CAMPBELL & MCCONNACHIE LIMITED

🌳Matureactive

SC314177 · ltd · incorporated 2007-01-05

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

—

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Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Other activities auxiliary to insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (58/100)

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

No iXBRL financials extracted

Lenders & charges

Confirmed no charges registered

Directors & officers

7 officers (5 active, 7 linked, 6 with DOB)

Ownership & PSC

1 active PSC(s) of 5 total, 5 with control declared

Director network

5 connected companies via shared directors

Filing history

74 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (30 events)Click to expand

2025-09-25
📄
accounts-with-accounts-type-full
accounts · AA
2024-10-01
📄
accounts-with-accounts-type-full
accounts · AA
2023-07-04
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-04-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-28
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2023-03-27
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-03-27
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-02-02
📄
capital-variation-of-rights-attached-to-shares
capital · SH10
2023-02-02
📄
capital-name-of-class-of-shares
capital · SH08
2023-02-02
📄
statement-of-companys-objects
change-of-constitution · CC04
2023-02-02
📄
memorandum-articles
incorporation · MA
2023-02-02
📄
resolution
resolution · RESOLUTIONS
2023-01-31
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-01-20
➕
MCKAY, Jennifer Anne appointed
director
2022-11-30
📄
resolution
resolution · RESOLUTIONS
2022-11-29
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-29
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-07
📄
capital-name-of-class-of-shares
capital · SH08
2022-03-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-06
📄
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2021-05-05
📄
resolution
resolution · RESOLUTIONS
2021-03-30
➕
LOCK, Euan Halliday appointed
director
2017-12-31
➖
CRUICKSHANKS, Neil Macdonald resigned
director
2017-12-31
➖
MCCONNACHIE, Colin resigned
director
2007-01-05
🏢
Company incorporated
As CAMPBELL & MCCONNACHIE LIMITED
2007-01-05
➕
DAVIDSON, Ross William appointed
secretary
2007-01-05
➕
DAVIDSON, Ross William appointed
director
2007-01-05
➕
MCCONACHIE, David Alexander appointed
director
2007-01-05
➕
CRUICKSHANKS, Neil Macdonald appointed
director
2007-01-05
➕
MCCONNACHIE, Colin appointed
director

Owner dependency

58/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

73/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
secondary12+ year tenure: Director in role 19 years.
secondaryStable-but-static management: Company is 19 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.)

Group structure

Cm Bidco Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Cm Bidco Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

CAMPBELL & MCCONNACHIE LIMITED

This company · SC314177

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Cm Bidco Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	22/03/2023

4 historic (ceased) PSCs

Mr Ross William Davidsonceased 22/03/2023· 25-50% shares · 25-50% voting
Mr David Alexander Mcconachieceased 22/03/2023· 25-50% shares · 25-50% voting
Mr Colin Mcconnachieceased 31/12/2017· significant influence
Mr Neil Macdonald Cruickshanksceased 18/12/2017· significant influence

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.

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Similar companies

Active · Financial services · IV postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
CHAPMAN OF INVERNESS LIMITED→ SC020899 · est 1939	—	—	—	400	87y	82	77y
LEGGATTS FINANCIAL SERVICES LIMITED→ SC255061 · est 2003	—	—	£38.1k	—	22y	81	73y
ARGYLL TRUSTEES LIMITED→ SC382862 · est 2010	—	—	£1	—	15y	80	84y
BLACK DOG FINANCIAL SERVICES LTD.→ SC265100 · est 2004	—	—	£61.1k	—	22y	80	71y
DALZIELS PRIVATE PERSONAL FINANCE LIMITED→ SC243222 · est 2003	—	—	£142.9k	—	23y	80	61y
DUNDONNELL INVESTMENTS LIMITED→ SC226018 · est 2001	—	—	—	100	24y	80	82y
ELMBRAE MORTGAGE & PENSIONS LTD.→ SC265582 · est 2004	—	—	£100.0k	—	22y	80	62y
HUTCHESON FINANCIAL SERVICES LIMITED→ SC352018 · est 2008	—	—	£11.6k	—	17y	80	65y
MACKENZIE TAYLOR WEALTH MANAGEMENT LTD.→ SC313079 · est 2006	—	—	£107.3k	—	19y	80	64y
MUNRO & NOBLE FINANCIAL SERVICES LIMITED→ SC227417 · est 2002	—	—	—	0	24y	80	66y
NORTHWAY FINANCE LIMITED→ SC075393 · est 1981 · no financials extracted	—	—	—	—	44y	80	84y
SIR IAIN NOBLE & PARTNERS LIMITED→ SC208134 · est 2000	—	—	—	0	25y	80	67y

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.

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🔒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.

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Company details

Statusactive

Typeltd

Incorporated2007-01-05

Jurisdictionscotland

Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

Harbour House, 1 Shore Street

Lossiemouth

Moray

IV31 6PD

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-01-19

Last: 2026-01-05