MORAY RETREAT LTD

🏛️Establishedactive
SC570213 · ltd · incorporated 2017-07-03
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 8.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

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 8.7y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 8.7 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 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
26 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
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees2100

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2025-11-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-08-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-12-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-08-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-08-03
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2021-08-03
    📄
    capital-allotment-shares
    capital · SH01
  8. 2020-12-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-08-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-03-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2019-03-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2019-03-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2019-03-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2019-03-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2018-07-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2017-10-05
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  17. 2017-09-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2017-08-31
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  19. 2017-07-03
    🏢
    Company incorporated
    As MORAY RETREAT LTD
  20. 2017-07-03
    ➕
    DUNCAN, Andrew appointed
    director
  21. 2017-07-03
    ➕
    DUNCAN, Angela appointed
    director

Owner dependency

79/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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
Mrs Angela Duncan
Individual · British · DOB 11/1967 · age 59
50–75%
—50-75% shares03/07/2017
Mr Andrew Duncan
Individual · British · DOB 09/1979 · age 47
25–50%
—25-50% shares03/07/2017

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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——224y8266y
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————15y8274y
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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.

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
Incorporated2017-07-03
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

20 St Johns Road
Annan
Dumfries & Galloway
DG12 6AW
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-16
Last: 2025-07-02

Officers (2 active · 0 resigned)

DUNCAN, Andrew→
director · ~47y · appointed 2017-07-03
View their other companies + combined net worth →
Active
DUNCAN, Angela→
director · ~59y · appointed 2017-07-03
View their other companies + combined net worth →
Active

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—31/08/2017—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (26 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-21
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-15
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-08-03
capital-allotment-shares
capital · SH01
2021-08-03
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-17
confirmation-statement-with-updates
confirmation-statement · CS01
2020-08-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-08-30