S & C BICHAN LTD
- · Oldest live charge 3.4y old — refinance window within 12 months
- 47990Other retail sale not in stores, stalls or markets
Opportunity 77/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
1 live charge · oldest 3.4y
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~3.4 years — mid-life; refi window approaching.
- · 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 | 4 | 400 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
Corporate timeline (13 events)Click to expand
- 2025-12-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-12-12🔒Charge registered #1Lender: Clydesdale Bank PLC (Trading as Virgin Money) (Company Number SC001111)
- 2022-09-13🏢Company incorporatedAs S & C BICHAN LTD
- 2022-09-13➕BAILEY, Kirsty Myrtle appointeddirector
- 2022-09-13➕BICHAN, Catherine Mary appointeddirector
- 2022-09-13➕BICHAN, David Christopher appointeddirector
- 2022-09-13➕BICHAN, Scott Kieran appointeddirector
- 2022-09-13➕BICHAN, Sydney John Eunson appointeddirector
- 2022-09-13📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2022-09-13📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "BICHAN" — strong identity link between founder and business.
- +Founder age: Director aged approximately 80 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
No meaningful acquirability indicators from public data.
- primaryFamily succession underway: Not a takeover target — BICHAN, David Christopher (same surname) appointed 2022-09-13. Pattern consistent with intra-family handover.
- primaryFounder aged 70+: Senior director is approximately 80 years old. Natural succession window is now.
Red flags
cleanShareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David Christopher Bichan Individual · British · DOB 05/1978 · age 48 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 13/09/2022 |
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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8 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 (5 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) (Company Number SC001111) | A registered charge | — | 12/12/2022 | — |