CHAP GROUP LIMITED

📈Growthactive

SC086917 · ltd · incorporated 1984-02-29

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.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

£63.47M

year to Sept 2025

Net worth

—

book net assets

Opportunity

73/100

Strong

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What this business does

Primary activity: Development of building projects

Sector: Construction

Investor take

Pursue

Strong opportunity: leverage-led grower with strong profile and acceptable with review structure.

Opportunity 73/100 (strong), bankability 57/100. Biggest value-creation lever: Consolidate lender relationships. 13 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (77/100).

🏦

Refinance opportunity

28 live charges · 13 lenders · oldest 40.5y

25/100

too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

· Oldest live charge is 40.5 years old — likely at or near maturity.
· 13 lenders named — inter-creditor friction likely.
· Legal-friction score 45/100 (high).

Data confidence

Overall: high (84/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

28 charges (28/28 with lender, 28/28 with type)

Directors & officers

29 officers (6 active, 29 linked, 24 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

14 connected companies via shared directors

Filing history

197 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

73/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Profitable

Profit before tax £569,000

Turnover YoY

+11%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-09-30	2024-09-30
Turnover	£63.47M	£57.26M
Gross profit	£8.06M	£6.22M
Operating profit	£675.0k	£403.0k
Profit before tax	£569.0k	£297.0k
Average employees	17100	16100

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

4 signals 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

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (106 events)Click to expand

2026-02-24
📄
accounts-with-accounts-type-full
accounts · AA
2025-10-17
✏️
certificate-change-of-name-company
change-of-name · CERTNM
2025-10-16
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-19
📄
accounts-with-accounts-type-full
accounts · AA
2024-02-23
📄
accounts-with-accounts-type-full
accounts · AA
2023-02-07
📄
accounts-with-accounts-type-full
accounts · AA
2023-02-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-02-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-01-09
➕
STOTT, Richard appointed
director
2022-11-18
➖
LIDDELL, Ronald Seton resigned
director
2022-06-30
📄
accounts-with-accounts-type-full
accounts · AA
2022-05-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-02-14
➕
MCNAIR, Andrew Hayward appointed
director
2021-10-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-08-23
➕
TAYLOR, Fraser James appointed
director
2021-06-28
📄
accounts-with-accounts-type-full
accounts · AA
2021-06-03
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2021-05-27
➖
MCHARDY, Murray resigned
secretary
2021-04-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-10-30
➖
MATHERS, Charles Douglas resigned
director
2020-10-01
📄
accounts-with-accounts-type-full
accounts · AA
2020-07-22
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-12-20
➖
KIRK, Vincent resigned
director
2019-11-25
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-11-25
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-11-19
➖
DOIG, Iain Macrae resigned
director
2019-11-01
➖
THOMSON, Douglas Neil resigned
director
2019-09-16
🔒
Charge registered #28
Lender: Santander UK PLC
2019-09-13
🔒
Charge registered #27
Lender: Thomas Byrne
2019-08-16
🔒
Charge registered #26
Lender: Thomas Byrne
2019-08-15
🔒
Charge registered #25
Lender: Santander UK PLC
2019-05-09
🔒
Charge registered #24
Lender: Santander UK PLC as Security Trustee for Itself and Each Santander Group Member (As Defined in the Instrument Evidencing the Charge Accompanying This Form MR01)
2019-01-07
➕
LIDDELL, Ronald Seton appointed
director
2019-01-06
➖
YOUNG, James Smith resigned
director
2018-11-08
🔒
Charge registered #23
Lender: Santander UK PLC as Security Trustee for Itself and Each Santader Group Member (As Defined in the Instrument Evidencing the Charge Accompanying This Form MR01)
2018-08-13
🔒
Charge registered #22
Lender: Santander UK PLC as Security Trustee for Itself and Each Santander Group Member (As Defined in the Instrument Evidencing the Charge Accompanying This Form MR01)
2018-05-07
🔒
Charge registered #21
Lender: Santander UK PLC as Security Trustee for Itself and Each Santander Group Member (As Defined in the Instrument Evidencing the Charge Accompanying This Form MR01)
2017-04-13
🔒
Charge registered #20
Lender: Santander UK PLC
2016-01-04
➕
GEE, Shona Louise appointed
director
2015-11-20
➖
CLOW, Allan James resigned
director
2015-11-02
➖
FISHER, Derek resigned
director
2015-08-20
🔒
Charge registered #19
Lender: Santander UK PLC as Security Trustee for Itself and Each Santander Group Member (As Defined in the Evidence to the Charge)
2015-03-25
🔒
Charge registered #18
Lender: Santander UK PLC as Security Trustee for Itself and Each Santander Group Member
2014-10-02
🔒
Charge registered #17
Lender: Santander UK PLC (As Security Trustee for Each Santander Group Member)
2014-10-02
🔒
Charge registered #16
Lender: Santander UK PLC (As Security Trustee for Each Santander Group Member)
2014-09-30
🔓
Charge satisfied #14
2014-09-30
🔓
Charge satisfied #13
2014-09-30
🔓
Charge satisfied #12
2014-09-30
🔓
Charge satisfied #1
2014-09-29
🔒
Charge registered #15
Lender: Santander UK PLC (As Security Trustee for Each Santander Group Member)

