RAMSAY & JACKSON LIMITED

🌳Matureactive
SC298598 · ltd · incorporated 2006-03-10
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 12.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£6.20M
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: SIC 46610
Sector: Wholesale & retail
Investor take
Pursue
Asset-holding vehicle with a 69-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 69). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 12.6y

85/100
ready

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

  • · Oldest live charge is 12.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (79/100)

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
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
4 active PSC(s) of 5 total, 5 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
48 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 £6,195,552
Cash YoY
+10%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£3.7m
↑ 9.9% YoY
Net Worth
£6.2m
↑ 3.4% YoY
Current Assets
£8.1m
↓ 5.4% YoY
Current Liabilities
—
£0£1.7m£3.4m£5.1m£6.8m£8.5mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£6.47M£6.17M
Current assets£8.08M£8.54M
Cash£3.73M£3.40M
Debtors£1.31M£1.24M
Net assets£6.20M£5.99M

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
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2025-12-16
    📄
    accounts-with-accounts-type-medium
    accounts · AA
  2. 2024-11-22
    📄
    accounts-with-accounts-type-full
    accounts · AA
  3. 2024-03-04
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2023-12-22
    📄
    accounts-with-accounts-type-full
    accounts · AA
  5. 2023-07-20
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  6. 2023-07-20
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  7. 2023-03-29
    📄
    accounts-with-accounts-type-full
    accounts · AA
  8. 2021-12-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-03-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-12-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-07-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2017-12-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-01-07
    📄
    accounts-with-accounts-type-full
    accounts · AA
  14. 2016-03-16
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-12-21
    📄
    accounts-with-accounts-type-full
    accounts · AA
  16. 2014-10-15
    🔓
    Charge satisfied #1
  17. 2013-09-26
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  18. 2006-03-10
    🏢
    Company incorporated
    As RAMSAY & JACKSON LIMITED
  19. 2006-03-10
    ➕
    RAMSAY, Neil appointed
    secretary
  20. 2006-03-10
    ➕
    RAMSAY, Neil appointed
    director
  21. 2006-03-10
    ➕
    RAMSAY, William appointed
    director

Owner dependency

100/100
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.
  • +Founder name in company name: Company name contains director surname "RAMSAY" — 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.
  • +Founder age: Director aged approximately 69 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100
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 69. Approaching typical UK retirement age — succession thinking likely.
  • 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

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

Shareholders & ownership

4 active beneficial owners · fragmented
NameSharesVoting rightsNature of controlNotified
Mrs Dianne Ramsay
Individual · British · DOB 05/1964 · age 62
25–50%
—25-50% shares06/04/2016
Mr Neil Ramsay
Individual · British · DOB 02/1959 · age 67
25–50%
—25-50% shares06/04/2016
Mr William Ramsay
Individual · British · DOB 05/1957 · age 69
25–50%
—25-50% shares06/04/2016
Mrs Elizabeth Ramsay
Individual · British · DOB 04/1960 · age 66
25–50%
—25-50% shares06/04/2016
1 historic (ceased) PSC
  • Mrs Elizabeth Ramsayceased 20/07/2023· 25-50% shares

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

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
Incorporated2006-03-10
Jurisdictionscotland
Primary SIC46610 — SIC 46610

Registered office

Knowehead Works
Mauchline
KA5 6EY

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-24
Last: 2026-03-10

Officers (3 active · 0 resigned)

RAMSAY, Neil→
secretary · appointed 2006-03-10
View their other companies + combined net worth →
Active
RAMSAY, Neil→
director · ~67y · appointed 2006-03-10
View their other companies + combined net worth →
Active
RAMSAY, William→
director · ~69y · appointed 2006-03-10
View their other companies + combined net worth →
Active

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—26/09/201315/10/2014

Recent filings (48 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-11
accounts-with-accounts-type-medium
accounts · AA
2025-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-19
accounts-with-accounts-type-full
accounts · AA
2024-11-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-13
change-person-director-company-with-change-date
officers · CH01
2024-03-04
accounts-with-accounts-type-full
accounts · AA
2023-12-22
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-07-20
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-07-20
accounts-with-accounts-type-full
accounts · AA
2023-03-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-22