CROMARTY COMMUNITY DEVELOPMENT TRUST

🏛️Establishedactive

SC567005 · private-limited-guarant-nsc-limited-exemption · incorporated 2017-05-25

Investment thesis

Looks cheap but ownership + security both unclear — probable value trap.

Why interesting: Headline metrics may be attractive.

Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 8.1y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£24.8k

book net assets

Opportunity

75/100

Strong

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What this business does

Primary activity: Activities of other membership organisations n.e.c.

Sector: Other service activities

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 8.1y

65/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 8.1 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (72/100)

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

20 officers (8 active, 20 linked, 20 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

3 connected companies via shared directors

Filing history

51 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £24,797

Cash YoY

+56%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£37k

↑ 56% YoY

Net Worth

£25k

↑ 33% YoY

Current Assets

£37k

↑ 55% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31
Total assets	£245.5k	£239.3k
Current assets	£36.9k	£23.7k
Cash	£36.9k	£23.6k
Debtors	—	£93
Net assets	£24.8k	£18.6k

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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (56 events)Click to expand

2025-09-09
➖
THURGOOD, Andrew Lee resigned
director
2025-09-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-07-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-19
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-06-05
➖
DEAKIN, Fiona Jane resigned
director
2025-05-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-05-13
➕
THURGOOD, Andrew Lee appointed
director
2024-12-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
📄
memorandum-articles
incorporation · MA
2023-10-06
📄
resolution
resolution · RESOLUTIONS
2023-09-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-08-23
📄
memorandum-articles
incorporation · MA
2023-08-23
📄
notice-restriction-on-company-articles
change-of-constitution · CC01
2023-07-01
➕
STEWART, David Ewan appointed
director
2023-05-30
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-05-29
🔒
Charge registered #2
Lender: The Highland Council
2023-05-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-05-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-05-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-05-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-05-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-05-04
➕
GRIST, Matthew Richard appointed
director
2023-05-04
➕
PIA, Stefano appointed
director
2023-05-04
➕
DEAKIN, Fiona Jane appointed
director
2023-05-04
➖
QUICK, Estelle resigned
director
2023-05-04
➖
ROSS, Jaqueline Anne resigned
director
2023-02-08
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-02-08
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-02-06
➕
FOX, Phoebe Clementine Alice appointed
director
2023-02-06
➖
BROWNE, Donald Iain Sinclair resigned
director
2022-07-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-06-27
➕
BROWNE, Donald Iain Sinclair appointed
director
2022-05-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-12
➕
HALL, Matthew David appointed
director
2022-03-12
➖
FULLARTON, John Gregor resigned
director
2021-11-18
➖
SHAPCOTT, Nigel Gordon resigned
director
2020-12-16
➖
ROSS, David Fleming resigned
director
2019-10-15
➕
MACKENZIE, Duncan Fraser appointed
director
2019-10-07
➖
FRASER, David John resigned
director
2018-09-11
➕
YOUNG, Ronald John Winton appointed
director
2018-09-11
➕
FRASER, David John appointed
director
2018-09-11
➕
FULLARTON, John Gregor appointed
director
2018-09-11
➖
MACFARLANE, Kenneth John resigned
director
2018-09-11
➕
SHAPCOTT, Nigel Gordon appointed
director
2018-06-21
➖
HOGG, Rosemarie Gertrude resigned
director
2018-04-18
➕
ROSS, David Fleming appointed
director
2018-03-29
🔒
Charge registered #1
Lender: The Highland Council
2018-02-08
➕
CURRIE, Sheila Ann appointed
director
2018-02-08
➖
MCDONALD, Alan resigned
director

Showing most recent 50 of 56 events

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-8 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

60/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.

Red flags

1 med ·

2 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: DEAKIN, Fiona Jane resigned 2025-06-05; THURGOOD, Andrew Lee resigned 2025-09-09

🔒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

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CARRON CRAFTS LTD→ SC837771 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
COLIN FULTON LTD→ SC771116 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
CORSO CORPORATION L.P.→ SL020592 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
EASTER KELLAS FARM PARTNERSHIP→ SL001255 · est 1988 · no financials extracted	—	—	—	—	37y	—	—
EURASIA CORPORATION L.P.→ SL017817 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
EUROGROUP LP→ SL025770 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
EUROHOLD INVEST L.P.→ SL016663 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
EUROPA CORPORATION L.P.→ SL019606 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
EUROPA EXPORTS L.P.→ SL013787 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
EUROPA FORWARDING L.P.→ SL018685 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
EUROPA INVESTMENTS L.P.→ SL014721 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
EUROPA L.P.→ SL013871 · est 2013 · no financials extracted	—	—	—	—	12y	—	—

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

Typeprivate-limited-guarant-nsc-limited-exemption

Incorporated2017-05-25

Jurisdictionscotland

Primary SIC94990 — Activities of other membership organisations n.e.c.

Registered office

Cromarty Post Office

Bank Street

Cromarty

Ross-Shire

IV11 8UY

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-05-27

Last: 2025-05-13