THE CHAMBER PRACTICE LTD
- · Oldest live charge 5.9y old — refinance window within 12 months
Opportunity 73/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 5.9y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
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 · accounting standard unknown| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Average employees | 2200 | 2100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 signals 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
- • 1 confirmation-statement
Corporate timeline (34 events)Click to expand
- 2025-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-10➕STIRLING, Ross Francis appointeddirector
- 2025-01-10➖TEALL, Sandra Anne resigneddirector
- 2025-01-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-08-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-28🔓Charge satisfied #2
- 2024-07-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-19🔒Charge registered #2Lender: Clydesdale Bank PLC (Trading as Virgin Money)
- 2023-11-09➕CAMPBELL, Kudzai appointeddirector
- 2023-11-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-10-09➖SHARMA, Vikas resigneddirector
- 2023-10-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-07-26📄change-person-director-company-with-change-dateofficers · CH01
- 2021-04-23📄capital-allotment-sharescapital · SH01
- 2021-03-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-09➕SHARMA, Vikas appointeddirector
- 2020-11-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-11-09📄capital-allotment-sharescapital · SH01
- 2020-08-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-08-13➖SHARMA, Vikas resigneddirector
- 2020-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-06-18🔒Charge registered #1Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank) (Company Number SC001111)
- 2019-11-01➕TEALL, Sandra Anne appointeddirector
- 2019-09-09➖WOOD, Gwendoline Margaret resigneddirector
- 2018-12-18➕WOOD, Gwendoline Margaret appointeddirector
- 2018-11-02➕SHARMA, Vikas appointeddirector
- 2017-11-02🏢Company incorporatedAs THE CHAMBER PRACTICE LTD
- 2017-11-02➕CAMPBELL, Scott appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Scott Campbell Individual · British · DOB 11/1970 · age 56 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 02/11/2017 |
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.
See pricing →Similar companies
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6 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 (3 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) | A registered charge | 1 property | 19/04/2024 | 28/08/2024 | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank) (Company Number SC001111) | A registered charge | — | 18/06/2020 | — |