A & J MURCHIE LIMITED
🌳Matureactive
SC295564 · ltd · incorporated 2006-01-17
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 20.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: SIC 01410
Sector: Agriculture, forestry & fishing
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 82/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. 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 (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 20.1y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 20.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (78/100)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
4 officers (2 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
63 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 900 | 1000 |
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 mortgage
Last 90 days
1
filing
- • 1 mortgage
Last 180 days
2
filings
- • 1 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2026-04-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-14🔒Charge registered #2Lender: Bank of Scotland PLC
- 2025-09-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-09-29📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-09-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-09-29📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-08-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-21📄capital-cancellation-sharescapital · SH06
- 2025-05-20📄capital-return-purchase-own-sharescapital · SH03
- 2025-05-16📄memorandum-articlesincorporation · MA
- 2025-05-16📄resolutionresolution · RESOLUTIONS
- 2025-05-16📄resolutionresolution · RESOLUTIONS
- 2025-05-16📄capital-name-of-class-of-sharescapital · SH08
- 2025-04-08📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-04-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-31➖MURCHIE, Fiona resignedsecretary
- 2025-03-31➖MURCHIE, James Wylie resigneddirector
- 2024-12-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-01-31➕MURCHIE, Scott appointeddirector
- 2021-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2006-04-03🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2006-01-17🏢Company incorporatedAs A & J MURCHIE LIMITED
- 2006-01-17➕MURCHIE, Andrew John appointeddirector
- 2006-01-17➕MURCHIE, Fiona appointedsecretary
- 2006-01-17➕MURCHIE, James Wylie appointeddirector
Owner dependency
99/100
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "MURCHIE" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- primaryFamily succession underway: Not a takeover target — MURCHIE, Scott (same surname) appointed 2022-01-31. Pattern consistent with intra-family handover.
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 20 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew John Murchie Individual · British · DOB 01/1966 · age 60 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 01/09/2025 |
Mr Scott Murchie Individual · British · DOB 09/1991 · age 35 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/09/2025 |
2 historic (ceased) PSCs
- Mr Andrew John Murchieceased 01/09/2025· 25-50% shares · 25-50% voting
- Mr James Wylie Murchieceased 28/03/2025· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Agriculture · DG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| LARG FARMING COMPANY LIMITED→ SC247253 · est 2003 | — | — | — | 1 | 23y | 83 | 89y |
| A H S DRUMMOND (GLENSIDE) LIMITED→ SC324103 · est 2007 | — | — | £660.6k | — | 18y | 82 | 84y |
| ALLAN SMITH FENCING & FORESTRY LIMITED→ SC287999 · est 2005 | — | — | — | 2 | 20y | 82 | 71y |
| R & A KINCAID LTD→ SC724267 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ROGERMOOR FARM LIMITED→ SC130133 · est 1991 · no financials extracted | — | — | — | — | 35y | — | — |
| ROSS (EXPORT) LIMITED→ SC299942 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| SCT RETAIL LTD→ SC776436 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| SLAGNAW FARMING LIMITED→ SC479947 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| SLOAN FARMING LIMITED→ SC803809 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| SLOCKMILL AND INSHANKS FARMS LIMITED→ SC030327 · est 1954 · no financials extracted | — | — | — | — | 71y | — | — |
| THE DOURIE FARMING COMPANY LIMITED→ SC030418 · est 1954 · no financials extracted | — | — | — | — | 71y | — | — |
| THE FOREST RIDGE PROJECT LTD→ SC694446 · est 2021 · 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
Incorporated2006-01-17
Jurisdictionscotland
Primary SIC01410 — SIC 01410
Registered office
Gullielands Farm
Annan
Dumfriesshire
DG12 5LJ
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-10
Last: 2025-10-27
Officers (2 active · 2 resigned)
MURCHIE, Andrew John→
Activedirector · ~60y · appointed 2006-01-17
View their other companies + combined net worth →
MURCHIE, Scott→
Activedirector · ~35y · appointed 2022-01-31
View their other companies + combined net worth →
MURCHIE, Fiona→
Resignedsecretary · appointed 2006-01-17 · resigned 2025-03-31
MURCHIE, James Wylie→
Resigneddirector · ~65y · appointed 2006-01-17 · resigned 2025-03-31
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 Bank of Scotland PLC | A registered charge | 1 property | 14/04/2026 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 03/04/2006 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (63 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-16
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-05
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-09-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-09-29
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-09-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-09-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-27
capital-cancellation-shares
capital · SH06
2025-05-21
capital-return-purchase-own-shares
capital · SH03
2025-05-20
memorandum-articles
incorporation · MA
2025-05-16
resolution
resolution · RESOLUTIONS
2025-05-16
resolution
resolution · RESOLUTIONS
2025-05-16
capital-name-of-class-of-shares
capital · SH08
2025-05-16
termination-secretary-company-with-name-termination-date
officers · TM02
2025-04-08
termination-director-company-with-name-termination-date
officers · TM01
2025-04-08