C & M MATHER LIMITED
Opportunity 77/100 (strong), bankability 62/100. Strong seller-intent signal (60/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
7 live charges · 4 lenders · oldest 12.1y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 12.1 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover 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 |
|---|---|---|
| Total assets | £5.93M | £5.48M |
| Current assets | £614.5k | £377.9k |
| Cash | £313.2k | £34.9k |
| Debtors | £301.3k | £343.0k |
| Net assets | £5.65M | £5.44M |
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
Corporate timeline (29 events)Click to expand
- 2025-10-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-25🔒Charge registered #7Lender: Geocore (Kellwood) Limited
- 2024-07-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-25🔒Charge registered #6Lender: Handelsbanken PLC as Security Trustee for and on Behalf of the Secured Parties (As Defined in the Instrument Evidencing the Charge Accompanying This Form MR01
- 2024-06-18🔒Charge registered #5Lender: Handelsbanken PLC as Security Trustee for and on Behalf of the Secured Parties as Such Term is Defined in the Instrument Evidencing the Charge Accompanying This Form MR01.
- 2023-11-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-12-17🔓Charge satisfied #4
- 2021-11-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-10-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-10-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-10-22🔓Charge satisfied #3
- 2021-10-22🔓Charge satisfied #2
- 2021-10-22🔓Charge satisfied #1
- 2020-11-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-12-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2014-05-13🔒Charge registered #4Lender: Barclays Bank PLC
- 2014-05-13🔒Charge registered #3Lender: Barclays Bank PLC
- 2014-05-13🔒Charge registered #2Lender: Barclays Bank PLC
- 2014-03-20🔒Charge registered #1Lender: Barclays Bank PLC
- 1997-04-20➖MATHER, Janet Dorothy resigneddirector
- 1922-04-25🏢Company incorporatedAs C & M MATHER LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "MATHER" — strong identity link between founder and business.
- +Founder age: Director aged approximately 69 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 104 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Mather Property Development Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Christopher Ian Mather Individual · British · DOB 06/1960 · age 66 | 75–100% | 75–100% | board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · firm interest | 06/04/2016 |
Mather Property Development Limited Corporate entity | 75–100% | 75–100% | board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence | 06/04/2016 |
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.
See pricing →Similar companies
Active · Property · DG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BEER WITHOUT BORDERS LIMITED→ SC613331 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BORDER VALLEYS HOLDINGS LTD→ SC858145 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BYDAND PROPERTIES LTD→ SC839779 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| C & L SAVIN LIMITED→ SC833339 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CAMPBELL & CLARK (FARMERS) LIMITED→ SC043133 · est 1966 · no financials extracted | — | — | — | — | 60y | — | — |
| CARFIELD LTD→ SC628054 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CARGEN TOWER LIMITED→ SC252204 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| CASTLE MILK NOMINEES LIMITED→ SC212861 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| CATHERINEFIELD PROPERTIES LTD→ SC388898 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| CC SUITES LTD→ SC796272 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| CK PROPERTY CONSULTANTS LTD→ SC627062 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CLOSEBURN NORTH LIMITED→ SC404954 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
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 →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 (3 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Geocore (Kellwood) Geocore (Kellwood) Limited | A registered charge | 1 property | 25/07/2024 | — | |
| outstanding | Handelsbanken as Security Trustee for and on Behalf of the Secured Parties (As Defined in the Instrument Evidencing the Charge Accompanying This Form MR01 Handelsbanken PLC as Security Trustee for and on Behalf of the Secured Parties (As Defined in the Instrument Evidencing the Charge Accompanying This Form MR01 | A registered charge | 1 property | 25/06/2024 | — | |
| outstanding | Handelsbanken as Security Trustee for and on Behalf of the Secured Parties as Such Term is Defined in the Instrument Evidencing the Charge Accompanying This Form MR01. Handelsbanken PLC as Security Trustee for and on Behalf of the Secured Parties as Such Term is Defined in the Instrument Evidencing the Charge Accompanying This Form MR01. | A registered charge | — | 18/06/2024 | — | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | 1 property | 13/05/2014 | 17/12/2021 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | 1 property | 13/05/2014 | 22/10/2021 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | 1 property | 13/05/2014 | 22/10/2021 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | 1 property | 20/03/2014 | 22/10/2021 |