12/2014
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property24/08/200724/12/2014
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property15/02/200702/09/2024
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property03/07/200611/06/2014
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property08/06/200511/06/2014
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property20/05/200524/12/2014

Recent filings (97 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-08
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-02
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-02
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-01
mortgage-satisfy-charge-full
mortgage · MR04
2022-09-29
mortgage-satisfy-charge-full
mortgage · MR04
2022-09-29
mortgage-satisfy-charge-full
mortgage · MR04
2022-03-22
mortgage-satisfy-charge-full
mortgage · MR04
2022-03-22