THE CAIRN PARTNERSHIP LIMITED

🌳Matureactive
SC286211 · ltd · incorporated 2005-06-15
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
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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 80-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 80). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

6 live charges · 3 lenders · oldest 20.6y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 20.6 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (79/100)

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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
65 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 accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Average employees00

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
0
filings
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
  1. 2025-11-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-07-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-07-22
    🔒
    Charge registered #6
    Lender: Clydesdale Bank PLC
  4. 2025-01-08
    📄
    capital-return-purchase-own-shares
    capital · SH03
  5. 2024-12-06
    📄
    capital-name-of-class-of-shares
    capital · SH08
  6. 2024-11-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-02-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-11-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2023-11-28
    🔒
    Charge registered #5
    Lender: Clydesdale Bank PLC
  10. 2023-06-19
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  11. 2022-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-09-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-06-30
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2021-06-17
    🔒
    Charge registered #4
    Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
  15. 2021-06-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2021-06-08
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  17. 2021-06-08
    🔓
    Charge satisfied #2
  18. 2021-06-03
    🔒
    Charge registered #3
    Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
  19. 2020-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2019-11-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2018-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2018-03-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2013-10-28
    🔒
    Charge registered #2
    Lender: National Westminster Bank PLC
  24. 2013-08-20
    ➖
    CLARK, Alan Lewis resigned
    director
  25. 2005-09-23
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  26. 2005-06-15
    🏢
    Company incorporated
    As THE CAIRN PARTNERSHIP LIMITED
  27. 2005-06-15
    ➕
    CLARK, Alan Earle appointed
    secretary
  28. 2005-06-15
    ➕
    CLARK, Alan Earle appointed
    director
  29. 2005-06-15
    ➕
    CLARK, Jonathon Leonard appointed
    director
  30. 2005-06-15
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  31. 2005-06-15
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  32. 2005-06-15
    ➕
    CLARK, Alan Lewis appointed
    director
  33. 2005-06-15
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  34. 2005-06-15
    ➖
    STEPHEN MABBOTT LTD. resigned
    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 80 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100
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 80 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 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 21 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 low
5 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Jonathon Leonard Clark
Individual · British · DOB 06/1980 · age 46
50–75%
—50-75% shares06/04/2016
1 historic (ceased) PSC
  • Mrs Linda Clarkceased 28/03/2023· 25-50% shares

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

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
Incorporated2005-06-15
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

The School House
Kinnaird
Perthshire
PH14 9QY

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-06-29
Last: 2025-06-15

Officers (3 active · 3 resigned)

CLARK, Alan Earle→
secretary · appointed 2005-06-15
View their other companies + combined net worth →
Active
CLARK, Alan Earle→
director · ~80y · appointed 2005-06-15
View their other companies + combined net worth →
Active
CLARK, Jonathon Leonard→
director · ~46y · appointed 2005-06-15
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2005-06-15 · resigned 2005-06-15
Resigned
CLARK, Alan Lewis→
director · ~55y · appointed 2005-06-15 · resigned 2013-08-20
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2005-06-15 · resigned 2005-06-15
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

6
Total charges
5
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC
A registered charge1 property22/07/2025—
outstanding
Virgin Money
Clydesdale Bank PLC
A registered charge4 properties28/11/2023—
outstanding
Virgin Money
Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
A registered charge2 properties17/06/2021—
outstanding
Virgin Money
Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
A registered charge—03/06/2021—
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property28/10/201308/06/2021
outstanding
National Westminster Bank
National Westminster Bank PLC
Standard security1 property23/09/2005—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (65 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-23
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-16
capital-return-purchase-own-shares
capital · SH03
2025-01-08
capital-name-of-class-of-shares
capital · SH08
2024-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-29
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-19
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-06-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-06-30