DICKENS CAPITAL COMPANY LTD
🌳Matureactive
SC093092 · ltd · incorporated 1985-04-30
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 40.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueActive trading company with a 68-year-old founder — textbook succession opportunity.
Opportunity 73/100 (strong), bankability 85/100. Strong seller-intent signal (73/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
5 live charges · 2 lenders · oldest 40.9y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 40.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
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
75
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 5 with DOB)
87
Ownership & PSC
2 active PSC(s) of 3 total, 3 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
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
61
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 100 | 100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
- 2025-10-13✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-31📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-07-31📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-07-31📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-06-24📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-06-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-05-25➖KONG THOO LIN, George Pin Chew resignedsecretary
- 2025-05-25➖KONG THOO LIN, George Pin Chew resigneddirector
- 2024-10-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-01-20🔓Charge satisfied #3
- 2021-11-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-10-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-10-08➕KONG, Derrick George Chin-Fa appointeddirector
- 2021-10-08➕KONG, Joelle Mary Newk-Fong appointeddirector
- 2020-12-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-04📄change-person-director-company-with-change-dateofficers · CH01
- 2019-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-02-26🔓Charge satisfied #5
- 2019-02-25🔓Charge satisfied #2
- 1999-04-16🔓Charge satisfied #6
- 1997-10-27🔒Charge registered #6Lender: The Governor and Company of the Bank of Scotland
- 1996-03-01➖KONG THOO LIN, Paul Vee Siew resigneddirector
- 1995-05-01➕KONG THOO LIN, Paul Vee Siew appointeddirector
- 1991-08-05🔒Charge registered #5Lender: The Governor and Company of the Bank of Scotland
- 1989-10-19🔓Charge satisfied #1
- 1988-12-15🔒Charge registered #3Lender: The Governor and Company of the Bank of Scotland
- 1988-09-01🔒Charge registered #2Lender: The Governor and Company of the Bank of Scotland
- 1985-05-24🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1985-04-30🏢Company incorporatedAs DICKENS CAPITAL COMPANY LTD
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 68 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- secondaryStable-but-static management: Company is 41 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
3 med ·2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: KONG THOO LIN, George Pin Chew resigned 2025-05-25; KONG THOO LIN, George Pin Chew resigned 2025-05-25
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Name changed recently
mediumName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-10-13: certificate-change-of-name-company
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Joelle Mary Newk-Fong Kong Individual · British · DOB 01/1987 · age 39 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 08/04/2021 |
Mr Derrick George Chin-Fa Kong Individual · British · DOB 12/1983 · age 43 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 08/04/2021 |
1 historic (ceased) PSC
- Mr George Pin Chew Kong Thoo Linceased 05/04/2023· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
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|---|---|---|---|---|---|---|---|
| AB PROPERTIES LTD→ SC846455 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AB&MB PROPERTIES LTD→ SC841515 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| C & P PROPERTY LETS LTD→ SC835663 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CCL REAL ESTATE LIMITED→ SC777122 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| COILTIE LETTINGS LTD→ SC883365 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CULLODEN BUILDERS LIMITED→ SC080236 · est 1982 · no financials extracted | — | — | — | — | 43y | — | — |
| DAWN HOMES (RESIDENTIAL) LIMITED→ SC545431 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| DELLICUTS LIMITED→ SC408554 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| DOWNIE PROPERTIES LIMITED→ SC136377 · est 1992 · no financials extracted | — | — | — | — | 34y | — | — |
| DRUMSMITTAL PROPERTIES LIMITED→ SC145579 · est 1993 · no financials extracted | — | — | — | — | 32y | — | — |
| DUDDINGSTON HOUSE PROPERTIES LIMITED→ SC164841 · est 1996 · no financials extracted | — | — | — | — | 30y | — | — |
| DUNDONNELL ESTATES LTD.→ SC184418 · est 1998 · no financials extracted | — | — | — | — | 28y | — | — |
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
Incorporated1985-04-30
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Forbes House
36 Huntly Street
Inverness
IV3 5PR
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-01
Last: 2025-06-17
Officers (3 active · 3 resigned)
KONG, Derrick George Chin-Fa→
Activedirector · ~43y · appointed 2021-10-08
View their other companies + combined net worth →
KONG, Joelle Mary Newk-Fong→
Activedirector · ~39y · appointed 2021-10-08
View their other companies + combined net worth →
Active
KONG THOO LIN, George Pin Chew→
Resignedsecretary · resigned 2025-05-25
KONG THOO LIN, George Pin Chew→
Resigneddirector · ~73y · resigned 2025-05-25
KONG THOO LIN, Paul Vee Siew→
Resigneddirector · ~67y · appointed 1995-05-01 · resigned 1996-03-01
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 27/10/1997 | 16/04/1999 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 05/08/1991 | 26/02/2019 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 15/12/1988 | 20/01/2022 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 01/09/1988 | 25/02/2019 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 24/05/1985 | 19/10/1989 |
Recent filings (113 total)
certificate-change-of-name-company
change-of-name · CERTNM
2025-10-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-23
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-04
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-07-31
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-07-31
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-07-31
termination-secretary-company-with-name-termination-date
officers · TM02
2025-06-24
termination-director-company-with-name-termination-date
officers · TM01
2025-06-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-24
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-07
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-25
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-29
mortgage-satisfy-charge-full
mortgage · MR04
2022-01-20