CROFTKIRK LIMITED

🌳Matureactive
SC270206 · ltd · incorporated 2004-07-02
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 21.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£28.9k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Property-backed borrower with a 67-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 70/100. Strong seller-intent signal (83/100, director aged 67). 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: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · oldest 21.6y

65/100
clean up first

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

  • · Oldest live charge is 21.6 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 (72/100)

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
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
8 officers (3 active, 8 linked, 4 with DOB)
80
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
5 connected companies via shared directors
60
Filing history
73 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 · FRS 105 (micro)
Positive net assets
Net assets £28,852
Net assets shrinking
Down £183 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£29k
~ YoY
Current Assets
£29k
↓ 2.4% YoY
Current Liabilities
—
£0£6k£12k£18k£24k£30kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£28.9k£29.8k
Current assets£29.4k£30.1k
Net assets£28.9k£29.0k

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 (34 events)Click to expand
  1. 2025-12-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-11-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-05-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2023-12-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-06-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-10-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-09-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2018-12-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-01-12
    📄
    accounts-amended-with-accounts-type-total-exemption-small
    accounts · AAMD
  11. 2018-01-12
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  12. 2017-12-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2017-08-18
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2017-04-20
    📄
    accounts-amended-with-accounts-type-total-exemption-small
    accounts · AAMD
  15. 2017-04-20
    📄
    accounts-amended-with-accounts-type-total-exemption-small
    accounts · AAMD
  16. 2016-12-21
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2005-04-26
    ➕
    AHMED, Naeem appointed
    secretary
  18. 2005-04-26
    ➕
    AHMED, Naeem appointed
    director
  19. 2005-04-26
    ➕
    AHMED, Shakil appointed
    director
  20. 2005-04-26
    ➖
    KEW TAIT & CO resigned
    corporate-secretary
  21. 2005-04-26
    ➖
    MAHMOOD, Muhammad Thair resigned
    director
  22. 2004-11-19
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  23. 2004-11-15
    🔒
    Charge registered #3
    Lender: Clydesdale Bank Public Limited Company
  24. 2004-11-12
    🔒
    Charge registered #4
    Lender: Clydesdale Bank Public Limited Company
  25. 2004-10-18
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  26. 2004-07-23
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  27. 2004-07-23
    ➕
    KEW TAIT & CO appointed
    corporate-secretary
  28. 2004-07-23
    ➕
    MAHMOOD, Muhammad Thair appointed
    director
  29. 2004-07-23
    ➕
    NAZIR, Mohammad appointed
    director
  30. 2004-07-23
    ➖
    NAZIR, Mohammad resigned
    director
  31. 2004-07-23
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director
  32. 2004-07-02
    🏢
    Company incorporated
    As CROFTKIRK LIMITED
  33. 2004-07-02
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  34. 2004-07-02
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director

Owner dependency

91/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — 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 candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. 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 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 22 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.)
🔒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
Incorporated2004-07-02
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

1 Campbell Lane
Hamilton
ML3 6DB
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-16
Last: 2025-07-02

Officers (3 active · 5 resigned)

AHMED, Naeem→
secretary · appointed 2005-04-26
View their other companies + combined net worth →
Active
AHMED, Naeem→
director · ~62y · appointed 2005-04-26
View their other companies + combined net worth →
Active
AHMED, Shakil→
director · ~67y · appointed 2005-04-26
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2004-07-02 · resigned 2004-07-23
Resigned
KEW TAIT & CO→
corporate-secretary · appointed 2004-07-23 · resigned 2005-04-26
Resigned
MAHMOOD, Muhammad Thair→
director · ~63y · appointed 2004-07-23 · resigned 2005-04-26
Resigned
NAZIR, Mohammad→
director · ~92y · appointed 2004-07-23 · resigned 2004-07-23
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2004-07-02 · resigned 2004-07-23
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
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/2004—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property15/11/2004—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property12/11/2004—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property18/10/2004—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (73 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-03
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-05-23
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-04
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-09
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-02
accounts-with-accounts-type-micro-entity
accounts · AA
2020-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-05
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-09-04