TLK TRADING LTD

🏛️Establishedactive
SC663811 · ltd · incorporated 2020-06-11
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 75/100 (strong), bankability 57/100. 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

8 live charges · 3 lenders · oldest 4.7y

25/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Charge age ~4.7 years — mid-life; refi window approaching.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
23 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
55
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Average employees500300

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

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2026-03-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-08-07
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2024-08-05
    🔒
    Charge registered #8
    Lender: Together Commercial Finance Limited
  5. 2023-11-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2023-03-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-11-28
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2022-11-26
    🔒
    Charge registered #7
    Lender: Together Commercial Finance LTD
  9. 2022-11-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2022-11-22
    🔒
    Charge registered #6
    Lender: Together Commercial Finance LTD
  11. 2022-07-19
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  12. 2022-04-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2022-04-26
    🔒
    Charge registered #5
    Lender: The Mortgage Works (UK) PLC
  14. 2022-03-17
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2022-03-17
    🔒
    Charge registered #4
    Lender: Together Commercial Finance Limited
  16. 2022-03-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2022-01-20
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  18. 2022-01-19
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2021-10-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  20. 2021-10-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2021-10-07
    🔒
    Charge registered #3
    Lender: Together Commercial Finance Limited
  22. 2021-10-07
    🔒
    Charge registered #2
    Lender: Together Commercial Finance Limited
  23. 2021-10-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2021-09-29
    🔒
    Charge registered #1
    Lender: Together Commercial Finance Limited
  25. 2021-02-24
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  26. 2020-12-01
    ➕
    FERRIGAN, John Grant Drummond appointed
    director
  27. 2020-06-11
    🏢
    Company incorporated
    As TLK TRADING LTD
  28. 2020-06-11
    ➕
    FERRIGAN, Lesley-Anne appointed
    director
  29. 2020-06-11
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

79/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +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.
  • +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • 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

1 low
8 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr John Grant Drummond Ferrigan
Individual · British · DOB 06/1966 · age 60
50–75%
50–75%50-75% shares · 50-75% voting19/01/2022
Mrs Lesley-Anne Ferrigan
Individual · British · DOB 11/1965 · age 61
25–50%
25–50%25-50% shares · 25-50% voting11/06/2020

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

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 →
🔒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
Incorporated2020-06-11
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

Brucehaven Farm
Limekilns
Dunfermline
Fife
KY11 3DX
Scotland

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-06-24
Last: 2025-06-10

Officers (2 active · 0 resigned)

FERRIGAN, John Grant Drummond→
director · ~60y · appointed 2020-12-01
View their other companies + combined net worth →
Active
FERRIGAN, Lesley-Anne→
director · ~61y · appointed 2020-06-11
View their other companies + combined net worth →
Active

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

Mortgages & charges

8
Total charges
8
Outstanding
2
Active lenders
Status:Lender:8 of 8 shown
TypeProperties
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property05/08/2024—
outstanding
Together Money
Together Commercial Finance LTD
A registered charge1 property26/11/2022—
outstanding
Together Money
Together Commercial Finance LTD
A registered charge—22/11/2022—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property26/04/2022—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge2 properties17/03/2022—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property07/10/2021—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property07/10/2021—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge—29/09/2021—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (23 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-11
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-19
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-13
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-11-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-11-24
certificate-change-of-name-company
change-of-name · CERTNM
2022-07-19
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-04-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-17
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-09