R & J CHALK LIMITED

🌳Matureactive
SC339993 · ltd · incorporated 2008-03-22
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
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Turnover
year to Mar 2025
Net worth
£72.9k
book net assets
Opportunity
72/100
Strong
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What this business does
Primary activity: Other retail sale not in stores, stalls or markets
Sector: Wholesale & retail
Investor take
Special-situation opportunity
Distressed retail with salvageable qualities — special-situations priority.

Opportunity 72/100 (strong), bankability 65/100. Strong seller-intent signal (65/100, director aged 62). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: share sale to pe / searcher (65/100).

Data confidence

Overall: medium (77/100)

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
Confirmed no charges registered
85
Directors & officers
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
48 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
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
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £72,893

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
£73k
↑ 59% YoY
Current Assets
£101k
↑ 48% YoY
Current Liabilities
£0£20k£40k£60k£80k£101kMar 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£72.9k£46.0k
Current assets£100.6k£67.9k
Net assets£72.9k£46.0k

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 (22 events)Click to expand
  1. 2025-12-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-12-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-12-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-06-10
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  5. 2023-06-06
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  6. 2022-12-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-07-07
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  9. 2021-07-06
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  10. 2020-12-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2019-12-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2018-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2017-12-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2017-06-17
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  15. 2017-06-13
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  16. 2016-12-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2008-03-23
    DUNCAN, Louise Ann resigned
    director
  18. 2008-03-22
    🏢
    Company incorporated
    As R & J CHALK LIMITED
  19. 2008-03-22
    CHALK, Julie May appointed
    secretary
  20. 2008-03-22
    CHALK, Julie May appointed
    director
  21. 2008-03-22
    CHALK, Robert appointed
    director
  22. 2008-03-22
    DUNCAN, Louise Ann appointed
    director

Owner dependency

99/100
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.
  • +Founder name in company name: Company name contains director surname "CHALK" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

64/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 18 years.
  • secondaryStable-but-static management: Company is 18 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 high ·
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-04-05

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mrs Julie May Chalk
Individual · Scottish · DOB 07/1968 · age 58
2550%
25-50% shares06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2008-03-22
Jurisdictionscotland
Primary SIC47990 — Other retail sale not in stores, stalls or markets

Registered office

Coastguard Lookout
Collieston
Ellon
Aberdeenshire
AB41 8RS

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-04-05OVERDUE
Last: 2025-03-22

Officers (3 active · 1 resigned)

CHALK, Julie May
secretary · appointed 2008-03-22
View their other companies + combined net worth →
Active
CHALK, Julie May
director · ~58y · appointed 2008-03-22
View their other companies + combined net worth →
Active
CHALK, Robert
director · ~62y · appointed 2008-03-22
View their other companies + combined net worth →
Active
DUNCAN, Louise Ann
director · ~61y · appointed 2008-03-22 · resigned 2008-03-23
Resigned

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

Recent filings (48 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-23
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-28
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-27
gazette-filings-brought-up-to-date
gazette · DISS40
2023-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-09
gazette-notice-compulsory
gazette · GAZ1
2023-06-06
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-26
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-31
gazette-filings-brought-up-to-date
gazette · DISS40
2021-07-07
gazette-notice-compulsory
gazette · GAZ1
2021-07-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-01
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-30