PAIRC CROFTERS LIMITED

🌳Matureactive
SC013252 · ltd · incorporated 1924-07-11
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 22.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£114.6k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Asset-holding vehicle with a 73-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 73). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 22.3y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 22.3 years old — likely at or near maturity.
  • · 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.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 6 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
101 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

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 →
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £114,630

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£115k
~ YoY
Current Assets
£27k
~ YoY
Current Liabilities
—
£0£23k£46k£69k£92k£115kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£114.6k£114.6k
Current assets£27.1k£27.1k
Net assets£114.6k£114.6k

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-01-21
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  2. 2026-01-12
    ➖
    SEARLE, Alan Martin resigned
    director
  3. 2025-09-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-09-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-09-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-09-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-01-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-09-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-09-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-10-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2016-09-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-04-11
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2016-02-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2016-02-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2016-02-10
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  17. 2016-02-08
    ➕
    LOMAS, Matilda May Emm appointed
    secretary
  18. 2016-02-08
    ➖
    FRASER, Simon Andrew resigned
    secretary
  19. 2015-12-05
    🔓
    Charge satisfied #1
  20. 2014-04-26
    ➕
    LOMAS, Matilda May Emm appointed
    director
  21. 2005-09-23
    ➖
    LOMAS, Sheila resigned
    director
  22. 2004-02-04
    🔒
    Charge registered #1
    Lender: Sse Generation Limited
  23. 2003-09-30
    ➖
    LOMAS, Godfrey Neil Young resigned
    director
  24. 2003-08-17
    ➖
    LOMAS, John Leslie Venables resigned
    director
  25. 2003-04-03
    ➕
    SEARLE, Alan Martin appointed
    director
  26. 1924-07-11
    🏢
    Company incorporated
    As PAIRC CROFTERS LIMITED

Owner dependency

81/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 73 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

89/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 12 years.
  • secondaryStable-but-static management: Company is 102 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Barry John Young Lomas
Individual · British · DOB 03/1953 · age 73
—75–100%75-100% voting01/07/2016

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

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

7 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
Incorporated1924-07-11
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Kyles Lodge
Glen Kyles
Isle Of Harris
HS5 3TY
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-01-21
Last: 2026-01-07

Officers (3 active · 5 resigned)

LOMAS, Matilda May Emm→
secretary · appointed 2016-02-08
View their other companies + combined net worth →
Active
LOMAS, Barry John Young→
director · ~73y
View their other companies + combined net worth →
Active
LOMAS, Matilda May Emm→
director · ~36y · appointed 2014-04-26
View their other companies + combined net worth →
Active
FRASER, Simon Andrew→
secretary · resigned 2016-02-08
Resigned
LOMAS, Godfrey Neil Young→
director · ~70y · resigned 2003-09-30
Resigned
LOMAS, John Leslie Venables→
director · ~102y · resigned 2003-08-17
Resigned
LOMAS, Sheila→
director · ~105y · resigned 2005-09-23
Resigned
SEARLE, Alan Martin→
director · ~73y · appointed 2003-04-03 · resigned 2026-01-12
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Sse Generation
Sse Generation Limited
Standard security1 property04/02/200405/12/2015

Recent filings (101 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-22
termination-director-company-with-name-termination-date
officers · TM01
2026-01-21
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-23
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-18
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-11
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-30
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-27
accounts-with-accounts-type-micro-entity
accounts · AA
2019-09-25