SUSAN RUTHERFORD LIMITED

🌳Matureactive
SC416112 · ltd · incorporated 2012-02-03
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
—
not disclosed
Net worth
—
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Retail sale of clothing in specialised stores
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 77/100 (strong), bankability 75/100. 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 (65/100).

Data confidence

Overall: low (54/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
34 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
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
82
Few red flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2025-07-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-07-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2024-10-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-05-17
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2024-04-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2024-03-31
    ➕
    RUTHERFORD, James Neil appointed
    director
  7. 2023-08-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-07-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-05-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2020-08-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2019-09-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2018-05-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2017-05-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2016-10-14
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-03-28
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  16. 2016-02-09
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2012-02-03
    🏢
    Company incorporated
    As SUSAN RUTHERFORD LIMITED
  18. 2012-02-03
    ➕
    RUTHERFORD, James Neil appointed
    secretary
  19. 2012-02-03
    ➕
    RUTHERFORD, Susan Margaret 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.
  • +Founder name in company name: Company name contains director surname "RUTHERFORD" — strong identity link between founder and business.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

69/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • 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 14 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Susan Margaret Rutherford
Individual · British · DOB 01/1963 · age 63
25–50%
—25-50% shares06/04/2016
Mr James Neil Rutherford
Individual · British · DOB 01/1964 · age 62
25–50%
—25-50% shares06/04/2016

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

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——£306.2k—23y8267y
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———————
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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.

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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.

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Company details

Statusactive
Typeltd
Incorporated2012-02-03
Jurisdictionscotland
Primary SIC47710 — Retail sale of clothing in specialised stores

Registered office

4 Upper Allan Street
Blairgowrie
PH10 6BA
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-17
Last: 2026-02-03

Officers (3 active · 0 resigned)

RUTHERFORD, James Neil→
secretary · appointed 2012-02-03
View their other companies + combined net worth →
Active
RUTHERFORD, James Neil→
director · ~62y · appointed 2024-03-31
View their other companies + combined net worth →
Active
RUTHERFORD, Susan Margaret→
director · ~63y · appointed 2012-02-03
View their other companies + combined net worth →
Active

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

Recent filings (34 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-15
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-05-17
appoint-person-director-company-with-name-date
officers · AP01
2024-04-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-15
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-17
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-12
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-06
accounts-with-accounts-type-micro-entity
accounts · AA
2020-08-14