CARRIGANS (HAMILTON) LTD
- · Oldest live charge 11.6y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 80). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 11.6y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 11.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-05-31 | 2023-05-31 |
|---|---|---|
| Total assets | £1.90M | — |
| Current assets | £207.9k | — |
| Cash | £75.8k | — |
| Debtors | £99.9k | — |
| Net assets | £1.88M | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (24 events)Click to expand
- 2025-03-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-05-26🔓Charge satisfied #1
- 2022-05-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-02🔒Charge registered #4Lender: Barclays Bank PLC
- 2022-02-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-10🔒Charge registered #3Lender: Barclays Bank PLC
- 2021-11-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-01📄change-person-director-company-with-change-dateofficers · CH01
- 2019-05-01📄change-person-director-company-with-change-dateofficers · CH01
- 2019-05-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-05-01📄change-person-director-company-with-change-dateofficers · CH01
- 2018-12-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2014-10-29🔒Charge registered #2Lender: Aib Group (UK) PLC
- 2014-09-12🔒Charge registered #1Lender: Aib Group (UK) PLC
- 2014-03-11🏢Company incorporatedAs CARRIGANS (HAMILTON) LTD
- 2014-03-11➕CARRIGAN, Barry appointeddirector
- 2014-03-11➕CARRIGAN, John appointeddirector
- 2014-03-11➕CARRIGAN, Philomena appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Founder name in company name: Company name contains director surname "CARRIGAN" — strong identity link between founder and business.
- +Founder age: Director aged approximately 80 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 80 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 12 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanGroup structure
Eating House (Scotland) Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Eating House (Scotland) Ltd Corporate entity | 75–100% | — | 75-100% shares | 11/03/2017 |
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.
See pricing →Similar companies
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8 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 · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 02/05/2022 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 10/02/2022 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | A registered charge | 1 property | 29/10/2014 | — | |
| satisfied | Aib Group (UK) Aib Group (UK) PLC | A registered charge | — | 12/09/2014 | 26/05/2022 |