CLYDE VALLEY INVESTMENTS LIMITED
- · Oldest live charge 17.1y old — refinance window within 12 months
Opportunity 74/100 (strong), bankability 70/100. Strong seller-intent signal (65/100, director aged 58). 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).
Refinance opportunity
1 live charge · oldest 17.1y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 17.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 2 | 0 |
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
- • 1 accounts
Corporate timeline (23 events)Click to expand
- 2025-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-12-12📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-13📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-10-15📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-04-07📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-12-03📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-03-24📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-10-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2013-07-26➖FERGUSON, Barry resigneddirector
- 2011-02-21➕FERGUSON, Margaret appointeddirector
- 2009-04-08🔒Charge registered #1Lender: Clydesdale Bank PLC
- 2008-11-04🏢Company incorporatedAs CLYDE VALLEY INVESTMENTS LIMITED
- 2008-11-04➕WOTHERSPOON, Thomas Brown appointedsecretary
- 2008-11-04➕WOTHERSPOON, Thomas Brown appointeddirector
- 2008-11-04➕FERGUSON, Barry appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 17 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high ·Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-03-12
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Thomas Brown Wotherspoon Individual · British · DOB 10/1968 · age 58 | 25–50% | — | 25-50% shares | 28/02/2017 |
Mrs Margaret Ferguson Individual · British · DOB 04/1978 · age 48 | 25–50% | — | 25-50% shares | 28/02/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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 (3 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 08/04/2009 | — |