RETTIE & COMPANY LIMITED

📈Growthactive
SC144330 · ltd · incorporated 1993-05-11
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 26.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Real estate agencies
Sector: Real estate
Investor take
Pursue
Property-backed borrower with a 66-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 70/100. Strong seller-intent signal (63/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 4 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (78/100).

🏦

Refinance opportunity

4 live charges · oldest 26.1y

75/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 26.1 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.
  • · Profitable and stable/growing — lender coverage supportable.

Data confidence

Overall: high (83/100)

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
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
11 officers (4 active, 11 linked, 8 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
13 connected companies via shared directors
84
Filing history
112 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Profitable
Profit before tax £1,698,728

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Profit before tax£1.70M£1.16M
Average employees17914000

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

🔒Filing-note intelligence

2 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
1
filing
  • • 1 confirmation-statement
Last 90 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
  1. 2026-03-10
    📄
    accounts-with-accounts-type-group
    accounts · AA
  2. 2025-06-06
    📄
    resolution
    resolution · RESOLUTIONS
  3. 2025-03-12
    📄
    accounts-with-accounts-type-group
    accounts · AA
  4. 2024-05-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2024-04-30
    ➖
    HALL, Chris resigned
    director
  6. 2024-01-30
    📄
    accounts-with-accounts-type-group
    accounts · AA
  7. 2023-01-30
    📄
    accounts-with-accounts-type-group
    accounts · AA
  8. 2022-02-25
    📄
    accounts-with-accounts-type-group
    accounts · AA
  9. 2021-04-21
    📄
    accounts-with-accounts-type-group
    accounts · AA
  10. 2020-01-29
    📄
    accounts-with-accounts-type-group
    accounts · AA
  11. 2019-05-07
    📄
    resolution
    resolution · RESOLUTIONS
  12. 2019-01-16
    📄
    accounts-with-accounts-type-group
    accounts · AA
  13. 2018-01-29
    📄
    accounts-with-accounts-type-group
    accounts · AA
  14. 2017-02-07
    📄
    accounts-with-accounts-type-group
    accounts · AA
  15. 2016-06-07
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2016-02-04
    📄
    accounts-with-accounts-type-group
    accounts · AA
  17. 2013-08-28
    ➖
    RETTIE, James Philip resigned
    director
  18. 2013-05-03
    ➖
    PERRIAM, Anthony Hugh resigned
    director
  19. 2010-05-03
    ➕
    GIBSON, David appointed
    secretary
  20. 2010-05-03
    ➖
    KERSHAW, Rebecca resigned
    secretary
  21. 2007-06-01
    🔒
    Charge registered #4
    Lender: The Governor and Company of the Bank of Scotland
  22. 2006-10-27
    ➖
    LENG, Malcolm resigned
    director
  23. 2006-06-01
    ➕
    KERSHAW, Rebecca appointed
    secretary
  24. 2006-06-01
    ➖
    RETTIE, Susan Margaret resigned
    secretary
  25. 2005-07-22
    ➕
    HALL, Chris appointed
    director
  26. 2004-01-07
    ➖
    MACKENZIE SMITH, Francis Piers Diarmid resigned
    director
  27. 2002-07-31
    🔒
    Charge registered #3
    Lender: The Governor and Company of the Bank of Scotland
  28. 2002-07-24
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  29. 2002-07-22
    ➕
    BENSON, Matthew James appointed
    director
  30. 2001-05-01
    ➕
    MACKENZIE SMITH, Francis Piers Diarmid appointed
    director
  31. 2000-04-06
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  32. 1997-10-07
    ➕
    RETTIE, Susan Margaret appointed
    director
  33. 1997-10-07
    ➕
    LENG, Malcolm appointed
    director
  34. 1997-10-07
    ➕
    PERRIAM, Anthony Hugh appointed
    director
  35. 1993-05-11
    🏢
    Company incorporated
    As RETTIE & COMPANY LIMITED
  36. 1993-05-11
    ➕
    RETTIE, Simon James appointed
    director
  37. 1993-05-11
    ➕
    RETTIE, Susan Margaret appointed
    secretary
  38. 1993-05-11
    ➕
    RETTIE, James Philip appointed
    director

Owner dependency

98/100
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
  • +Founder name in company name: Company name contains director surname "RETTIE" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 33 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

80/100
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.
  • primary20+ year tenure: Director in role 33 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 33 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Simon James Rettie
Individual · British · DOB 10/1962 · age 64
25–50%
—25-50% shares30/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated1993-05-11
Jurisdictionscotland
Primary SIC68310 — Real estate agencies

Registered office

Deuchrie
Dunbar
East Lothian
EH42 1TG

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-05-25
Last: 2026-05-11

Officers (4 active · 7 resigned)

GIBSON, David→
secretary · appointed 2010-05-03
View their other companies + combined net worth →
Active
BENSON, Matthew James→
director · ~60y · appointed 2002-07-22
View their other companies + combined net worth →
Active
RETTIE, Simon James→
director · ~64y · appointed 1993-05-11
View their other companies + combined net worth →
Active
RETTIE, Susan Margaret→
director · ~66y · appointed 1997-10-07
View their other companies + combined net worth →
Active
KERSHAW, Rebecca→
secretary · appointed 2006-06-01 · resigned 2010-05-03
Resigned
RETTIE, Susan Margaret→
secretary · appointed 1993-05-11 · resigned 2006-06-01
Resigned
HALL, Chris→
director · ~60y · appointed 2005-07-22 · resigned 2024-04-30
Resigned
LENG, Malcolm→
director · ~67y · appointed 1997-10-07 · resigned 2006-10-27
Resigned
MACKENZIE SMITH, Francis Piers Diarmid→
director · ~59y · appointed 2001-05-01 · resigned 2004-01-07
Resigned
PERRIAM, Anthony Hugh→
director · ~64y · appointed 1997-10-07 · resigned 2013-05-03
Resigned
RETTIE, James Philip→
director · ~100y · appointed 1993-05-11 · resigned 2013-08-28
Resigned

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

Mortgages & charges

4
Total charges
4
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property01/06/2007—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property31/07/2002—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property24/07/2002—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property06/04/2000—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (112 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-12
accounts-with-accounts-type-group
accounts · AA
2026-03-10
resolution
resolution · RESOLUTIONS
2025-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-12
accounts-with-accounts-type-group
accounts · AA
2025-03-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-13
termination-director-company-with-name-termination-date
officers · TM01
2024-05-01
accounts-with-accounts-type-group
accounts · AA
2024-01-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-15
accounts-with-accounts-type-group
accounts · AA
2023-01-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-11
accounts-with-accounts-type-group
accounts · AA
2022-02-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-11
accounts-with-accounts-type-group
accounts · AA
2021-04-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-14