ANDREW A PATTERSON & COMPANY LIMITED

🌳Matureactive
SC307225 · ltd · incorporated 2006-08-21
Investment thesis
Looks cheap but ownership + security both unclear — probable value trap.
Why interesting: Headline metrics may be attractive.
Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£1.68M
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: SIC 01410
Sector: Agriculture, forestry & fishing
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 82/100 (exceptional), bankability 67/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: 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

3 live charges · 3 lenders · oldest 19.0y

35/100
too messy

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

  • · Oldest live charge is 19.0 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 (71/100)

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
1 connected companies via shared directors
48
Filing history
53 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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 £1,683,422

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£1.7m
↑ 32% YoY
Current Assets
£1.3m
↑ 33% YoY
Current Liabilities
—
£0£337k£673k£1.0m£1.3m£1.7mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£2.38M£1.34M
Current assets£1.27M£954.5k
Net assets£1.68M£1.27M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-12-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2025-12-17
    🔒
    Charge registered #3
    Lender: Clydesdale Bank PLC (Trading as Virgin Money)
  3. 2025-09-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-10-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-03-12
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2024-03-11
    ➕
    PATTERSON, Craig appointed
    director
  7. 2024-03-11
    ➕
    PATTERSON, Stephen appointed
    director
  8. 2024-03-11
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2023-10-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2022-11-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2021-11-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2020-09-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-09-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2018-11-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2017-08-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2017-02-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2017-02-07
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
  18. 2016-10-17
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  19. 2015-12-15
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  20. 2014-03-01
    ➖
    PATTERSON, Stephanie resigned
    secretary
  21. 2007-07-04
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  22. 2006-08-21
    🏢
    Company incorporated
    As ANDREW A PATTERSON & COMPANY LIMITED
  23. 2006-08-21
    ➕
    PATTERSON, Andrew appointed
    director
  24. 2006-08-21
    ➕
    KANE, Dorothy May appointed
    secretary
  25. 2006-08-21
    ➖
    KANE, Dorothy May resigned
    secretary
  26. 2006-08-21
    ➕
    PATTERSON, Stephanie appointed
    secretary

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 "PATTERSON" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 72 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

33/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — PATTERSON, Craig (same surname) appointed 2024-03-11. Pattern consistent with intra-family handover.
  • primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 20 years.
  • 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.

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Company details

Statusactive
Typeltd
Incorporated2006-08-21
Jurisdictionscotland
Primary SIC01410 — SIC 01410

Registered office

Howpark Farm
Grantshouse
Duns Berwickshire
TD11 3RP

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-03
Last: 2025-08-20

Officers (3 active · 2 resigned)

PATTERSON, Andrew→
director · ~72y · appointed 2006-08-21
View their other companies + combined net worth →
Active
PATTERSON, Craig→
director · ~33y · appointed 2024-03-11
View their other companies + combined net worth →
Active
PATTERSON, Stephen→
director · ~31y · appointed 2024-03-11
View their other companies + combined net worth →
Active
KANE, Dorothy May→
secretary · appointed 2006-08-21 · resigned 2006-08-21
Resigned
PATTERSON, Stephanie→
secretary · appointed 2006-08-21 · resigned 2014-03-01
Resigned

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

Mortgages & charges

3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC (Trading as Virgin Money)
A registered charge1 property17/12/2025—
outstanding
Virgin Money
Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
A registered charge—07/02/2017—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property04/07/2007—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (53 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-22
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-02
appoint-person-director-company-with-name-date
officers · AP01
2024-03-12
appoint-person-director-company-with-name-date
officers · AP01
2024-03-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-05
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-22
accounts-with-accounts-type-micro-entity
accounts · AA
2020-09-22