CARRICK 2020 LIMITED

💤Zombieactive
SC632226 · ltd · incorporated 2019-06-03
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
Upgrade to see
Turnover
year to Apr 2025
Net worth
£6.25M
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Financial management
Sector: Professional, scientific & technical
Investor take
Pursue
Asset-holding vehicle with a 74-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 85/100. Strong seller-intent signal (60/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 4.7y

35/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Charge age ~4.7 years — mid-life; refi window approaching.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
20 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £6,247,349
Cash YoY
-5%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£123k
↓ 4.7% YoY
Net Worth
£6.2m
↑ 1.1% YoY
Current Assets
£123k
↓ 24% YoY
Current Liabilities
£0£1.2m£2.5m£3.7m£5.0m£6.2mApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-052024-04-05
Total assets£6.25M£6.18M
Current assets£123.2k£162.3k
Cash£123.2k£129.3k
Debtors£33.0k
Net assets£6.25M£6.18M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 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

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 (18 events)Click to expand
  1. 2025-12-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-06-02
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2025-06-02
    🔓
    Charge satisfied #1
  4. 2024-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-01-30
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2023-12-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-01-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-03-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-02-03
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  10. 2021-08-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2021-08-05
    🔒
    Charge registered #1
    Lender: Ubs Ag
  12. 2021-06-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-08-29
    📄
    resolution
    resolution · RESOLUTIONS
  14. 2019-08-22
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2019-08-22
    📄
    capital-allotment-shares
    capital · SH01
  16. 2019-06-03
    🏢
    Company incorporated
    As CARRICK 2020 LIMITED
  17. 2019-06-03
    BRODIE, Steven Ben appointed
    director
  18. 2019-06-03
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

95/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Founder age: Director aged approximately 74 — succession pressure is live.
  • +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

75/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Steven Ben Brodie
Individual · British · DOB 04/1952 · age 74
75–100%board control75-100% voting · board control03/06/2019

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated2019-06-03
Jurisdictionscotland
Primary SIC70221 — Financial management

Registered office

9 New Road
Ayr
KA8 8DA
Scotland

Filing status

Accounts
Next due: 2027-01-05
Last made up to: 2025-04-05
Confirmation statement
Next due: 2026-06-15
Last: 2025-06-01

Officers (1 active · 0 resigned)

BRODIE, Steven Ben
director · ~74y · appointed 2019-06-03
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Ubs Ag
A registered charge05/08/202102/06/2025

Recent filings (20 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-02
mortgage-satisfy-charge-full
mortgage · MR04
2025-06-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-03
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-01-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-23
change-account-reference-date-company-current-shortened
accounts · AA01
2022-02-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-08-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-07