CARGILL FAMILY LIMITED

🌳Matureactive
SC489896 · ltd · incorporated 2014-10-27
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
£15.1k
book net assets
Opportunity
70/100
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
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 70/100 (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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

6 live charges · 3 lenders · oldest 4.2y

25/100
too messy

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

  • · Charge age ~4.2 years — mid-life; refi window approaching.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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
6 charges (6/6 with lender, 6/6 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
1 connected companies via shared directors
48
Filing history
31 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
70/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £15,141

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£15k
↑ 265% YoY
Current Assets
£5k
↓ 60% YoY
Current Liabilities
—
£0£3k£6k£9k£12k£15kOct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2024-10-312023-10-31
Total assets£419.7k£335.2k
Current assets£5.0k£12.5k
Net assets£15.1k£4.2k

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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-06-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-12-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2024-12-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2024-12-18
    🔒
    Charge registered #6
    Lender: Paragon Bank PLC
  5. 2024-12-18
    🔒
    Charge registered #5
    Lender: Paragon Bank PLC
  6. 2024-08-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2024-08-01
    🔒
    Charge registered #4
    Lender: The Aldermore Bank PLC
  8. 2024-07-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2024-07-01
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2024-07-01
    🔓
    Charge satisfied #1
  11. 2024-05-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2024-05-27
    🔒
    Charge registered #3
    Lender: Lendinvest Btl Limited
  13. 2023-06-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2022-09-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2022-08-30
    🔒
    Charge registered #2
    Lender: Paragon Bank PLC
  16. 2022-08-29
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  17. 2022-05-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2022-05-03
    🔒
    Charge registered #1
    Lender: Lendinvest Btl Limited
  19. 2021-11-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  20. 2021-08-27
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  21. 2020-10-17
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  22. 2020-02-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  23. 2019-01-26
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  24. 2017-11-05
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  25. 2014-10-27
    🏢
    Company incorporated
    As CARGILL FAMILY LIMITED
  26. 2014-10-27
    ➕
    CARGILL, Scott William appointed
    director
  27. 2014-10-27
    ➕
    CARGILL, Zoe appointed
    director

Owner dependency

86/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "CARGILL" — strong identity link between founder and business.
  • +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 low
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 Zoe Joanne Cargill
Individual · British · DOB 05/1984 · age 42
25–50%
25–50%25-50% shares · 25-50% voting01/11/2021
Mr Scott William Cargill
Individual · United Kingdom · DOB 01/1981 · age 45
25–50%
—25-50% shares21/10/2016

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 →

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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
Incorporated2014-10-27
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

33 Cairn Grove
Crossford
Dunfermline
KY12 8YD
Scotland

Filing status

Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2026-09-09
Last: 2025-08-26

Officers (2 active · 0 resigned)

CARGILL, Scott William→
director · ~45y · appointed 2014-10-27
View their other companies + combined net worth →
Active
CARGILL, Zoe→
director · ~42y · appointed 2014-10-27
View their other companies + combined net worth →
Active

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

Mortgages & charges

6
Total charges
5
Outstanding
3
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property18/12/2024—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property18/12/2024—
outstanding
Aldermore
The Aldermore Bank PLC
A registered charge1 property01/08/2024—
outstanding
LendInvest
Lendinvest Btl Limited
A registered charge1 property27/05/2024—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property30/08/2022—
satisfied
LendInvest
Lendinvest Btl Limited
A registered charge1 property03/05/202201/07/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (31 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-26
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-19
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-05
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-17
mortgage-satisfy-charge-full
mortgage · MR04
2024-07-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-27
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-04
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-09-01
accounts-with-accounts-type-dormant
accounts · AA
2022-08-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-05-04