CC (SCOTLAND) LTD
- · Oldest live charge 5.2y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 5.2y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey 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 |
|---|---|---|
| Total assets | £24.1k | £16.0k |
| Current assets | £33.9k | £16.2k |
| Cash | £20.0k | £13.3k |
| Debtors | £13.9k | £2.9k |
| Net assets | £20.5k | £8.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (24 events)Click to expand
- 2025-09-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-10🔓Charge satisfied #1
- 2024-04-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-04-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-04-08📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-04-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-03-31➕COCHRANE, Daren appointeddirector
- 2024-03-31➕COCHRANE, Julie appointeddirector
- 2024-03-31➖COCHRANE, Cassie resigneddirector
- 2023-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-01-05📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2021-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-02-25🔒Charge registered #1Lender: James Bernard Murray
- 2020-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-12-19🏢Company incorporatedAs CC (SCOTLAND) LTD
- 2018-12-19➕COCHRANE, Cassie appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Daren Cochrane Individual · British · DOB 11/1965 · age 61 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 31/03/2024 |
Mrs Julie Cochrane Individual · British · DOB 06/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 31/03/2024 |
1 historic (ceased) PSC
- Miss Cassie Cochraneceased 31/03/2024· 75-100% shares · 75-100% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 (2 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | James Bernard Murray | A registered charge | — | 25/02/2021 | 10/07/2024 |