DUNDEE AND ANGUS CHAMBER OF COMMERCE LIMITED
- · Oldest live charge 18.3y old — refinance window within 12 months
Opportunity 77/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 18.3y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 18.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 28/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (73/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover 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 | 9 | 2300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 4 officers
- • 1 confirmation-statement
Corporate timeline (133 events)Click to expand
- 2026-01-30📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-01-30📄replacement-filing-of-director-appointment-with-nameofficers · RP01AP01
- 2026-01-29📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-09➖THORNTONS LAW LLP resignedcorporate-secretary
- 2025-11-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-24➖MALPAS, Pamela resigneddirector
- 2025-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-27➕MALPAS, Pamela appointeddirector
- 2025-06-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-05-22➖BABER, Mansoor resigneddirector
- 2025-04-08📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-07📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-09📄memorandum-articlesincorporation · MA
- 2024-09-09📄resolutionresolution · RESOLUTIONS
- 2024-09-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-23➕SIMPSON, Gillian Christina appointeddirector
- 2024-05-23➖MATTHEW, Kevin James resigneddirector
- 2024-05-23➖PARKER, Philip Jeremy resigneddirector
- 2024-05-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-13🔒Charge registered #2Lender: Bank of Scotland PLC
- 2024-05-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-03🔓Charge satisfied #1
- 2023-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-27➕ARCHIBALD, Campbell Charles appointeddirector
- 2023-04-27➕CARGILL, Daniel David appointeddirector
- 2023-04-27➖MCFADYEN, Susan Lea resigneddirector
- 2023-04-27➖SMITH, Steve resigneddirector
- 2022-06-22➕STURROCK, Lynne appointeddirector
- 2022-06-22➖DAVIDSON, Blair Ewen resigneddirector
- 2022-06-22➕MATTHEW, Kevin James appointeddirector
- 2021-05-27➕ABUBAKER, Abubaker Gaber, Dr appointeddirector
- 2021-05-27➕FAIRWEATHER, Kelly Anne appointeddirector
- 2021-05-27➕LEMON, Lorraine Springorum appointeddirector
- 2021-05-27➕MOIR, Kyle Frank Strachan appointeddirector
- 2021-05-27➕MORRISON, Fiona appointeddirector
- 2021-05-27➕PARKER, Graham John appointeddirector
- 2021-05-27➖BUCHAN, James resigneddirector
- 2021-05-27➖COLLINS, Ian Philip resigneddirector
- 2021-05-27➖MILLER, Deborah resigneddirector
- 2021-05-27➖SOMMERVILLE, Craig Cameron, Dr resigneddirector
- 2021-05-27➖TAYLOR, Stuart Glenday resigneddirector
- 2020-09-17➖SLEVIN, Theresa Frances resigneddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -11 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- secondary12+ year tenure: Director in role 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: THORNTONS LAW LLP resigned 2026-01-09; BABER, Mansoor resigned 2025-05-22; MALPAS, Pamela resigned 2025-11-24
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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6 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 →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
Registered office
Filing status
Officers (11 active · 48 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 13/05/2024 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 08/02/2008 | 03/05/2024 |