CHATCO LIMITED
🌳Matureactive
SC313959 · ltd · incorporated 2006-12-29
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 19.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueActive trading company with a 86-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (73/100, director aged 86). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
2 live charges · oldest 19.3y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 19.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
5 officers (5 active, 5 linked, 4 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
18 connected companies via shared directors
90
Filing history
50 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
3
filings
- • 2 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2026-01-11📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-11📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-02➕HEGARTY, Brendan John Christopher appointeddirector
- 2024-04-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-01-21📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-07-07📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2013-02-05🔓Charge satisfied #2
- 2013-02-05🔓Charge satisfied #1
- 2007-01-10🔒Charge registered #2Lender: The Governor and Company of the Bank of Scotland
- 2007-01-10🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2006-12-29🏢Company incorporatedAs CHATCO LIMITED
- 2006-12-29➕AITKEN, Brian appointedsecretary
- 2006-12-29➕AITKEN, Brian appointeddirector
- 2006-12-29➕CONNOLLY, Michael John appointeddirector
- 2006-12-29➕HEGARTY, Gerard Patrick appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 86 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
73/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 86 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 19 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Gerard Patrick Hegarty Individual · British · DOB 10/1940 · age 86 | 25–50% | — | 25-50% shares | 06/04/2016 |
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 →Similar companies
Active · Property · PA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ELLA & LEWIS PROPERTIES LTD→ SC801222 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| GARELOCH VIEW LIMITED→ SC401711 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| GLASCHU LETS LTD→ SC838388 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| GUNN GROUP LTD→ SC856853 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HARBOR PROPERTY (SCOTLAND) LIMITED→ SC491291 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| HILL DRYBURGH LIMITED→ SC808230 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| HOMES FOR SAPIENS SUITES LTD→ SC884422 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| IHMV PROPERTY LIMITED→ SC680774 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| INVERGROVE LIMITED→ SC160333 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| INVERORAN LIMITED→ SC482437 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| INVESTICO SCOTLAND LTD→ SC740092 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| INVESTOR DISTRICT LTD→ SC660625 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2006-12-29
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
3 Newmains Avenue
Inchinnan Business Park
Renfrew
PA4 9RR
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-01-12
Last: 2025-12-29
Officers (5 active · 0 resigned)
Active
AITKEN, Brian→
Activedirector · ~72y · appointed 2006-12-29
View their other companies + combined net worth →
CONNOLLY, Michael John→
Activedirector · ~68y · appointed 2006-12-29
View their other companies + combined net worth →
HEGARTY, Brendan John Christopher→
Activedirector · ~56y · appointed 2024-05-02
View their other companies + combined net worth →
HEGARTY, Gerard Patrick→
Activedirector · ~86y · appointed 2006-12-29
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 10/01/2007 | 05/02/2013 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 1 property | 10/01/2007 | 05/02/2013 |
Recent filings (50 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-11
change-person-director-company-with-change-date
officers · CH01
2026-01-11
change-person-director-company-with-change-date
officers · CH01
2026-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-11
appoint-person-director-company-with-name-date
officers · AP01
2024-05-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-04
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-17