CHARLTON SCOTLAND LIMITED
Opportunity 75/100 (strong), bankability 67/100. Strong seller-intent signal (78/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
4 live charges · 4 lenders · oldest 11.9y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 11.9 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · 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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 0 | 100 |
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
- • 2 persons-with-significant-control
- • 1 officers
Corporate timeline (39 events)Click to expand
- 2025-12-22➕SAVAGE, Mary appointeddirector
- 2025-12-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-11-06📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-11-06📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-10-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-10-27📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-10-14➖CHAMBERS, Craig Andrew resignedsecretary
- 2025-10-14➖CHAMBERS, Craig Andrew resigneddirector
- 2025-10-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-09-30📄accounts-with-accounts-type-smallaccounts · AA
- 2024-09-27📄accounts-with-accounts-type-smallaccounts · AA
- 2024-07-15➕CHAMBERS, Craig Andrew appointeddirector
- 2024-07-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-06-05📄accounts-with-accounts-type-smallaccounts · AA
- 2023-01-25📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-01-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-06-01📄accounts-with-accounts-type-smallaccounts · AA
- 2021-12-17📄accounts-with-accounts-type-smallaccounts · AA
- 2021-06-29📄accounts-with-accounts-type-smallaccounts · AA
- 2021-04-10📄gazette-filings-brought-up-to-dategazette · DISS40
- 2021-04-09📄dissolved-compulsory-strike-off-suspendeddissolution · DISS16(SOAS)
- 2021-04-06📄gazette-notice-compulsorygazette · GAZ1
- 2020-12-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-12-18🔓Charge satisfied #2
- 2019-01-10🔓Charge satisfied #4
- 2018-02-27➕CHAMBERS, Craig Andrew appointedsecretary
- 2018-02-27➖TURNBULL, Gordon resignedsecretary
- 2018-01-11🔒Charge registered #4Lender: Hsbc Invoice Finance (UK) Limited
- 2017-09-05🔓Charge satisfied #1
- 2017-08-29🔒Charge registered #3Lender: Hsbc Bank PLC
- 2017-03-01➕TURNBULL, Gordon appointedsecretary
- 2017-02-27➖MACLELLAN, Colin George resignedsecretary
- 2015-01-13➕MACLELLAN, Colin George appointedsecretary
- 2015-01-13➖WATT, Ian Robert resignedsecretary
- 2014-06-25🔒Charge registered #2Lender: Rbs Invoice Finance Limited
- 2014-06-02➕WATT, Ian Robert appointedsecretary
- 2014-06-02🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2014-05-07🏢Company incorporatedAs CHARLTON SCOTLAND LIMITED
- 2014-05-07➕O'HARE, Michael 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.
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 med ·Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: CHAMBERS, Craig Andrew resigned 2025-10-14; CHAMBERS, Craig Andrew resigned 2025-10-14
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
O'Hare Pubs Limited 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 |
|---|---|---|---|---|
O'Hare Pubs Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 14/10/2025 |
3 historic (ceased) PSCs
- Thebookingroom Group Limitedceased 14/10/2025· 75-100% shares · 75-100% voting · board control
- Tbr Europe Limitedceased 28/12/2022· 75-100% shares · 75-100% voting · board control
- Mr Michael O'Hareceased 27/02/2020· significant influence
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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| FURNITURE MOVE LTD→ SC871668 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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 (2 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | HSBC Hsbc Invoice Finance (UK) Limited | A registered charge | — | 11/01/2018 | 10/01/2019 | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | — | 29/08/2017 | — | |
| satisfied | NatWest Group Rbs Invoice Finance Limited | A registered charge | — | 25/06/2014 | 18/12/2020 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 02/06/2014 | 05/09/2017 |