BEAULY PLUMBING COMPANY LIMITED

🌳Matureactive
SC341097 · ltd · incorporated 2008-04-09
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 18.0y 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 material changes in the last 90 days.

Last 180 days

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

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£39.5k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Plumbing, heat and air-conditioning installation
Sector: Construction
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 (73/100).

🏦

Refinance opportunity

1 live charge · oldest 18.0y

65/100
clean up first

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

  • · Oldest live charge is 18.0 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, 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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
44 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 £39,482
Net assets shrinking
Down £8,954 YoY
Cash YoY
-13%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£49k
↓ 13% YoY
Net Worth
£39k
↓ 18% YoY
Current Assets
£78k
↓ 11% YoY
Current Liabilities
—
£0£17k£35k£52k£70k£87kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Total assets£50.2k£73.5k
Current assets£78.1k£87.3k
Cash£49.0k£56.5k
Debtors£28.3k£30.0k
Net assets£39.5k£48.4k

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
0
filings
Last 180 days
4
filings
  • • 2 persons-with-significant-control
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2026-04-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-04-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2026-03-18
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2025-04-28
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2024-04-24
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2024-04-23
    ➕
    MCHARDY, Donna appointed
    director
  7. 2024-04-23
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2024-04-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2023-04-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2022-04-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2021-04-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2020-01-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2019-04-18
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2018-04-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  15. 2017-04-26
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2016-04-22
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2008-08-07
    🔒
    Charge registered #1
    Lender: Bank of Scotland PLC
  18. 2008-04-09
    🏢
    Company incorporated
    As BEAULY PLUMBING COMPANY LIMITED
  19. 2008-04-09
    ➕
    MCHARDY, Michael John appointed
    director

Owner dependency

89/100
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 18 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 18 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

29/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — MCHARDY, Donna (same surname) appointed 2024-04-23. Pattern consistent with intra-family handover.
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 18 years.
  • 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 Michael John Mchardy
Individual · British · DOB 08/1963 · age 63
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mrs Donna Mchardy
Individual · British · DOB 12/1972 · age 54
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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

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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
Incorporated2008-04-09
Jurisdictionscotland
Primary SIC43220 — Plumbing, heat and air-conditioning installation

Registered office

Achorn House
34 Millbank Road
Munlochy
Highland
IV8 8ND

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-04-23
Last: 2026-04-09

Officers (2 active · 0 resigned)

MCHARDY, Donna→
director · ~54y · appointed 2024-04-23
View their other companies + combined net worth →
Active
MCHARDY, Michael John→
director · ~63y · appointed 2008-04-09
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
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC
Bond & floating charge1 property07/08/2008—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (44 total)

change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-21
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-03-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-04-28
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-23
appoint-person-director-company-with-name-date
officers · AP01
2024-04-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-04-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-04-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-04-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-26