P. & S. HARRISON LIMITED
🌳Matureactive
SC020268 · ltd · incorporated 1938-03-21
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£3.13M
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 83-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (73/100, director aged 83). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
4 live charges · oldest 44.4y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 44.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (78/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
6 officers (5 active, 6 linked, 5 with DOB)
87
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
106 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £3,128,300
Net assets shrinking
Down £67,494 YoY
Cash YoY
-21%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£136k
↓ 21% YoY
Net Worth
£3.1m
↓ 2.1% YoY
Current Assets
£149k
↓ 19% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £3.13M | £3.20M |
| Current assets | £149.0k | £184.4k |
| Cash | £135.9k | £171.7k |
| Debtors | £13.1k | £12.7k |
| Net assets | £3.13M | £3.20M |
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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-07-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-14📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-16📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-03-10➖HARRISON, Richard resigneddirector
- 2020-12-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-04-13🔓Charge satisfied #5
- 2017-08-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-07-26🔓Charge satisfied #2
- 2016-08-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-11-30➕BUTLER, Tracy Jane appointeddirector
- 2015-11-30➕CHINN, Natalie appointeddirector
- 2015-11-30➕HARRISON, Richard appointeddirector
- 2009-08-12🔓Charge satisfied #1
- 2002-11-15🔒Charge registered #5Lender: Clydesdale Bank Public Limited Company
- 1993-10-12🔒Charge registered #4Lender: Clydesdale Bank Public Limited Company
- 1989-06-05🔒Charge registered #2Lender: Clydesdale Bank Public Limited Company
- 1981-12-07🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 1938-03-21🏢Company incorporatedAs P. & S. HARRISON LIMITED
Owner dependency
78/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "HARRISON" — strong identity link between founder and business.
- +Founder age: Director aged approximately 83 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
75/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 83 years old. Natural succession window is now.
- secondaryStable-but-static management: Company is 88 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
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.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Derek Harrison Individual · British · DOB 04/1943 · age 83 | 50–75% | 50–75% | board controlsig. influence50-75% shares · 50-75% voting · board control · significant influence · firm interest | 06/04/2016 |
Mrs Laura Harrison Individual · British · DOB 03/1946 · age 80 | 25–50% | 25–50% | board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence · firm interest | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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
Incorporated1938-03-21
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Caledonia House
89 Seaward Street
Glasgow
G41 1HJ
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-11
Last: 2025-12-28
Officers (5 active · 1 resigned)
Active
BUTLER, Tracy Jane→
Activedirector · ~59y · appointed 2015-11-30
View their other companies + combined net worth →
CHINN, Natalie→
Activedirector · ~53y · appointed 2015-11-30
View their other companies + combined net worth →
Active
Active
HARRISON, Richard→
Resigneddirector · ~57y · appointed 2015-11-30 · resigned 2021-03-10
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
1
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 15/11/2002 | 13/04/2018 | |
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 12/10/1993 | — | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 05/06/1989 | 26/07/2017 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 07/12/1981 | 12/08/2009 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (106 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-10
change-person-director-company-with-change-date
officers · CH01
2025-01-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-07
change-person-director-company-with-change-date
officers · CH01
2024-12-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-29
termination-director-company-with-name-termination-date
officers · TM01
2021-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-10