CUMBRAE SUPPLY COMPANY LIMITED

🌳Matureactive
SC298312 · ltd · incorporated 2006-03-07
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 17.4y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
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Turnover
—
year to Nov 2025
Net worth
£136.4k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: SIC 46342
Sector: Wholesale & retail
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 82/100 (exceptional), bankability 80/100. 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 (65/100).

🏦

Refinance opportunity

1 live charge · oldest 17.4y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 17.4 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 (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
60 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 · FRS 105 (micro)
Positive net assets
Net assets £136,378

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£136k
↑ 122% YoY
Current Assets
£497k
↑ 4.8% YoY
Current Liabilities
—
£0£99k£199k£298k£397k£497kNov 2024Nov 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-11-302024-11-30
Total assets£142.0k£75.5k
Current assets£496.9k£474.0k
Net assets£136.4k£61.4k

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
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-04-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-09-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-08-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-07-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-03-25
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2024-03-21
    ➕
    MACDUFF, Iain James Stewart appointed
    director
  7. 2023-08-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2023-03-21
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  9. 2023-03-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2022-11-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2021-11-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2020-12-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-04-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-05-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2016-08-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2009-01-19
    🔒
    Charge registered #1
    Lender: Royal Bank of Scotland PLC
  18. 2008-03-12
    ➖
    MACDUFF, Stewart Gordon resigned
    director
  19. 2006-03-07
    🏢
    Company incorporated
    As CUMBRAE SUPPLY COMPANY LIMITED
  20. 2006-03-07
    ➕
    MACDUFF, Jane Victoria appointed
    secretary
  21. 2006-03-07
    ➕
    MACDUFF, Jane Victoria appointed
    director
  22. 2006-03-07
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  23. 2006-03-07
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  24. 2006-03-07
    ➕
    MACDUFF, Stewart Gordon appointed
    director
  25. 2006-03-07
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  26. 2006-03-07
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

91/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 74 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

46/100
Moderate signal

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

SIGNALS
  • primaryFamily succession underway: Not a takeover target — MACDUFF, Iain James Stewart (same surname) appointed 2024-03-21. Pattern consistent with intra-family handover.
  • primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
  • 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.
  • 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 Iain James Stewart Macduff
Individual · British · DOB 07/1981 · age 45
25–50%
—25-50% shares01/03/2020
Mrs Jane Victoria Macduff
Individual · British · DOB 03/1952 · age 74
25–50%
—25-50% shares06/04/2016

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

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CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
SPRINGBANK DISTILLERS LIMITED→
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£5.47M
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——2461y8390y
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SC073174 · est 1980
£4.29M
£3.22M–£5.36M
——1445y8162y
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SC215478 · est 2001
———670025y8363y
WILLIAM CADENHEAD LIMITED→
SC052072 · est 1972
———1153y8390y
BATHROOM ELEGANCE LIMITED→
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——£1.73M—34y8263y
CMC (SHIP CHANDLERS) LIMITED→
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———20038y8259y
D MCNAIR & SON LTD.→
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——£3.04M—15y8261y
JOHN SCOTT MEAT (PAISLEY) LIMITED→
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——£3.21M—39y8265y
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——£491.0k—21y8262y
NAPIER & CRAIG LIMITED→
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——£96.8k—78y8287y
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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
Incorporated2006-03-07
Jurisdictionscotland
Primary SIC46342 — SIC 46342

Registered office

Office 3 Business First Burnbrae Road
Linwood
Paisley
PA3 3FP
Scotland

Filing status

Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2027-03-21
Last: 2026-03-07

Officers (3 active · 3 resigned)

MACDUFF, Jane Victoria→
secretary · appointed 2006-03-07
View their other companies + combined net worth →
Active
MACDUFF, Iain James Stewart→
director · ~45y · appointed 2024-03-21
View their other companies + combined net worth →
Active
MACDUFF, Jane Victoria→
director · ~74y · appointed 2006-03-07
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2006-03-07 · resigned 2006-03-07
Resigned
MACDUFF, Stewart Gordon→
director · ~86y · appointed 2006-03-07 · resigned 2008-03-12
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2006-03-07 · resigned 2006-03-07
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
Bond & floating charge1 property19/01/2009—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (60 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-02
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-28
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-25
appoint-person-director-company-with-name-date
officers · AP01
2024-03-25
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-11
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-03-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-21
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-11
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-30