PEARL AL LIMITED
🌳Matureactive
SC004348 · ltd · incorporated 1899-09-02
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
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
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: SIC 99999
Sector: Extraterritorial bodies
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 72/100 (strong), bankability 72/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
9 live charges · 8 lenders · oldest 30.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 30.9 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)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
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
69 officers (4 active, 69 linked, 61 with DOB)
88
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
19 connected companies via shared directors
90
Filing history
316 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (164 events)Click to expand
- 2026-01-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-01-23➕REUBEN, Victoria Anne appointeddirector
- 2025-11-13📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2025-11-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-07-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-08-23➕DOSANJH, Kulbinder Kaur appointeddirector
- 2024-08-23➖MEANEY, Brid Mary resigneddirector
- 2024-08-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-08-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-15📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-08-18📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-01-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-01-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-12-31➕MEANEY, Brid Mary appointeddirector
- 2022-12-31➖MOSS, Andrew resigneddirector
- 2022-10-07📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-01-19📄statement-of-companys-objectschange-of-constitution · CC04
- 2022-01-19📄memorandum-articlesincorporation · MA
- 2022-01-19📄resolutionresolution · RESOLUTIONS
- 2021-09-22📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-07-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-06-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-06-01➕BUFFHAM, James Bryan appointeddirector
- 2021-06-01➖SHERIFF, Rizwan resigneddirector
- 2020-09-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-09-30➖MOHAMMED, Shamira resigneddirector
- 2017-09-30➕SHERIFF, Rizwan appointeddirector
- 2014-06-02➖MERRICK, Michael John resigneddirector
- 2012-10-01➕MOHAMMED, Shamira appointeddirector
- 2008-12-19➖LUSCOMBE, Kerr resigneddirector
- 2008-12-19➕MOSS, Andrew appointeddirector
- 2008-07-18➕LUSCOMBE, Kerr appointeddirector
- 2008-07-18➖STOCKTON, Robert Paul resigneddirector
- 2008-05-01➖NEWMAN, James Allen resigneddirector
- 2008-01-29➖MAIDENS, Ian Graham resigneddirector
- 2008-01-01➕MERRICK, Michael John appointeddirector
- 2007-12-31➖GREENFIELD, Richard Edward Keith resigneddirector
- 2007-04-30➖CRAINE, Roger resigneddirector
- 2007-03-29➖DAVIDSON, Anthony Beverley resigneddirector
- 2007-03-29➖FERGUSON, Duncan George Robin resigneddirector
- 2007-03-29➕STOCKTON, Robert Paul appointeddirector
- 2006-12-14🔓Charge satisfied #3
- 2006-09-01➕PEARL GROUP SECRETARIAT SERVICES LIMITED appointedcorporate-secretary
- 2006-09-01➖GRIFFIN-SMITH, Philip Bernard resignedsecretary
- 2006-08-30➕NEWMAN, James Allen appointeddirector
- 2006-08-30➖SINGLETON, Graham Lloyd resigneddirector
- 2006-08-23🔓Charge satisfied #12
- 2006-08-02🔓Charge satisfied #11
- 2006-08-02🔓Charge satisfied #10
- 2006-08-02🔓Charge satisfied #5
Showing most recent 50 of 164 events
Owner dependency
50/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Pearl Life Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Pearl Life Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
PEARL AL LIMITED
This company · SC004348
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Pearl Life Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
1 historic (ceased) PSC
- Pearl Fs Limitedceased 06/04/2016· 75-100% shares · 75-100% voting · board control
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 · Other · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| TARTAN GOLF INTERNATIONAL LIMITED→ SC086571 · est 1984 | £965.1k £643.4k–£1.29M | — | — | 19 | 42y | 83 | 66y |
| CONFEDERATION OF FOREST INDUSTRIES (UK) LIMITED→ SC034467 · est 1959 | £786.2k £524.1k–£1.05M | — | — | — | 66y | 82 | 72y |
| ESSENTIAL EDINBURGH→ SC343592 · est 2008 | £82.2k £54.8k–£109.6k | — | — | 700 | 18y | 84 | 68y |
| COGENT SSC LIMITED→ SC129351 · est 1991 · no financials extracted | — | — | — | — | 35y | 83 | 59y |
| NEVIS PROPERTY COMPANY LIMITED→ SC020708 · est 1938 · no financials extracted | — | — | — | — | 87y | 83 | 90y |
| NEWLANDS COMMUNITY DEVELOPMENT TRUST→ SC328243 · est 2007 · no financials extracted | — | — | — | — | 18y | 83 | 68y |
