CAD - COMMERCIAL AND DEVELOPMENT LTD
🏛️Establishedactive
SC688987 · ltd · incorporated 2021-02-12
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 3.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 80/100. 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 (58/100).
🏦
Refinance opportunity
1 live charge · oldest 3.5y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~3.5 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (56/100)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
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 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
Network not yet resolved
30
Filing history
16 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
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 (14 events)Click to expand
- 2025-12-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-11-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-11-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-11-15➕CARBERRY, Stephanie Tracey appointeddirector
- 2022-11-08📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-11-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-29🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2021-03-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-02-12🏢Company incorporatedAs CAD - COMMERCIAL AND DEVELOPMENT LTD
- 2021-02-12➕CARBERRY, Paul Martin appointeddirector
- 2021-02-12📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
High — earn-out structure requiredMaterial 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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 5 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo 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 |
|---|---|---|---|---|
Mrs Stephanie Tracey Carberry Individual · British · DOB 07/1992 · age 34 | 25–50% | — | 25-50% shares | 15/11/2022 |
Mr Paul Martin Carberry Individual · British · DOB 11/1992 · age 34 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 12/02/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| KC PROPERTIES GROUP LTD→ SC830331 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| KCM PROPERTIES (SCOTLAND) LTD→ SC682749 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| KDC CLYDEBANK LIMITED→ SC683470 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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| KEAL PROPERTY'S LIMITED→ SC760997 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| KEDDYCORP LIMITED→ SC870871 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| KEENAN HOMES LTD→ SC777290 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| KELBERT LTD→ SC875690 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| KELDHEAD AVENUE PROPERTIES LTD→ SC882777 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| KELEI PROPERTIES LIMITED→ SC486429 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| KELVIN MEADOWS LTD→ SC545174 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| KELVIN PROPERTIES (KELBOURNE) LTD→ SC620277 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2021-02-12
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
15 Hamilton Grove
Glasgow
G32 9QL
Scotland
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2026-11-24
Last: 2025-11-10
Officers (2 active · 0 resigned)
CARBERRY, Paul Martin→
Activedirector · ~34y · appointed 2021-02-12
View their other companies + combined net worth →
CARBERRY, Stephanie Tracey→
Activedirector · ~34y · appointed 2022-11-15
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 29/10/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (16 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-13
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-08-21
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-16
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-11-16
appoint-person-director-company-with-name-date
officers · AP01
2022-11-16
accounts-with-accounts-type-dormant
accounts · AA
2022-11-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-11-04
confirmation-statement-with-updates
confirmation-statement · CS01
2022-08-05
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-03-11