BANANA ROW LIMITED

🌳Matureactive
SC304076 · ltd · incorporated 2006-06-15
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 17.1y 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
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£86.8k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Retail sale of musical instruments and scores
Sector: Wholesale & retail
ALSO REGISTERED FOR
  • 85520Cultural education
Investor take
Pursue
Active trading company with a 69-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 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 · oldest 17.1y

65/100
clean up first

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

  • · Oldest live charge is 17.1 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 (78/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 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
7 officers (2 active, 7 linked, 2 with DOB)
76
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
57 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 £86,759
Net assets shrinking
Down £5,064 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£87k
↓ 5.5% YoY
Current Assets
£23k
↓ 56% YoY
Current Liabilities
—
£0£18k£37k£55k£73k£92kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2024-12-312023-12-31
Total assets£94.3k£109.3k
Current assets£23.0k£52.6k
Net assets£86.8k£91.8k

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 (30 events)Click to expand
  1. 2025-04-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-09-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-09-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-06-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2022-09-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-08-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-12-12
    ➕
    HUNTER, Craig Ewart appointed
    director
  9. 2019-12-12
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2019-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2018-04-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2017-09-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2017-07-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  14. 2016-09-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-06-23
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-09-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2015-06-05
    ➖
    ALLAN, Fraser Iain resigned
    secretary
  18. 2012-06-01
    ➕
    ALLAN, Fraser Iain appointed
    secretary
  19. 2012-06-01
    ➖
    ROSS, Gemma resigned
    secretary
  20. 2009-07-01
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC
  21. 2009-06-11
    🔒
    Charge registered #1
    Lender: Clydesdale Bank PLC
  22. 2009-06-01
    ➖
    OH, Pauline resigned
    secretary
  23. 2009-06-01
    ➕
    ROSS, Gemma appointed
    secretary
  24. 2008-07-10
    ➖
    DEVLIN, Elizabeth resigned
    secretary
  25. 2008-03-01
    ➕
    OH, Pauline appointed
    secretary
  26. 2006-06-15
    🏢
    Company incorporated
    As BANANA ROW LIMITED
  27. 2006-06-15
    ➕
    HUNTER, James Craig appointed
    director
  28. 2006-06-15
    ➕
    DEVLIN, Elizabeth appointed
    secretary
  29. 2006-06-15
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  30. 2006-06-15
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary

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 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr James Craig Hunter
Individual · British · DOB 08/1957 · age 69
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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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——7527y8577y
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——035y8577y
M&F FUNERAL SERVICES LIMITED→
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——1116y8861y
DRINX.COM LIMITED→
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——£353.7k—26y8363y
GLASGOW ARCHITECTURAL SALVAGE LIMITED→
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————23y8358y
GLENTERRIN LIMITED→
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———710037y8364y
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SC081944 · est 1983 · no financials extracted
————43y8360y
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————19y8368y
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——£208.8k—25y8378y
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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
Incorporated2006-06-15
Jurisdictionscotland
Primary SIC47591 — Retail sale of musical instruments and scores

Registered office

C/O Cowan & Partners
60 Constitution Street
Leith
Edinburgh
EH6 6RR

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-06-29
Last: 2026-06-15

Officers (2 active · 5 resigned)

HUNTER, Craig Ewart→
director · ~30y · appointed 2019-12-12
View their other companies + combined net worth →
Active
HUNTER, James Craig→
director · ~69y · appointed 2006-06-15
View their other companies + combined net worth →
Active
ALLAN, Fraser Iain→
secretary · appointed 2012-06-01 · resigned 2015-06-05
Resigned
DEVLIN, Elizabeth→
secretary · appointed 2006-06-15 · resigned 2008-07-10
Resigned
OH, Pauline→
secretary · appointed 2008-03-01 · resigned 2009-06-01
Resigned
ROSS, Gemma→
secretary · appointed 2009-06-01 · resigned 2012-06-01
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2006-06-15 · resigned 2006-06-15
Resigned

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
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC
Standard security1 property01/07/2009—
outstanding
Virgin Money
Clydesdale Bank PLC
Floating charge1 property11/06/2009—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (57 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-27
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-08
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-17
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-29
change-person-director-company-with-change-date
officers · CH01
2023-06-07
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-29
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-28
accounts-with-accounts-type-micro-entity
accounts · AA
2020-08-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-17
appoint-person-director-company-with-name-date
officers · AP01
2019-12-12