CAIRNRIDGE LIMITED
🌳Matureactive
SC190819 · ltd · incorporated 1998-11-04
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 26.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Renting and operating of Housing Association real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 76-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 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
2 live charges · oldest 26.7y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 26.7 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 (69/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 4 with DOB)
81
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
79 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.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-11-30 |
|---|---|
| Average employees | 200 |
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
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2026-03-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-08-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-08-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-08-12➕MCNAB, Aileen Marie appointeddirector
- 2024-08-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-07-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-08-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-08-18📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-08-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-11-11📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-08-03📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2003-08-08➕MCNAB, Aileen Marie appointedsecretary
- 2003-08-08➕MCNAB, Ian appointeddirector
- 2003-08-08➖SMITH, Josephine Maris resignedsecretary
- 2003-08-08➖HORN, Alexander Fraser resigneddirector
- 1999-08-25🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 1999-08-25🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1998-11-09➖REID, Brian resignednominee-secretary
- 1998-11-09➕SMITH, Josephine Maris appointedsecretary
- 1998-11-09➕HORN, Alexander Fraser appointeddirector
- 1998-11-09➖MABBOTT, Stephen resignednominee-director
- 1998-11-04🏢Company incorporatedAs CAIRNRIDGE LIMITED
- 1998-11-04➕REID, Brian appointednominee-secretary
- 1998-11-04➕MABBOTT, Stephen appointednominee-director
Owner dependency
91/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 76 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ian Mcnab Individual · British · DOB 04/1950 · age 76 | — | — | sig. influencesignificant influence | 01/07/2016 |
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.
See pricing →Company details
Statusactive
Typeltd
Incorporated1998-11-04
Jurisdictionscotland
Primary SIC68201 — Renting and operating of Housing Association real estate
Registered office
81 Broomhouse Crescent
Uddingston
Glasgow
G71 7RE
Scotland
Filing status
Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2026-11-18
Last: 2025-11-04
Officers (3 active · 4 resigned)
MCNAB, Aileen Marie→
Activesecretary · appointed 2003-08-08
View their other companies + combined net worth →
MCNAB, Aileen Marie→
Activedirector · ~65y · appointed 2024-08-12
View their other companies + combined net worth →
Active
REID, Brian→
Resignednominee-secretary · appointed 1998-11-04 · resigned 1998-11-09
SMITH, Josephine Maris→
Resignedsecretary · appointed 1998-11-09 · resigned 2003-08-08
HORN, Alexander Fraser→
Resigneddirector · ~73y · appointed 1998-11-09 · resigned 2003-08-08
MABBOTT, Stephen→
Resignednominee-director · ~76y · appointed 1998-11-04 · resigned 1998-11-09
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 25/08/1999 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 25/08/1999 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (79 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-13
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-15
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-14
appoint-person-director-company-with-name-date
officers · AP01
2024-08-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-08
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-18
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-08-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-08-17