JAMES CHAPMAN (BUTCHERS) LIMITED

🌳Matureactive
SC036643 · ltd · incorporated 1961-07-11
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 48.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Retail sale of meat and meat products in specialised stores
Sector: Wholesale & retail
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Active trading company with a 66-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (93/100, director aged 66). 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

3 live charges · 2 lenders · oldest 48.4y

50/100
clean up first

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

  • · Oldest live charge is 48.4 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 (79/100)

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
97 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
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
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£0Jan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-01-312024-01-31
Average employees79008200

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
2
filings
  • • 1 persons-with-significant-control
  • • 1 officers
Last 180 days
4
filings
  • • 1 persons-with-significant-control
  • • 1 officers
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-03-25
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  2. 2026-03-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  3. 2026-01-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2026-01-09
    ➖
    CHAPMAN, John Cumming resigned
    director
  5. 2024-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2024-07-19
    📄
    mortgage-satisfy-charge-part
    mortgage · MR04
  7. 2024-01-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-10-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-01-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2018-10-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2017-10-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2016-10-31
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-11-17
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-11-03
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2005-09-23
    🔓
    Charge satisfied #2
  18. 2004-06-30
    🔓
    Charge satisfied #1
  19. 2004-03-29
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  20. 1999-04-23
    ➕
    LAMIE, Aileen Elizabeth appointed
    secretary
  21. 1999-04-23
    ➖
    STRUTHERS, Agnes Kerr resigned
    secretary
  22. 1995-11-06
    ➖
    CHAPMAN, Mary resigned
    director
  23. 1989-11-30
    ➕
    CHAPMAN, James Hamilton appointed
    director
  24. 1985-04-10
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  25. 1977-11-30
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  26. 1961-07-11
    🏢
    Company incorporated
    As JAMES CHAPMAN (BUTCHERS) LIMITED

Owner dependency

100/100
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 "CHAPMAN" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 36 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 66 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 36 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 65 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
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Ms Deirdre Chapman
Individual · British · DOB 08/1960 · age 66
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Jamie Hamilton Chapman
Individual · British · DOB 11/1965 · age 61
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
1 historic (ceased) PSC
  • Mr John Cumming Chapmanceased 09/01/2026· significant influence

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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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
Incorporated1961-07-11
Jurisdictionscotland
Primary SIC47220 — Retail sale of meat and meat products in specialised stores

Registered office

35 Glasgow Road
Wishaw
ML2 7PG

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-11-20
Last: 2025-11-06

Officers (3 active · 3 resigned)

LAMIE, Aileen Elizabeth→
secretary · appointed 1999-04-23
View their other companies + combined net worth →
Active
CHAPMAN, Deirdre→
director · ~66y
View their other companies + combined net worth →
Active
CHAPMAN, James Hamilton→
director · ~61y · appointed 1989-11-30
View their other companies + combined net worth →
Active
STRUTHERS, Agnes Kerr→
secretary · resigned 1999-04-23
Resigned
CHAPMAN, John Cumming→
director · ~94y · resigned 2026-01-09
Resigned
CHAPMAN, Mary→
director · ~91y · resigned 1995-11-06
Resigned

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

Mortgages & charges

3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
part-satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property29/03/2004—
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property10/04/198523/09/2005
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property30/11/197730/06/2004
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (97 total)

cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-25
termination-director-company-with-name-termination-date
officers · TM01
2026-03-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-30
mortgage-satisfy-charge-part
mortgage · MR04
2024-07-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-06