CAIRNMORE LIMITED
🌳Matureactive
SC207729 · ltd · incorporated 2000-06-02
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 25.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower. Family succession underway — not a classic acquisition target.
Opportunity 78/100 (strong), bankability 65/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 21 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
37 live charges · 2 lenders · oldest 25.8y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 25.8 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (82/100)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
37 charges (37/37 with lender, 37/37 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 3 with DOB)
79
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
116 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
82
Few red 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 · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 0 | 0 |
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
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (69 events)Click to expand
- 2026-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-22🔒Charge registered #37Lender: Bank of Scotland PLC
- 2023-08-22🔒Charge registered #36Lender: Bank of Scotland PLC
- 2023-08-22🔒Charge registered #35Lender: Bank of Scotland PLC
- 2023-08-22🔒Charge registered #34Lender: Bank of Scotland PLC
- 2023-08-22🔒Charge registered #33Lender: Bank of Scotland PLC
- 2023-08-22🔒Charge registered #32Lender: Bank of Scotland PLC
- 2023-08-22🔒Charge registered #31Lender: Bank of Scotland PLC
- 2023-03-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-09-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-09-08➕BREWSTER, Kenneth George appointeddirector
- 2022-09-08➕BREWSTER, Steven John appointeddirector
- 2022-06-29📄capital-allotment-sharescapital · SH01
- 2022-06-17📄resolutionresolution · RESOLUTIONS
- 2022-02-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-03-11📄capital-allotment-sharescapital · SH01
- 2021-03-09📄resolutionresolution · RESOLUTIONS
- 2020-06-15➖26GS (SECRETARIES) LIMITED resignedcorporate-secretary
- 2018-11-05🔓Charge satisfied #22
- 2017-12-12🔒Charge registered #30Lender: Bank of Scotland PLC
- 2014-12-01🔒Charge registered #29Lender: Bank of Scotland PLC
- 2013-12-23🔒Charge registered #28Lender: Bank of Scotland PLC
- 2013-06-04🔒Charge registered #27Lender: Bank of Scotland PLC
- 2013-05-27🔒Charge registered #25Lender: Bank of Scotland PLC
- 2013-05-24🔒Charge registered #26Lender: Bank of Scotland PLC
- 2013-04-10🔒Charge registered #24Lender: Bank of Scotland PLC
- 2013-04-10🔒Charge registered #23Lender: Bank of Scotland PLC
- 2009-11-02🔒Charge registered #22Lender: Lloyds Tsb Scotland PLC
- 2009-11-02🔒Charge registered #21Lender: Lloyds Tsb Scotland PLC
- 2008-12-23➕26GS (SECRETARIES) LIMITED appointedcorporate-secretary
- 2008-12-23➖WARNERS SOLICITORS resignedcorporate-secretary
- 2006-07-19🔒Charge registered #20Lender: Lloyds Tsb Scotland PLC
- 2006-01-30🔒Charge registered #19Lender: Lloyds Tsb Scotland PLC
- 2006-01-13🔒Charge registered #18Lender: Lloyds Tsb Scotland PLC
- 2005-06-30🔒Charge registered #16Lender: Lloyds Tsb Scotland PLC
- 2005-06-24🔒Charge registered #17Lender: Lloyds Tsb Scotland PLC
- 2003-12-08🔒Charge registered #15Lender: Lloyds Tsb Scotland PLC
- 2003-11-13🔒Charge registered #14Lender: Lloyds Tsb Scotland PLC
- 2003-03-18🔒Charge registered #13Lender: Lloyds Tsb Scotland PLC
Showing most recent 50 of 69 events
Owner dependency
83/100
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
- +Long-tenure founder: Senior director has been in place 26 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
40/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFamily succession underway: Not a takeover target — BREWSTER, Kenneth George (same surname) appointed 2022-09-08. Pattern consistent with intra-family handover.
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 26 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
1 low36 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr George Pattullo Brewster Individual · British · DOB 02/1960 · age 66 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 01/07/2016 |
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 · Property · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BTHM PROPERTIES LIMITED→ SC552888 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| C-BIRD LIMITED→ SC630130 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| C1 PROPERTY INVESTMENTS LIMITED→ SC837177 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CALEDONIAN FINANCE LIMITED→ SC123931 · est 1990 · no financials extracted | — | — | — | — | 36y | — | — |
| CALGARY HERITAGE LIMITED→ SC588883 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| CANADA PLACE (RETAIL) UNIT TRUST LP LIMITED→ SC312212 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| CANADA PLACE MALL (RETAIL) UNIT TRUST LP LIMITED→ SC312215 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| CARDIOPACE MEDICAL LTD→ SC726464 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CARROLL PROPERTY LTD→ SC834339 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CART PROPERTY LIMITED→ SC602566 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CASA COMPLETE LIMITED→ SC357911 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| CASA MANZIL LIMITED→ SC846307 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2000-06-02
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
26 George Square
Edinburgh
EH8 9LD
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-07-13
Last: 2025-06-29
Officers (3 active · 4 resigned)
BREWSTER, George Pattullo→
Activedirector · ~66y · appointed 2000-06-08
View their other companies + combined net worth →
BREWSTER, Kenneth George→
Activedirector · ~37y · appointed 2022-09-08
View their other companies + combined net worth →
BREWSTER, Steven John→
Activedirector · ~35y · appointed 2022-09-08
View their other companies + combined net worth →
26GS (SECRETARIES) LIMITED→
Resignedcorporate-secretary · appointed 2008-12-23 · resigned 2020-06-15
BRIAN REID LTD.→
Resignedcorporate-nominee-secretary · appointed 2000-06-02 · resigned 2000-06-08
WARNERS SOLICITORS→
Resignedcorporate-secretary · appointed 2000-06-08 · resigned 2008-12-23
STEPHEN MABBOTT LTD.→
Resignedcorporate-nominee-director · appointed 2000-06-02 · resigned 2000-06-08
Click a director name to see their full track record across all companies.
Mortgages & charges
37
Total charges
36
Outstanding
1
Active lenders
Status:Lender:37 of 37 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 22/08/2023 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 22/08/2023 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 22/08/2023 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 22/08/2023 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 22/08/2023 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 22/08/2023 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 22/08/2023 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 12/12/2017 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 2 properties | 01/12/2014 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 23/12/2013 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 04/06/2013 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 27/05/2013 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 24/05/2013 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 10/04/2013 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 10/04/2013 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 02/11/2009 | 05/11/2018 | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 02/11/2009 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 19/07/2006 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 30/01/2006 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 13/01/2006 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 30/06/2005 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 24/06/2005 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 08/12/2003 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 13/11/2003 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 18/03/2003 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 18/03/2003 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 05/04/2002 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 05/04/2002 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 05/04/2002 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 10/08/2001 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 09/08/2001 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 07/08/2001 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 09/07/2001 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 31/10/2000 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 31/10/2000 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 31/10/2000 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Bond & floating charge | 1 property | 26/07/2000 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (116 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-17
appoint-person-director-company-with-name-date
officers · AP01
2022-09-12