S & D MCHARDY LIMITED

🌳Matureactive
SC347565 · ltd · incorporated 2008-08-26
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
—
Upgrade to see
Turnover
—
year to Aug 2024
Net worth
£499.7k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: SIC 45200
Sector: Wholesale & retail
Investor take
Pursue
Asset-holding vehicle with a 78-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 78). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

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
Confirmed no charges registered
85
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
55 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £499,707
Net assets shrinking
Down £62,891 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£500k
↓ 11% YoY
Current Assets
£124k
↓ 58% YoY
Current Liabilities
—
£0£113k£225k£338k£450k£563kAug 2023Aug 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2024-08-312023-08-31
Total assets£499.9k£562.8k
Current assets£124.0k£296.9k
Net assets£499.7k£562.6k

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
0
filings
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-05-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-10-02
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2023-09-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2023-05-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-10-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2022-10-19
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2022-05-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-08-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-05-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2021-05-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2020-07-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-08-27
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2019-05-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-04-01
    ➖
    CHEYNE, Brian George resigned
    director
  16. 2019-04-01
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  17. 2019-04-01
    📄
    resolution
    resolution · RESOLUTIONS
  18. 2018-05-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2016-04-06
    ➕
    CHEYNE, Brian George appointed
    director
  20. 2008-08-26
    🏢
    Company incorporated
    As S & D MCHARDY LIMITED
  21. 2008-08-26
    ➕
    MCHARDY, Scott Donald appointed
    secretary
  22. 2008-08-26
    ➕
    MCHARDY, Donald Fraser appointed
    director
  23. 2008-08-26
    ➕
    MCHARDY, Scott Donald appointed
    director
  24. 2008-08-26
    ➕
    BRIAN REID LTD. appointed
    corporate-secretary
  25. 2008-08-26
    ➖
    BRIAN REID LTD. resigned
    corporate-secretary
  26. 2008-08-26
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-director
  27. 2008-08-26
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-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 "MCHARDY" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 78 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

89/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 18 years.
  • secondaryStable-but-static management: Company is 18 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Donald Fraser Mchardy
Individual · British · DOB 11/1948 · age 78
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
Mr Scott Donald Mchardy
Individual · British · DOB 04/1975 · age 51
25–50%
25–50%board control25-50% shares · 25-50% 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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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
Incorporated2008-08-26
Jurisdictionscotland
Primary SIC45200 — SIC 45200

Registered office

Dinnet Garage North Deeside Road
Dinnet
Aboyne
AB34 5JY
Scotland

Filing status

Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-08-30
Last: 2025-08-16

Officers (3 active · 3 resigned)

MCHARDY, Scott Donald→
secretary · appointed 2008-08-26
View their other companies + combined net worth →
Active
MCHARDY, Donald Fraser→
director · ~78y · appointed 2008-08-26
View their other companies + combined net worth →
Active
MCHARDY, Scott Donald→
director · ~51y · appointed 2008-08-26
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-secretary · appointed 2008-08-26 · resigned 2008-08-26
Resigned
CHEYNE, Brian George→
director · ~58y · appointed 2016-04-06 · resigned 2019-04-01
Resigned
STEPHEN MABBOTT LTD.→
corporate-director · appointed 2008-08-26 · resigned 2008-08-26
Resigned

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

Recent filings (55 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-17
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-11
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-31
change-person-director-company-with-change-date
officers · CH01
2023-10-02
change-person-director-company-with-change-date
officers · CH01
2023-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-10-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-10-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-05-21