CBAC DEVELOPMENTS LIMITED
🌳Matureactive
SC419931 · ltd · incorporated 2012-03-20
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 10.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Development of building projects
Sector: Construction
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 72/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
7 live charges · 2 lenders · oldest 10.5y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.5 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · 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
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 3 with DOB)
85
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
18 connected companies via shared directors
90
Filing history
60 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
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 200 | 200 |
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
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
- 2025-10-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-30🔒Charge registered #7Lender: Bank of Scotland PLC
- 2024-10-18🔒Charge registered #6Lender: Bank of Scotland PLC
- 2023-12-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-19🔓Charge satisfied #5
- 2023-07-19🔓Charge satisfied #4
- 2023-07-19🔓Charge satisfied #3
- 2023-02-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-02-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-02-03📄change-person-director-company-with-change-dateofficers · CH01
- 2022-12-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-17📄mortgage-satisfy-charge-partmortgage · MR04
- 2022-03-21📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-03-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-03-18➖MILNE, Maureen resignedsecretary
- 2021-12-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-02-16🔒Charge registered #5Lender: Bank of Scotland PLC
- 2017-10-31🔒Charge registered #4Lender: Bank of Scotland PLC
- 2017-10-13🔒Charge registered #3Lender: Bank of Scotland PLC
- 2017-10-05🔓Charge satisfied #2
- 2017-10-05🔓Charge satisfied #1
- 2015-11-06🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2015-10-23🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2015-10-08➕MCLEOD, George Paterson appointeddirector
- 2013-02-28➕OGSTON, Fraser Ralph appointeddirector
- 2013-02-28➖OGSTON, Neil Paterson resigneddirector
- 2012-03-20🏢Company incorporatedAs CBAC DEVELOPMENTS LIMITED
- 2012-03-20➕MILNE, Maureen appointedsecretary
- 2012-03-20➕OGSTON, Neil Paterson appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
49/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Linda Fraser Mcleod Individual · British · DOB 04/1976 · age 50 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 20/03/2017 |
Mr Fraser Ralph Ogston Individual · British · DOB 12/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 20/03/2017 |
Mr George Paterson Mcleod Individual · British · DOB 08/1969 · age 57 | — | — | sig. influencesignificant influence | 20/03/2017 |
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 · Construction · KY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AUSMAC REFRIGERATION LIMITED→ SC881378 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BLANEY PROPERTY GROUP LTD→ SC877815 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BOMAD HOLDINGS LIMITED→ SC535388 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BRIAN LINDSAY JOINER & BUILDER LIMITED→ SC399900 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BROOMHEAD LTD→ SC815814 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| C-FENCING LTD→ SC868458 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CARMICHAEL AND BAXTER GROUNDWORKS LIMITED→ SC393973 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| CHAPMAN LIFTING SERVICES LIMITED→ SC766544 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CHARLES BUCHANAN (ROUGHCASTERS) LIMITED→ SC233396 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| CHAS G ANDERSON LTD→ SC422152 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| CHRIS THE PLUMBER LTD→ SC853005 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CINEMA BUILD SYSTEMS LIMITED→ SC599777 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2012-03-20
Jurisdictionscotland
Primary SIC41100 — Development of building projects
Registered office
2 West Acres
St Andrews
Fife
KY16 9UD
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-03
Last: 2026-03-20
Officers (2 active · 2 resigned)
MCLEOD, George Paterson→
Activedirector · ~57y · appointed 2015-10-08
View their other companies + combined net worth →
OGSTON, Fraser Ralph→
Activedirector · ~57y · appointed 2013-02-28
View their other companies + combined net worth →
MILNE, Maureen→
Resignedsecretary · appointed 2012-03-20 · resigned 2022-03-18
OGSTON, Neil Paterson→
Resigneddirector · ~88y · appointed 2012-03-20 · resigned 2013-02-28
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
2
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 4 properties | 30/10/2024 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 18/10/2024 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 16/02/2018 | 19/07/2023 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 31/10/2017 | 19/07/2023 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 13/10/2017 | 19/07/2023 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 06/11/2015 | 05/10/2017 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 23/10/2015 | 05/10/2017 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (60 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-09
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-12
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-19
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-19
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-02-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-02-03
change-person-director-company-with-change-date
officers · CH01
2023-02-03