ROSS FUNERALS LTD
🌳Matureactive
SC414449 · ltd · incorporated 2012-01-13
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 12.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Funeral and related activities
Sector: Other service activities
Investor take
PursueActive trading company with a 87-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 87). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 12.5y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 12.5 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (58/100)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
No iXBRL financials extracted
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 4 with DOB)
90
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
42 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
4
filings
- • 2 officers
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-01-29📄accounts-amended-with-made-up-dateaccounts · AAMD
- 2026-01-23📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-23📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-08📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-07-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-12➖ROSS, Thomas Alexander resigneddirector
- 2024-08-06📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-01-08📄change-person-director-company-with-change-dateofficers · CH01
- 2023-09-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-07-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-07-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-07-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-07-07🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2023-07-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-01🔓Charge satisfied #1
- 2022-10-11📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-10-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-01-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-08-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2013-11-18🔒Charge registered #2Lender: Bank of Scotland PLC
- 2013-11-07🔒Charge registered #1Lender: Bank of Scotland PLC
- 2012-01-13🏢Company incorporatedAs ROSS FUNERALS LTD
- 2012-01-13➕ROSS, Callum Alexander appointeddirector
- 2012-01-13➕ROSS, Iris appointeddirector
- 2012-01-13➕SMART, Pearl Anne appointeddirector
- 2012-01-13➕ROSS, Thomas Alexander appointeddirector
Owner dependency
88/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Founder name in company name: Company name contains director surname "ROSS" — strong identity link between founder and business.
- +Founder age: Director aged approximately 87 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
73/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 87 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo 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 Thomas Alexander Ross Individual · British · DOB 10/1938 · age 88 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Iris Ross Individual · British · DOB 05/1939 · age 87 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 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
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|---|---|---|---|---|---|---|---|
| SAY LESS TRAIN MORE LTD→ SC797176 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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| SEAFAST MARITIME LTD→ SC504666 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| SIKA COUNTRY SERVICES LTD→ SC788851 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| SIMPLY BLISS BEAUTY LIMITED→ SC468666 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| SITEWORKS LTD.→ SC174674 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| SPEYFIELD LIMITED→ SC222384 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| SPEYSIDE LANDSCAPING LTD→ SC868568 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SUNNYSIDE TANNING STUDIO LIMITED→ SC825838 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| SYNAPSO AESTHETICS LTD→ SC788458 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| TAES TECHNICAL LTD→ SC760036 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| TALA. STUDIO LTD→ SC851180 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2012-01-13
Jurisdictionscotland
Primary SIC96030 — Funeral and related activities
Registered office
28 High Street
Nairn
Highland
IV12 4AU
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-01-22
Last: 2026-01-08
Officers (3 active · 1 resigned)
ROSS, Callum Alexander→
Activedirector · ~36y · appointed 2012-01-13
View their other companies + combined net worth →
Active
SMART, Pearl Anne→
Activedirector · ~66y · appointed 2012-01-13
View their other companies + combined net worth →
ROSS, Thomas Alexander→
Resigneddirector · ~88y · appointed 2012-01-13 · resigned 2025-07-12
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 07/07/2023 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 18/11/2013 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 07/11/2013 | 01/07/2023 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (42 total)
accounts-amended-with-made-up-date
accounts · AAMD
2026-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-23
change-person-director-company-with-change-date
officers · CH01
2026-01-23
change-person-director-company-with-change-date
officers · CH01
2026-01-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-09-08
termination-director-company-with-name-termination-date
officers · TM01
2025-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-08
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-08-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-08
change-person-director-company-with-change-date
officers · CH01
2024-01-08
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-09-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-07-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-07-10
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-01