CFUK CONCEPTS LTD
🌳Matureactive
SC496696 · ltd · incorporated 2015-02-03
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 3.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
66/100
Strong
What this business does
Primary activity: Other retail sale of new goods in specialised stores (other than commercial art galleries and opticians)
Sector: Wholesale & retail
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 66/100 (strong), bankability 65/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 3.4y
60/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Charge age ~3.4 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (58/100)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
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
43 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
66/100Strong
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
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2025-12-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-12-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-16🔓Charge satisfied #2
- 2023-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-11🔒Charge registered #2Lender: Skipton Business Finance Limited
- 2023-03-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-02-17➖GORDON, Sandie Elaine resigneddirector
- 2022-12-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-12-06🔒Charge registered #1Lender: Dsl Business Finance Limited (SC145739)
- 2022-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-01-18📄change-person-director-company-with-change-dateofficers · CH01
- 2022-01-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-10-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-20📄change-person-director-company-with-change-dateofficers · CH01
- 2020-08-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-08-01➕GORDON, Sandie Elaine appointeddirector
- 2020-02-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-02-19📄change-person-director-company-with-change-dateofficers · CH01
- 2020-02-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2017-05-24➖STOKES, Catherine Elizabeth resigneddirector
- 2015-09-01➕STOKES, Catherine Elizabeth appointeddirector
- 2015-02-03🏢Company incorporatedAs CFUK CONCEPTS LTD
- 2015-02-03➕CHISHOLM, Mark appointeddirector
- 2015-02-03➕URQUHART, James 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
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 high ·Confirmation statement overdue
highAnnual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-03-04
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Mark Chisholm Individual · British · DOB 11/1985 · age 41 | 25–50% | — | 25-50% shares | 02/02/2017 |
Mr James Urquhart Individual · British · DOB 08/1985 · age 41 | 25–50% | — | 25-50% shares | 02/02/2017 |
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 · Retail · IV postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ELGIN FURNITURE & CARPET CENTRE LIMITED→ SC252844 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| GALE TRADING LIMITED→ SC872202 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GARDENS AND GIFTS LIMITED→ SC834783 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| HIGHLAND HOSTS LIMITED→ SC842888 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| HUTCHISELL LTD→ SC846556 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| INVERBLOOM LIMITED→ SC150291 · est 1994 · no financials extracted | — | — | — | — | 31y | — | — |
| INVERNESS BATHROOMS LIMITED→ SC390534 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| INVERNESS COMPUTER CENTRE LTD.→ SC255445 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| INVERNESS FLOORING & FURNITURE LTD→ SC834193 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| INVERNESS GOLF CENTRE LIMITED→ SC187445 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| INVERNESS NEWS LIMITED→ SC554035 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| INVERNESS STORES LTD→ SC725180 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2015-02-03
Jurisdictionscotland
Primary SIC47789 — Other retail sale of new goods in specialised stores (other than commercial art galleries and opticians)
Registered office
2 Lairg Industrial Estate
Lairg
IV27 4BN
Scotland
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2026-03-04OVERDUE
Last: 2025-02-18
Officers (2 active · 2 resigned)
CHISHOLM, Mark→
Activedirector · ~41y · appointed 2015-02-03
View their other companies + combined net worth →
URQUHART, James→
Activedirector · ~41y · appointed 2015-02-03
View their other companies + combined net worth →
GORDON, Sandie Elaine→
Resigneddirector · ~33y · appointed 2020-08-01 · resigned 2023-02-17
STOKES, Catherine Elizabeth→
Resigneddirector · ~50y · appointed 2015-09-01 · resigned 2017-05-24
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Skipton Business Finance Skipton Business Finance Limited | A registered charge | 1 property | 11/08/2023 | 16/01/2024 | |
| outstanding | Dsl Business Finance (SC145739) Dsl Business Finance Limited (SC145739) | A registered charge | — | 06/12/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (43 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-29
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-24
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-16
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-19
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-11
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-02
termination-director-company-with-name-termination-date
officers · TM01
2023-03-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-02-23
change-person-director-company-with-change-date
officers · CH01
2022-01-18