MACKAY PROPERTIES (DURNESS) LTD

🌳Matureactive

SC318489 · ltd · incorporated 2007-03-14

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

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 15.7y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£585.7k

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Other holiday and other collective accommodation

Sector: Accommodation & food service

Investor take

Pursue

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

Opportunity 77/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (63/100).

🏦

Refinance opportunity

1 live charge · oldest 15.7y

65/100

clean up first

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

· Oldest live charge is 15.7 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: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

3 officers (3 active, 3 linked, 2 with DOB)

Ownership & PSC

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

Director network

3 connected companies via shared directors

Filing history

41 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

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 £585,665

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£586k

↑ 12% YoY

Current Assets

£580k

↑ 16% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-03-31	2024-03-31
Total assets	£585.7k	£525.3k
Current assets	£580.4k	£499.0k
Net assets	£585.7k	£525.3k

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

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (20 events)Click to expand

2025-12-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-20
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-07
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-12-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-09-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-03-19
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-12-05
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-01-26
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-04-10
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-12-28
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-03-20
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2010-08-03
🔒
Charge registered #1
Lender: Royal Bank of Scotland PLC
2007-03-14
🏢
Company incorporated
As MACKAY PROPERTIES (DURNESS) LTD
2007-03-14
➕
MACKAY, Fiona Campbell appointed
secretary
2007-03-14
➕
MACKAY, Fiona Campbell appointed
director
2007-03-14
➕
MACKAY, Robert Andrew appointed
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.
+Founder name in company name: Company name contains director surname "MACKAY" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

59/100

Strong succession signal

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

SIGNALS

secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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.)

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mrs Fiona Campbell Mackay Individual · British · DOB 05/1972 · age 54	25–50%	25–50%	25-50% shares · 25-50% voting	01/03/2017

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 · Hospitality · IV postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
MILOVAIG LTD→ SC865862 · est 2025 · no financials extracted	—	—	—	—	—	—	—
MOSS COFFEE SHOP LTD→ SC845058 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
NORTH KESSOCK HOTEL LIMITED→ SC749434 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
PABAY PORTREE SELF CATERING LIMITED→ SC795923 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
PARKWOOD TANDOORI LTD→ SC824037 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
PASHA RESTAURANT (PITLOCHRY) LTD→ SC564978 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
PAULO BAR LIMITED→ SC824301 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
PAULO ENTERPRISE LIMITED→ SC867138 · est 2025 · no financials extracted	—	—	—	—	—	—	—
PEINMORE HOUSE LTD→ SC865461 · est 2025 · no financials extracted	—	—	—	—	—	—	—
PENELO’S LIMITED→ SC814075 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
PERLE HOTELS LIMITED→ SC474803 · est 2014 · no financials extracted	—	—	—	—	12y	—	—
PERLE OBAN LIMITED→ SC539401 · est 2016 · no financials extracted	—	—	—	—	9y	—	—

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

Incorporated2007-03-14

Jurisdictionscotland

Primary SIC55209 — Other holiday and other collective accommodation

Registered office

Mackay's Rooms, Durine

Durness

Sutherland

IV27 4PN

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-03-28

Last: 2026-03-14

Officers (3 active · 0 resigned)

MACKAY, Fiona Campbell→

secretary · appointed 2007-03-14

View their other companies + combined net worth →

Active

MACKAY, Fiona Campbell→

director · ~54y · appointed 2007-03-14

View their other companies + combined net worth →

Active

MACKAY, Robert Andrew→

director · ~57y · appointed 2007-03-14

View their other companies + combined net worth →

Active

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	Lloyds Banking Group Royal Bank of Scotland PLC	Floating charge	1 property	03/08/2010	—

Click column headers to sort. Use filters above to narrow by status and lender.