Showing most recent 50 of 106 events

Owner dependency

58/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

70/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 42 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

2 med · 1 low

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.

Name changed recently

medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2025-10-17: certificate-change-of-name-company

14 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

Chap (Holdings) Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Chap (Holdings) Ltd

Corporate parent · holds 75-100% shares

ultimate parent

⬇

CHAP GROUP LIMITED

This company · SC086917

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
Chap (Holdings) Ltd Corporate entity	75–100%	—	75-100% shares	06/04/2016

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 →

Similar companies

Active · Construction · AB postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
SEIVWRIGHT BROTHERS LIMITED→ SC234623 · est 2002	£8.04M £5.74M–£10.33M	—	—	73	23y	87	76y
HUTCHEON SERVICES LIMITED→ SC071884 · est 1980	£3.47M £2.48M–£4.46M	—	—	17200	45y	84	61y
THISTLE WINDOWS & CONSERVATORIES LIMITED→ SC159622 · est 1995	£1.28M £917.3k–£1.65M	—	—	119	30y	84	65y
SKENE ENTERPRISES (ABERDEEN) LIMITED→ SC072886 · est 1980	£910.0k £650.0k–£1.17M	—	—	105	45y	83	87y
AJC CONSTRUCTION SCOTLAND LIMITED→ SC216542 · est 2001	—	—	—	2700	25y	83	60y
AM CAMPBELL (UK) LTD.→ SC212573 · est 2000	—	—	£72.9k	—	25y	83	63y
LADYSBRIDGE VILLAGE LIMITED→ SC262049 · est 2004	—	—	—	0	22y	83	75y
SPARK'S MECHANICAL SERVICES LIMITED→ SC102458 · est 1986	—	—	£3.06M	—	39y	83	59y
T & M SLATING LTD.→ SC251627 · est 2003	—	—	—	9	22y	83	59y
WHITEHILLS DEVELOPMENT CO. LTD.→ SC216307 · est 2001	—	—	£49.1k	—	25y	83	75y
A & B BUCHAN LIMITED→ SC375607 · est 2010	—	—	£945.4k	—	16y	82	62y
A G FLEMING CONSTRUCTION LIMITED→ SC339764 · est 2008	—	—	—	400	18y	82	59y

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

Incorporated1984-02-29

Jurisdictionscotland

Primary SIC41100 — Development of building projects

Registered office

Pavilion 2 Prospect Road

Arnhall Business Park

Westhill

Aberdeenshire

AB32 6FE

Scotland

Filing status

Accounts

Next due: 2027-06-30

Last made up to: 2025-09-30

Confirmation statement

Next due: 2026-10-15

Last: 2025-10-01