BANCHORY CAR CENTRE LTD.

🌳Matureactive

SC356740 · ltd · incorporated 2009-03-17

Investment thesis

Property vehicle with a workable charge structure — clean refinance potential.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Dependent on title and valuation due diligence; standard property risks.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

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 Mar 2025

Net worth

£526.7k

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Other letting and operating of own or leased real estate

Sector: Real estate

Investor take

Pursue

Asset-holding vehicle with a 71-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 71). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -87% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 17.1y

45/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 17.1 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Cashflow trend is negative — lender view likely cautious.

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

5 officers (3 active, 5 linked, 3 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

6 connected companies via shared directors

Filing history

55 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →

Opportunity Score

82/100Exceptional

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

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £526,736

Net assets shrinking

Down £39,809 YoY

Cash draining

Cash down 87% YoY

Cash YoY

-87%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£4k

↓ 87% YoY

Net Worth

£527k

↓ 7.0% YoY

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Cash	£3.7k	£27.8k
Net assets	£526.7k	£566.5k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 signals 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

filings

Last 90 days

filings

Last 180 days

filings

• 3 officers
• 2 persons-with-significant-control
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (25 events)Click to expand

2026-01-08
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-07
📄
change-person-director-company-with-change-date
officers · CH01
2026-01-07
📄
change-person-secretary-company-with-change-date
officers · CH03
2026-01-07
📄
change-person-director-company-with-change-date
officers · CH01
2026-01-07
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-17
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-17
🔓
Charge satisfied #1
2019-10-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-10-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-09-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2009-04-09
🔒
Charge registered #1
Lender: Royal Bank of Scotland PLC
2009-03-17
🏢
Company incorporated
As BANCHORY CAR CENTRE LTD.
2009-03-17
➕
GRIGOR, Malcolm Stephen appointed
secretary
2009-03-17
➕
GRIGOR, Malcolm Stephen appointed
director
2009-03-17
➕
GRIGOR, Susan appointed
director
2009-03-17
➕
BRIAN REID LTD. appointed
corporate-secretary
2009-03-17
➖
BRIAN REID LTD. resigned
corporate-secretary
2009-03-17
➕
MABBOTT, Stephen George appointed
director
2009-03-17
➖
MABBOTT, Stephen George resigned
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.
+Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 71 — 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 71 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 17 years.
secondaryStable-but-static management: Company is 17 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

Name	Shares	Voting rights	Nature of control	Notified
Mr Malcolm Stephen Grigor Individual · British · DOB 06/1955 · age 71	25–50%	—	25-50% shares	06/04/2016
Mrs Susan Grigor Individual · British · DOB 05/1959 · age 67	25–50%	—	25-50% shares	06/04/2016

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 →

Similar companies

Active · Property · AB postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ROBERT WHITELAW (ABERDEEN) LIMITED→ SC053906 · est 1973	£4.84M £4.11M–£5.56M	—	£4.84M	—	52y	83	76y
OMATRON LIMITED→ SC278277 · est 2005	£1.85M £1.57M–£2.13M	—	£1.85M	—	21y	83	72y
BEN THOW LIMITED→ SC058084 · est 1975	£1.51M £1.29M–£1.74M	—	£1.51M	—	50y	82	69y
JACKAL PROPERTIES LIMITED→ SC228832 · est 2002	£1.29M £1.10M–£1.49M	—	£1.29M	—	24y	83	71y
ST. MALO HOUSE LIMITED→ SC285478 · est 2005	£1.20M £1.02M–£1.38M	—	£1.20M	—	20y	83	80y
F.G. BURNETT LIMITED→ SC202175 · est 1999	£1.01M £861.9k–£1.17M	—	£1.01M	—	26y	83	65y
ABBOTSHALL SERVICES LIMITED→ SC305853 · est 2006	£581.0k £493.8k–£668.1k	—	£581.0k	—	19y	82	68y
BOWDEN BUILDINGS LTD→ SC279331 · est 2005	£492.7k £418.8k–£566.6k	—	£492.7k	—	21y	82	62y
THISTLE STREET PROPERTIES LIMITED→ SC312791 · est 2006	£327.7k £278.5k–£376.8k	—	£327.7k	—	19y	83	61y
ART DECO CARRON RESTAURANT LTD.→ SC218207 · est 2001	£201.4k £171.2k–£231.6k	—	£201.4k	—	25y	82	62y
AMZ PROPERTIES LIMITED→ SC268771 · est 2004	£155.8k £132.5k–£179.2k	—	£155.8k	—	21y	82	79y
A.R.N. ENERGY LIMITED→ SC366947 · est 2009	£136.9k £116.4k–£157.4k	—	£136.9k	—	16y	83	69y

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

Incorporated2009-03-17

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Dessmuir

Charlestown Road

Aboyne

Aberdeenshire

AB34 5EL

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-01-02

Last: 2025-12-19

Officers (3 active · 2 resigned)

GRIGOR, Malcolm Stephen→

secretary · appointed 2009-03-17

View their other companies + combined net worth →

Active

GRIGOR, Malcolm Stephen→

director · ~71y · appointed 2009-03-17

View their other companies + combined net worth →

Active

GRIGOR, Susan→

director · ~67y · appointed 2009-03-17

View their other companies + combined net worth →

Active

BRIAN REID LTD.→

corporate-secretary · appointed 2009-03-17 · resigned 2009-03-17

Resigned

MABBOTT, Stephen George→

director · ~76y · appointed 2009-03-17 · resigned 2009-03-17

Resigned

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
	satisfied	Lloyds Banking Group Royal Bank of Scotland PLC	Floating charge	1 property	09/04/2009	17/09/2020

Recent filings (55 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-01-08

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2026-01-08

change-person-director-company-with-change-date

officers · CH01

2026-01-07

change-person-secretary-company-with-change-date

officers · CH03

2026-01-07

change-person-director-company-with-change-date

officers · CH01

2026-01-07

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2026-01-07

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-12-29

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-12-20

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-09-23

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-01-10

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-12-20

confirmation-statement-with-updates

confirmation-statement · CS01

2022-12-19

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-11-22

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-03-17

accounts-with-accounts-type-total-exemption-full

accounts · AA

2021-12-30