CITY CHIC DEVELOPMENTS LTD

🌳Matureactive
SC481847 · ltd · incorporated 2014-07-09
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£118.4k
book net assets
Opportunity
69/100
Strong
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Property-backed borrower. Reasonable fundamentals — worth a memo before deciding.

Opportunity 69/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

16 live charges · 5 lenders · oldest 11.6y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 11.6 years old — likely at or near maturity.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (78/100)

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
16 charges (16/16 with lender, 16/16 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
57 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £118,422
Cash YoY
+1137%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£225k
↑ 1137% YoY
Net Worth
£118k
↑ 83% YoY
Current Assets
£226k
↓ 77% YoY
Current Liabilities
—
£0£199k£398k£597k£796k£994kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Total assets£119.8k£75.7k
Current assets£225.8k£994.5k
Cash£225.2k£18.2k
Debtors£587£1.5k
Net assets£118.4k£64.7k

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
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (49 events)Click to expand
  1. 2026-04-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-03-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2024-12-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2024-12-11
    🔒
    Charge registered #16
    Lender: Spf Bridging LTD
  6. 2024-12-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2024-11-21
    🔒
    Charge registered #15
    Lender: Spf Bridging LTD
  8. 2024-03-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2023-11-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2023-11-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2023-11-20
    🔒
    Charge registered #14
    Lender: Spf Bridging LTD
  12. 2023-11-20
    🔒
    Charge registered #13
    Lender: Spf Bridging LTD
  13. 2023-11-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2023-11-09
    🔒
    Charge registered #12
    Lender: Spf Bridging LTD
  15. 2023-07-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  16. 2023-07-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  17. 2023-07-11
    🔓
    Charge satisfied #11
  18. 2023-07-11
    🔓
    Charge satisfied #10
  19. 2023-02-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2022-10-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2022-10-18
    🔒
    Charge registered #11
    Lender: Lendinvest Security Trustees Limited
  22. 2022-09-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  23. 2022-09-20
    🔒
    Charge registered #10
    Lender: Lendinvest Trustees Security Limited
  24. 2022-04-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  25. 2022-02-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  26. 2022-02-26
    🔓
    Charge satisfied #9
  27. 2021-09-07
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  28. 2021-09-07
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  29. 2021-09-07
    🔓
    Charge satisfied #1
  30. 2021-09-03
    🔒
    Charge registered #9
    Lender: Together Commercial Finance Limited
  31. 2021-06-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  32. 2020-12-23
    🔓
    Charge satisfied #8
  33. 2020-12-23
    🔓
    Charge satisfied #7
  34. 2020-12-23
    🔓
    Charge satisfied #6
  35. 2020-12-23
    🔓
    Charge satisfied #5
  36. 2019-07-25
    ➕
    BECKETT, Elena appointed
    director
  37. 2019-01-15
    🔒
    Charge registered #8
    Lender: National Westminster Bank PLC
  38. 2018-04-19
    🔒
    Charge registered #7
    Lender: National Westminster Bank PLC
  39. 2017-12-13
    🔒
    Charge registered #6
    Lender: National Westminster Bank PLC
  40. 2017-06-16
    🔒
    Charge registered #5
    Lender: National Westminster Bank PLC
  41. 2017-01-12
    🔓
    Charge satisfied #4
  42. 2016-04-01
    🔒
    Charge registered #4
    Lender: National Westminster Bank PLC
  43. 2016-01-28
    🔓
    Charge satisfied #3
  44. 2015-06-24
    🔓
    Charge satisfied #2
  45. 2015-06-23
    🔒
    Charge registered #3
    Lender: National Westminster Bank PLC
  46. 2014-09-10
    🔒
    Charge registered #2
    Lender: National Westminster Bank PLC
  47. 2014-09-03
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  48. 2014-07-09
    🏢
    Company incorporated
    As CITY CHIC DEVELOPMENTS LTD
  49. 2014-07-09
    ➕
    BECKETT, Henry Angus appointed
    director

Owner dependency

71/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

41/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • 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

1 med · 1 low
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

5 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Elena Beckett
Individual · British · DOB 12/1978 · age 48
25–50%
—25-50% shares10/07/2016
Mr Henry Angus Beckett
Individual · British · DOB 11/1971 · age 55
25–50%
—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

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 →
🔒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
Incorporated2014-07-09
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

H5 Newark Road South
Glenrothes
KY7 4NS
Scotland

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-10-24
Last: 2025-10-10

Officers (2 active · 0 resigned)

BECKETT, Elena→
director · ~48y · appointed 2019-07-25
View their other companies + combined net worth →
Active
BECKETT, Henry Angus→
director · ~55y · appointed 2014-07-09
View their other companies + combined net worth →
Active

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

Mortgages & charges

16
Total charges
5
Outstanding
1
Active lenders
Status:Lender:16 of 16 shown
TypeProperties
outstanding
Spf Bridging
Spf Bridging LTD
A registered charge1 property11/12/2024—
outstanding
Spf Bridging
Spf Bridging LTD
A registered charge—21/11/2024—
outstanding
Spf Bridging
Spf Bridging LTD
A registered charge1 property20/11/2023—
outstanding
Spf Bridging
Spf Bridging LTD
A registered charge1 property20/11/2023—
outstanding
Spf Bridging
Spf Bridging LTD
A registered charge—09/11/2023—
satisfied
LendInvest
Lendinvest Security Trustees Limited
A registered charge—18/10/202211/07/2023
satisfied
LendInvest
Lendinvest Trustees Security Limited
A registered charge1 property20/09/202211/07/2023
satisfied
Together Money
Together Commercial Finance Limited
A registered charge2 properties03/09/202126/02/2022
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property15/01/201923/12/2020
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property19/04/201823/12/2020
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property13/12/201723/12/2020
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property16/06/201723/12/2020
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property01/04/201612/01/2017
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property23/06/201528/01/2016
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property10/09/201424/06/2015
satisfied
National Westminster Bank
National Westminster Bank PLC
A registered charge—03/09/201407/09/2021
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (57 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-08
change-person-director-company-with-change-date
officers · CH01
2025-03-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-09
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-12
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-11
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-11