CAMERON HARRIS LTD.

🌳Matureactive
SC241344 · ltd · incorporated 2002-12-18
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 23.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£93.0k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Property-backed borrower with a 78-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 78). 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 · 2 lenders · oldest 23.1y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 23.1 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
79 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
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 · accounting standard not declared
Positive net assets
Net assets £92,955
Cash YoY
+18%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£6k
↑ 18% YoY
Net Worth
£93k
↑ 6.5% YoY
Current Assets
—
Current Liabilities
—
£0£19k£37k£56k£74k£93kApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-302024-04-30
Total assets£121.2k£116.2k
Current assets—£5.0k
Cash£5.9k£5.0k
Net assets£93.0k£87.2k

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
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-01-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-02-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2024-02-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2023-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-04-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-03-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-12-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2021-12-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2021-12-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2021-12-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2021-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-12-23
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  14. 2020-12-23
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  15. 2019-11-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2019-01-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2010-08-12
    🔒
    Charge registered #2
    Lender: Bank of Scotland PLC
  18. 2003-04-16
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  19. 2003-01-09
    ➕
    CAMERON, David Ewan appointed
    secretary
  20. 2003-01-09
    ➕
    CAMERON, David Ewan appointed
    director
  21. 2003-01-09
    ➕
    CAMERON, John appointed
    director
  22. 2003-01-09
    ➕
    CAMERON, Mairi Lauda appointed
    director
  23. 2003-01-09
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  24. 2003-01-09
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director
  25. 2002-12-18
    🏢
    Company incorporated
    As CAMERON HARRIS LTD.
  26. 2002-12-18
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  27. 2002-12-18
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-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 "CAMERON" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 78 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr John Cameron
Individual · British · DOB 03/1976 · age 50
75–100%
75–100%75-100% shares · 75-100% voting06/04/2016
2 historic (ceased) PSCs
  • Mr David Ewan Cameronceased 01/04/2019· 25-50% shares · 25-50% voting
  • Mairi Lauda Cameronceased 01/04/2019· 25-50% shares · 25-50% voting

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

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
Incorporated2002-12-18
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

4th Floor, Metropolitan House
31-33 High Street
Inverness
IV1 1HT

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-10-20
Last: 2025-10-06

Officers (4 active · 2 resigned)

CAMERON, David Ewan→
secretary · appointed 2003-01-09
View their other companies + combined net worth →
Active
CAMERON, David Ewan→
director · ~78y · appointed 2003-01-09
View their other companies + combined net worth →
Active
CAMERON, John→
director · ~50y · appointed 2003-01-09
View their other companies + combined net worth →
Active
CAMERON, Mairi Lauda→
director · ~69y · appointed 2003-01-09
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2002-12-18 · resigned 2003-01-09
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2002-12-18 · resigned 2003-01-09
Resigned

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
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC
Standard security1 property12/08/2010—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property16/04/2003—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (79 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-02-01
change-person-director-company-with-change-date
officers · CH01
2024-02-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-06
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-12-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-12-20
change-person-director-company-with-change-date
officers · CH01
2021-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-20