| NORDAN SCANDIC (SCOTLAND) LTD→ SC165768 · est 1996 | — | — | £2 | — | 30y | 83 | 65y |
| OUTDOOR INDUSTRIES ASSOCIATION CIC→ SC366266 · est 2009 · no financials extracted | — | — | — | — | 16y | 83 | 66y |
| SALMON SCOTLAND LTD→ SC152347 · est 1994 | — | — | £188.2k | — | 31y | 83 | 66y |
| SCOTPAC INTERNATIONAL (U.K.) LIMITED→ SC047003 · est 1969 | — | — | — | — | 56y | 83 | 60y |
| SMTA (TRADING PARTNERS) LIMITED→ SC342972 · est 2008 | — | — | — | 0 | 18y | 83 | 76y |
| AW ESTATES LIMITED→ SC259737 · est 2003 · no financials extracted | — | — | — | — | 22y | 82 | 68y |
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
Incorporated1899-09-02
Jurisdictionscotland
Primary SIC99999 — SIC 99999
Registered office
Standard Life House
30 Lothian Road
Edinburgh
EH1 2DH
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-04-23
Last: 2026-04-09
Officers (4 active · 65 resigned)
PEARL GROUP SECRETARIAT SERVICES LIMITED→
Activecorporate-secretary · appointed 2006-09-01
View their other companies + combined net worth →
BUFFHAM, James Bryan→
Activedirector · ~49y · appointed 2021-06-01
View their other companies + combined net worth →
DOSANJH, Kulbinder Kaur→
Activedirector · ~54y · appointed 2024-08-23
View their other companies + combined net worth →
REUBEN, Victoria Anne→
Activedirector · ~48y · appointed 2026-01-23
View their other companies + combined net worth →
GRIFFIN-SMITH, Philip Bernard→
Resignedsecretary · appointed 2006-04-03 · resigned 2006-09-01
JORDAN, Barbara Craig→
Resignedsecretary · appointed 2002-01-28 · resigned 2006-04-03
KELLY, Malcolm James, Mr.→
Resignedsecretary · appointed 2001-09-01 · resigned 2002-01-28
RANKIN, Colin Graham→
Resignedsecretary · appointed 2000-08-15 · resigned 2001-09-01
RAYLAND, Robert Alfred→
Resignedsecretary · resigned 1989-12-11
ROSS, Marie Isobel→
Resignedsecretary · appointed 1999-12-06 · resigned 2000-08-15
WAGNER, Deborah Anne→
Resignedsecretary · appointed 1989-12-11 · resigned 1999-12-06
ARNOLD, Lawrence Kenneth→
Resigneddirector · ~84y · resigned 1991-06-30
AXTEN, Peter Colin→
Resigneddirector · ~85y · resigned 1990-10-31
BAKER, Stephen Paul→
Resigneddirector · ~70y · appointed 2002-10-01 · resigned 2004-02-29
BAYLEY, Trevor John→
Resigneddirector · ~75y · appointed 1991-08-06 · resigned 1999-12-06
BERNSTEIN, Baron Anthony Webber→
Resigneddirector · ~88y · appointed 1994-11-16 · resigned 1999-12-06
BIGGS, Michael Nicholas→
Resigneddirector · ~74y · appointed 2006-04-03 · resigned 2006-07-10
BROWN, Bernard George→
Resigneddirector · ~75y · appointed 2004-02-10 · resigned 2005-12-31
BROWN, Bernard George→
Resigneddirector · ~75y · appointed 2002-04-04 · resigned 2003-02-05
BURDON, Peter Vincent→
Resigneddirector · ~79y · appointed 1991-08-06 · resigned 1996-03-06
Click a director name to see their full track record across all companies.
Mortgages & charges
9
Total charges
0
Outstanding
0
Active lenders
Status:Lender:9 of 9 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Citibank N.A. | Floating charge | 1 property | 31/08/2004 | 23/08/2006 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 21/06/2002 | 02/08/2006 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 21/06/2002 | 02/08/2006 | |
| satisfied | The Edinburgh Woollen Mill The Edinburgh Woollen Mill Limited | Standard security | 1 property | 01/03/1999 | 29/05/2001 | |
| satisfied | Mayor and Burgesses of the London Borough of Islington | Legal charge | 1 property | 30/06/1997 | 14/09/1999 | |
| satisfied | Midland Bank Midland Bank PLC | Legal mortgage | 1 property | 14/02/1997 | 02/08/2006 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 24/07/1996 | 14/12/2006 | |
| satisfied | Allied Irish Banks, P.L.C. as Agent and Trustee for Itself and Another | Floating charge | 1 property | 18/12/1995 | 14/09/1999 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 30/06/1995 | 02/08/2006 |
Recent filings (316 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-15
appoint-person-director-company-with-name-date
officers · AP01
2026-01-26
change-corporate-secretary-company-with-change-date
officers · CH04
2025-11-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-11-11
accounts-with-accounts-type-dormant
accounts · AA
2025-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-22
termination-director-company-with-name-termination-date
officers · TM01
2024-08-23
appoint-person-director-company-with-name-date
officers · AP01
2024-08-23
accounts-with-accounts-type-dormant
accounts · AA
2024-07-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-22
accounts-with-accounts-type-dormant
accounts · AA
2023-08-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-02
appoint-person-director-company-with-name-date
officers · AP01
2023-01-16
termination-director-company-with-name-termination-date
officers · TM01
2023-01-13
accounts-with-accounts-type-dormant
accounts · AA
2022-10-07