STEVENSONS (AYR) LIMITED
- · Oldest live charge 13.8y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 13.8y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 13.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (71/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 |
|---|---|
| Total assets | £261.1k |
| Current assets | £318.8k |
| Cash | £189.8k |
| Debtors | £88.0k |
| Net assets | £253.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
Corporate timeline (20 events)Click to expand
- 2026-02-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-27📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2024-02-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-28📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2019-12-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-10📄legacymiscellaneous · RP04CS01
- 2018-12-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-12📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-07-31📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2017-07-31📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2017-07-31📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2016-11-16📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2012-07-03🔒Charge registered #1Lender: Clydesdale Bank PLC
- 2011-07-28🏢Company incorporatedAs STEVENSONS (AYR) LIMITED
- 2011-07-28➕STEVENSON, Murray appointeddirector
- 2011-07-28➕STEVENSON, Stuart appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +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 "STEVENSON" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 15 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Murray Stevenson Individual · British · DOB 11/1968 · age 58 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mr Stuart Stevenson Individual · British · DOB 08/1964 · age 62 | 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.
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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 →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
Registered office
Filing status
Officers (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 03/07/2012 | — |