C&L EVERGREEN LIMITED
🌿Early-stageactive
SC726192 · ltd · incorporated 2022-03-14
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 3.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
67/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 67/100 (strong), bankability 60/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
6 live charges · 2 lenders · oldest 3.7y
60/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Charge age ~3.7 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
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
75
Lenders & charges
6 charges (6/6 with lender, 6/6 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
14 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
50
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 200 | 200 |
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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2025-12-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-27🔒Charge registered #6Lender: The Mortgage Works (UK) PLC
- 2025-03-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-24🔒Charge registered #5Lender: The Morgage Works (UK) PLC
- 2024-12-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-18🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2023-12-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-20🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2023-02-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-16🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2022-08-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-15🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2022-03-14🏢Company incorporatedAs C&L EVERGREEN LIMITED
- 2022-03-14➕CHENG, Chor Shan appointeddirector
- 2022-03-14➕LIM, Li Ching appointeddirector
- 2022-03-14📄incorporation-companyincorporation · NEWINC
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
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
1 low6 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Li Ching Lim Individual · Singaporean · DOB 03/1969 · age 57 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 14/03/2022 |
Mr Chor Shan Cheng Individual · British · DOB 10/1969 · age 57 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 14/03/2022 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| IVY PROPERTIES (SCOTLAND) LIMITED→ SC828222 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| JAMES S. WHITE LTD→ SC583833 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| JAMIL ESTATE LIMITED→ SC809399 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| JDBS PROPERTIES LTD→ SC517829 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| JEKC LTD→ SC514751 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| JESS AND JINX LTD→ SC685768 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2022-03-14
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
3 High Street
Kinross
KY13 8AW
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-27
Last: 2026-03-13
Officers (2 active · 0 resigned)
CHENG, Chor Shan→
Activedirector · ~57y · appointed 2022-03-14
View their other companies + combined net worth →
LIM, Li Ching→
Activedirector · ~57y · appointed 2022-03-14
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
6
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 27/10/2025 | — | |
| outstanding | The Morgage Works (UK) The Morgage Works (UK) PLC | A registered charge | 1 property | 24/02/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 18/07/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 20/02/2023 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 16/02/2023 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 15/08/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (14 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-25
incorporation-company
incorporation · NEWINC
2022-03-14