P.S.RIDGWAY LIMITED
- · Thesis: well-run, low negotiation leverage
Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (60/100, director aged 59). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
10 live charges · 6 lenders · oldest 48.7y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 48.7 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: medium (61/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 2 accounts
- • 2 other
- • 2 accounts
- • 2 other
- • 1 confirmation-statement
- • 2 accounts
- • 2 other
- • 1 confirmation-statement
Corporate timeline (72 events)Click to expand
- 2026-04-27📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2026-04-20📄legacyother · AGREEMENT2
- 2026-04-15📄legacyaccounts · PARENT_ACC
- 2026-04-15📄legacyother · GUARANTEE2
- 2025-04-09📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-04-09📄legacyaccounts · PARENT_ACC
- 2025-04-09📄legacyother · GUARANTEE2
- 2025-04-09📄legacyother · AGREEMENT2
- 2024-04-19📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-04-19📄legacyaccounts · PARENT_ACC
- 2024-04-12📄legacyother · AGREEMENT2
- 2024-04-05📄legacyother · GUARANTEE2
- 2024-04-05📄legacyother · GUARANTEE2
- 2023-04-24📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-04-24📄legacyaccounts · PARENT_ACC
- 2023-04-24📄legacyother · AGREEMENT2
- 2023-04-24📄legacyother · GUARANTEE2
- 2023-04-06📄legacyaccounts · PARENT_ACC
- 2023-04-06📄legacyother · AGREEMENT2
- 2022-04-04📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2022-04-04📄legacyaccounts · PARENT_ACC
- 2021-06-01➕HUSKIE, Kevin John appointeddirector
- 2020-07-03🔓Charge satisfied #11
- 2020-07-03🔓Charge satisfied #1
- 2020-06-25🔒Charge registered #12Lender: Bibby Financial Services Limited as Security Trustee
- 2019-02-01🔓Charge satisfied #8
- 2019-01-31➕JAMIESON, Allan Edward appointeddirector
- 2019-01-31➕TURNER, Stephen George appointeddirector
- 2019-01-31➕RAFFERTY, Angelina appointedsecretary
- 2019-01-31➖RAFFERTY, Angelina resignedsecretary
- 2019-01-31➕RAFFERTY, James William appointeddirector
- 2019-01-31➖RAFFERTY, James William resigneddirector
- 2019-01-31➕RAFFERTY, James Gerard appointeddirector
- 2019-01-31➖RAFFERTY, James Gerard resigneddirector
- 2019-01-31➖RIDGWAY, Donald Thomas resigneddirector
- 2019-01-31➖RIDGWAY, Mark Edward resigneddirector
- 2019-01-31➖RIDGWAY, Maureen resigneddirector
- 2019-01-31➖SMITH, Neil Forbes resigneddirector
- 2019-01-31🔓Charge satisfied #9
- 2019-01-18➖HUGHES, Kim resignedsecretary
- 2018-09-26➕HUGHES, Kim appointedsecretary
- 2018-09-26➖LORNIE, John Derek resignedsecretary
- 2018-09-26➖LORNIE, John Derek resigneddirector
- 2017-08-23🔓Charge satisfied #10
- 2017-03-31➕SMITH, Neil Forbes appointeddirector
- 2016-11-30🔒Charge registered #11Lender: Lloyds Bank Commercial Finance Limited
- 2016-10-04🔒Charge registered #10Lender: Bank of Scotland PLC
- 2013-10-31➖STEWART, Angus Lamont resigneddirector
- 2013-01-16➖MACPHERSON, David Laing resigneddirector
- 2012-04-06➕RIDGWAY, Maureen appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondaryStable-but-static management: Company is 50 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Currie International Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Currie International Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 31/01/2019 |
1 historic (ceased) PSC
- Strathmuir Holdings Limitedceased 31/01/2019· 75-100% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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
Registered office
Filing status
Officers (3 active · 17 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Bibby Financial Services Bibby Financial Services Limited as Security Trustee | A registered charge | 1 property | 25/06/2020 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank Commercial Finance Limited | A registered charge | — | 30/11/2016 | 03/07/2020 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 04/10/2016 | 23/08/2017 | |
| satisfied | Aldermore Aldermore Invoice Finance | Floating charge | 1 property | 12/03/2012 | 31/01/2019 | |
| satisfied | P S Ridgway Group P S Ridgway Group Limited | Floating charge | 1 property | 05/01/2006 | 01/02/2019 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 24/07/1992 | 30/12/2002 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 24/02/1989 | 30/12/2002 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 12/05/1987 | 30/12/2002 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 18/10/1984 | 21/07/1986 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 31/08/1977 | 03/07/2020 |