P C T PARTNERSHIP LIMITED
- · Oldest live charge 23.1y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 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
1 live charge · oldest 23.1y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 23.1 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.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £5.4k | £6.3k |
| Current assets | £6.7k | £6.8k |
| Cash | £6.7k | £6.8k |
| Net assets | £5.4k | £6.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (24 events)Click to expand
- 2025-07-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-09-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-05-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-29➕PEDRESCHI, Remo appointeddirector
- 2023-05-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-09-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-09-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-07-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2016-04-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2016-03-31➖CRAIK, Alison resigneddirector
- 2003-03-18🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2002-09-10🏢Company incorporatedAs P C T PARTNERSHIP LIMITED
- 2002-09-10➕PEDRESCHI, Theresa appointedsecretary
- 2002-09-10➕PEDRESCHI, Theresa appointeddirector
- 2002-09-10➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2002-09-10➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 2002-09-10➕CRAIK, Alison appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 69 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 24 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
cleanShareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Remo Pedreschi Individual · Scottish · DOB 01/1957 · age 69 | 25–50% | — | 25-50% shares | 01/04/2024 |
Mrs Theresa Pedreschi Individual · British · DOB 03/1957 · age 69 | 25–50% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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
Registered office
Filing status
Officers (3 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 18/03/2003 | — |