CCF PROPERTIES (PAISLEY) LTD
Opportunity 78/100 (strong), bankability 67/100. 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 (73/100).
Refinance opportunity
3 live charges · 3 lenders · oldest 6.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.7 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 100 | 100 |
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 (17 events)Click to expand
- 2025-06-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-09-14🔒Charge registered #3Lender: Royal Bank of Scotland PLC
- 2021-06-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-02🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2021-03-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-08-12🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2019-05-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-05-14📄change-person-director-company-with-change-dateofficers · CH01
- 2018-12-17🏢Company incorporatedAs CCF PROPERTIES (PAISLEY) LTD
- 2018-12-17➕LAWRIE, Thomson Gordon appointeddirector
- 2018-12-17📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Thomson Gordon Lawrie Individual · British · DOB 09/1963 · age 63 | 75–100% | — | 75-100% shares | 17/12/2018 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | A registered charge | 1 property | 14/09/2021 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 02/06/2021 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 12/08/2019 | — |