HOME & GARDENS LIMITED

🌳Matureactive
SC281966 · ltd · incorporated 2005-03-21
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£2.17M
book net assets
Opportunity
82/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Retail sale of hardware, paints and glass in specialised stores
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 16.1y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 16.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (77/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
59 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 · accounting standard not declared
Positive net assets
Net assets £2,171,450
Cash YoY
-16%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£537k
↓ 16% YoY
Net Worth
£2.2m
↑ 7.3% YoY
Current Assets
£1.9m
↑ 10% YoY
Current Liabilities
—
£0£434k£869k£1.3m£1.7m£2.2mDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£2.19M£2.07M
Current assets£1.87M£1.69M
Cash£536.7k£635.1k
Debtors£670.1k£329.0k
Net assets£2.17M£2.02M

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
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-09-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-05-02
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  5. 2023-05-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2022-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-12-21
    📄
    capital-allotment-shares
    capital · SH01
  8. 2021-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-09-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-02-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2019-09-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2018-08-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-03-16
    ➖
    YOUNG, Fiona Riley resigned
    secretary
  14. 2018-03-16
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  15. 2017-10-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2016-09-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2013-01-21
    ➕
    MCCOLM, Jacqueline appointed
    director
  18. 2010-05-28
    ➕
    MCCOLM, Thomas appointed
    director
  19. 2010-03-16
    🔒
    Charge registered #1
    Lender: Royal Bank of Scotland PLC
  20. 2005-04-20
    ➕
    MCCOLM, Duncan appointed
    director
  21. 2005-04-20
    ➕
    YOUNG, Fiona Riley appointed
    secretary
  22. 2005-03-22
    ➖
    FORM 10 SECRETARIES FD LTD resigned
    corporate-nominee-secretary
  23. 2005-03-22
    ➖
    FORM 10 DIRECTORS FD LTD resigned
    corporate-nominee-director
  24. 2005-03-21
    🏢
    Company incorporated
    As HOME & GARDENS LIMITED
  25. 2005-03-21
    ➕
    FORM 10 SECRETARIES FD LTD appointed
    corporate-nominee-secretary
  26. 2005-03-21
    ➕
    FORM 10 DIRECTORS FD LTD appointed
    corporate-nominee-director

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 68 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
  • 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Duncan Mccolm
Individual · British · DOB 10/1958 · age 68
50–75%
—50-75% shares06/04/2016
Mrs Jacqueline Mccolm
Individual · British · DOB 11/1958 · age 68
25–50%
—25-50% shares21/03/2022

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Retail · DG postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
GRETNA GREEN LTD→
SC052082 · est 1972
£861.4k
£646.1k–£1.08M
——24953y8876y
J. D. OWEN & SON (BUTCHERS) LIMITED→
SC246487 · est 2003
£87.3k
£65.5k–£109.1k
——1223y8262y
CALMAC DEVELOPMENTS LIMITED→
SC084696 · est 1983
——£3.65M—42y8275y
GRANITE WORKS LIMITED→
SC204911 · est 2000
——£999.8k—26y8258y
MONAGHAN JEWELLERS LIMITED→
SC257901 · est 2003
———170022y8273y
POUNDSAVER STORES LIMITED→
SC227065 · est 2002
——£263.4k—24y8276y
R. BARBOUR & SONS. LIMITED→
SC010111 · est 1918
——£3.34M—107y8261y
T.B. WATSON LIMITED→
SC013260 · est 1924
———1300101y8266y
CELSTEEL LIMITED→
SC039247 · est 1963
——£1.71M—62y8194y
A. D. LIVINGSTON & SONS LIMITED→
SC274923 · est 2004
——£3.5k—21y8066y
ALTERNATIVE CENTRE (DUMFRIES) LIMITED→
SC250007 · est 2003
——£47.9k—22y8080y
B & N ROBERTSON LIMITED→
SC350499 · est 2008
———30017y8062y
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

7 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
Incorporated2005-03-21
Jurisdictionscotland
Primary SIC47520 — Retail sale of hardware, paints and glass in specialised stores

Registered office

84 George Street
Stranraer
Wigtownshire
DG9 7JS

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-04-04
Last: 2026-03-21

Officers (3 active · 3 resigned)

MCCOLM, Duncan→
director · ~68y · appointed 2005-04-20
View their other companies + combined net worth →
Active
MCCOLM, Jacqueline→
director · ~68y · appointed 2013-01-21
View their other companies + combined net worth →
Active
MCCOLM, Thomas→
director · ~35y · appointed 2010-05-28
View their other companies + combined net worth →
Active
YOUNG, Fiona Riley→
secretary · appointed 2005-04-20 · resigned 2018-03-16
Resigned
FORM 10 SECRETARIES FD LTD→
corporate-nominee-secretary · appointed 2005-03-21 · resigned 2005-03-22
Resigned
FORM 10 DIRECTORS FD LTD→
corporate-nominee-director · appointed 2005-03-21 · resigned 2005-03-22
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
Floating charge1 property16/03/2010—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (59 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-02
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-05-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-05-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-27
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-05
capital-allotment-shares
capital · SH01
2021-12-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-09