CHAPMAN OF INVERNESS LIMITED

🌳Matureactive
SC020899 · ltd · incorporated 1939-03-25
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 63.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Active trading company with a 77-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 77). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 63.9y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 63.9 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (77/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
10 officers (4 active, 10 linked, 7 with DOB)
84
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
113 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
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£0Oct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-10-312023-10-31
Average employees400400

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
0
filings
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2025-07-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-07-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-07-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-08-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  6. 2021-07-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-09-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-06-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-07-31
    ➕
    MAXWELL, Alastair Duncan appointed
    secretary
  10. 2018-07-31
    ➖
    WJM SECRETARIES LIMITED resigned
    corporate-secretary
  11. 2018-07-31
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2018-07-31
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  13. 2018-07-31
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  14. 2018-07-31
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2018-05-30
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2018-05-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2018-05-17
    ➕
    MACARTHUR, Laura Anne appointed
    director
  18. 2018-05-17
    ➖
    MACDONALD, Ian Alexander resigned
    director
  19. 2017-05-08
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  20. 2016-08-18
    ➕
    MACARTHUR, Anne Mackenzie appointed
    director
  21. 2016-06-15
    ➖
    MACARTHUR, Neil Charles resigned
    director
  22. 2016-02-29
    ➖
    MESSRS MACARTHUR & CO SOLICITORS resigned
    corporate-secretary
  23. 2016-02-29
    ➕
    WJM SECRETARIES LIMITED appointed
    corporate-secretary
  24. 2010-04-19
    ➕
    MAXWELL, Alastair Duncan appointed
    director
  25. 2010-04-19
    ➖
    MAXWELL, Marie Catherine resigned
    director
  26. 1994-08-08
    ➕
    MACDONALD, Ian Alexander appointed
    director
  27. 1994-07-14
    ➖
    MACARTHUR, Ian Campbell resigned
    director
  28. 1963-07-04
    🔒
    Charge registered #2
    Lender: Standard Property Investment Company LTD
  29. 1962-06-21
    🔒
    Charge registered #1
    Lender: The North of Scotland Heritable Investment Company LTD
  30. 1939-03-25
    🏢
    Company incorporated
    As CHAPMAN OF INVERNESS LIMITED

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 77 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

83/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 16 years.
  • secondaryStable-but-static management: Company is 87 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

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
Mr Alastair Duncan Maxwell
Individual · British · DOB 01/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting17/10/2017
Mrs Anne Mackenzie Macarthur
Individual · British · DOB 07/1949 · age 77
25–50%
—25-50% shares31/03/2017

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
Incorporated1939-03-25
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Green Acres Westhill
Easter Muckovie
Inverness
IV2 5BN
United Kingdom

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-08-30
Last: 2025-08-16

Officers (4 active · 6 resigned)

MAXWELL, Alastair Duncan→
secretary · appointed 2018-07-31
View their other companies + combined net worth →
Active
MACARTHUR, Anne Mackenzie→
director · ~77y · appointed 2016-08-18
View their other companies + combined net worth →
Active
MACARTHUR, Laura Anne→
director · ~49y · appointed 2018-05-17
View their other companies + combined net worth →
Active
MAXWELL, Alastair Duncan→
director · ~59y · appointed 2010-04-19
View their other companies + combined net worth →
Active
MESSRS MACARTHUR & CO SOLICITORS→
corporate-secretary · resigned 2016-02-29
Resigned
WJM SECRETARIES LIMITED→
corporate-secretary · appointed 2016-02-29 · resigned 2018-07-31
Resigned
MACARTHUR, Ian Campbell→
director · ~108y · resigned 1994-07-14
Resigned
MACARTHUR, Neil Charles→
director · ~78y · resigned 2016-06-15
Resigned
MACDONALD, Ian Alexander→
director · ~78y · appointed 1994-08-08 · resigned 2018-05-17
Resigned
MAXWELL, Marie Catherine→
director · ~103y · resigned 2010-04-19
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Standard Property Investment Company
Standard Property Investment Company LTD
Bond & disposition in security2 properties04/07/1963—
outstanding
The North of Scotland Heritable Investment Company
The North of Scotland Heritable Investment Company LTD
Bond & disposition in security1 property21/06/1962—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (113 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-29
confirmation-statement-with-updates
confirmation-statement · CS01
2021-08-16
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-08-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-06-25