A. & E. CERESA LIMITED

🌳Matureactive

SC053605 · ltd · incorporated 1973-07-17

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 41.0y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Sept 2024

Net worth

£2.14M

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Other letting and operating of own or leased real estate

Sector: Real estate

Investor take

Pursue

Property-backed borrower with a 93-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 93). 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

1 live charge · oldest 41.0y

65/100

clean up first

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

· Oldest live charge is 41.0 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 25/100 — workable, but lender will want more DD.

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

8 officers (6 active, 8 linked, 6 with DOB)

Ownership & PSC

3 active PSC(s) of 3 total, 3 with control declared

Director network

Network not yet resolved

Filing history

130 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒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

82/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £2,143,608

Cash YoY

+33%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£222k

↑ 33% YoY

Net Worth

£2.1m

~ YoY

Current Assets

£354k

↑ 15% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2024-09-30	2023-09-30
Total assets	£2.19M	£2.17M
Current assets	£353.8k	£306.9k
Cash	£221.5k	£166.8k
Debtors	£132.2k	£140.1k
Net assets	£2.14M	£2.13M

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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (28 events)Click to expand

2025-08-21
📄
change-person-director-company-with-change-date
officers · CH01
2025-08-19
📄
change-person-secretary-company-with-change-date
officers · CH03
2025-08-19
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-19
📄
change-person-director-company-with-change-date
officers · CH01
2025-08-19
📄
change-person-director-company-with-change-date
officers · CH01
2025-08-19
📄
change-person-director-company-with-change-date
officers · CH01
2025-08-19
📄
change-person-director-company-with-change-date
officers · CH01
2025-08-19
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-06
📄
resolution
resolution · RESOLUTIONS
2023-11-06
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-11-06
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-11-06
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-06-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-18
📄
capital-allotment-shares
capital · SH01
2022-10-18
📄
capital-name-of-class-of-shares
capital · SH08
2022-10-12
📄
resolution
resolution · RESOLUTIONS
2022-10-12
📄
memorandum-articles
incorporation · MA
2022-09-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-26
➖
NEE CERESA, Giovanna Caterina Teresa resigned
director
2004-07-02
➕
CERESA, Simon Mark, Doctor appointed
director
2001-03-16
➕
CERESA, Claudia Carla, Dr appointed
director
2001-03-16
➕
CERESA, Emma Stephanie appointed
director
1989-09-01
➕
CERESA, Moira Eleanor appointed
director
1989-08-28
➖
CERESA, Anthony Dominic resigned
director
1985-04-15
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
1973-07-17
🏢
Company incorporated
As A. & E. CERESA LIMITED

Owner dependency

88/100

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

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder name in company name: Company name contains director surname "CERESA" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 37 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 93 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100

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 93 years old. Natural succession window is now.
primary20+ year tenure: Director in role 37 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 53 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

3 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Gary James Clark Individual · British · DOB 12/1972 · age 54	—	25–50%	25-50% voting · trust interest	31/10/2023
Mrs Moira Eleanor Ceresa Individual · British · DOB 02/1949 · age 77	—	25–50%	25-50% voting · trust interest	31/10/2023
Mr Edoardo Giulio Ceresa Individual · British · DOB 12/1949 · age 77	—	25–50%	25-50% voting · trust interest	01/01/2017

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.

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Company details

Statusactive

Typeltd

Incorporated1973-07-17

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

12 Cardowan Drive Stepps

Glasgow

G33 6HD

United Kingdom

Filing status

Accounts

Next due: 2026-06-30

Last made up to: 2024-09-30

Confirmation statement

Next due: 2026-09-02

Last: 2025-08-19