CARFIN CONSULT LTD

🏛️Establishedactive

SC676738 · ltd · incorporated 2020-10-06

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Sept 2025

Net worth

£40.4k

book net assets

Opportunity

77/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Engineering related scientific and technical consulting activities

Sector: Professional, scientific & technical

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 77/100 (strong), bankability 75/100. 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).

Data confidence

Overall: medium (78/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

12 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £40,417

Cash YoY

+61%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£62k

↑ 61% YoY

Net Worth

£40k

↑ 54% YoY

Current Assets

£78k

↑ 50% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-09-30	2024-09-30
Total assets	£40.4k	£26.2k
Current assets	£77.9k	£52.0k
Cash	£62.1k	£38.5k
Debtors	£15.8k	£13.5k
Net assets	£40.4k	£26.2k

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

🔒Filing-note intelligence

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

Last 30 days

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (10 events)Click to expand

2026-03-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-06
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-30
📄
change-account-reference-date-company-current-shortened
accounts · AA01
2020-10-06
🏢
Company incorporated
As CARFIN CONSULT LTD
2020-10-06
➕
PATERSON, Grant James appointed
director
2020-10-06
➕
PATERSON, Karen Millicent appointed
director
2020-10-06
📄
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 58 — 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 58. Early succession window.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Grant James Paterson Individual · British · DOB 09/1968 · age 58	25–50%	—	25-50% shares	06/10/2020
Mrs Karen Millicent Paterson Individual · British · DOB 12/1972 · age 54	25–50%	—	25-50% shares	06/10/2020

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Professional services · DD postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AMZTEC ACCOUNTING LTD→ SC621522 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
BRIANDUNBARSERVICES LTD→ SC829932 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
CAMPBELL ENGINEERING SERVICES LTD→ SC868122 · est 2025 · no financials extracted	—	—	—	—	—	—	—
CASONELL INVESTMENTS LTD→ SC630633 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
CASS N CO LIMITED→ SC354354 · est 2009 · no financials extracted	—	—	—	—	17y	—	—
CASTLE PARK ENGINEERING LTD→ SC738785 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
CBE MEASUREMENT ENGINEERING LTD→ SC538753 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
CEPHAS PROJECT MANAGEMENT LIMITED→ SC334654 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
CHANGE FRAMEWORKS LTD→ SC648442 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
CHARLIE HEENAN ARCHITECTURE & DESIGN LTD→ SC777501 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
CHEMVEDA LIFE SCIENCES LTD→ SC875035 · est 2026 · no financials extracted	—	—	—	—	—	—	—
CHESTERS INSPECTION SERVICES LIMITED→ SC416019 · est 2012 · no financials extracted	—	—	—	—	14y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

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 →

🔒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

Incorporated2020-10-06

Jurisdictionscotland

Primary SIC71122 — Engineering related scientific and technical consulting activities

Registered office

12 Traill Drive

Montrose

Angus

DD10 8SW

Scotland

Filing status

Accounts

Next due: 2027-06-30

Last made up to: 2025-09-30

Confirmation statement

Next due: 2026-10-19

Last: 2025-10-05

Officers (2 active · 0 resigned)

PATERSON, Grant James→

director · ~58y · appointed 2020-10-06

View their other companies + combined net worth →

Active

PATERSON, Karen Millicent→

director · ~54y · appointed 2020-10-06

View their other companies + combined net worth →

Active

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