CURRENT COMMERCIALS LIMITED
Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 72). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 1.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.7 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)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 · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 1 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
4 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 accounts
Corporate timeline (15 events)Click to expand
- 2025-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-21📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-09-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-02🔒Charge registered #1Lender: Bank of Scotland PLC
- 2024-03-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-07📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-08-07📄resolutionresolution · RESOLUTIONS
- 2019-07-16📄resolutionresolution · RESOLUTIONS
- 2019-06-28🏢Company incorporatedAs CURRENT COMMERCIALS LIMITED
- 2019-06-28➕FINNIE, Craig appointeddirector
- 2019-06-28➕FINNIE, James appointeddirector
- 2019-06-28📄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.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 72 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +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 70+: Senior director is approximately 72 years old. Natural succession window is now.
- 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 James Finnie Individual · British · DOB 04/1954 · age 72 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/06/2019 |
Mr Craig Finnie Individual · British · DOB 01/1976 · age 50 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/06/2019 |
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.
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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 →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 · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 02/09/2024 | — |