CARDOWAN CREAMERIES LIMITED
🌳Matureactive
SC016247 · ltd · incorporated 1930-12-22
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
65/100
Strong
What this business does
Primary activity: SIC 10410
Sector: Manufacturing
Investor take
PursueActive trading company. Reasonable fundamentals — worth a memo before deciding.
Opportunity 65/100 (strong), bankability 57/100. Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (50/100).
🏦
Refinance opportunity
12 live charges · 9 lenders · oldest 18.4y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 18.4 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)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
12 charges (12/12 with lender, 12/12 with type)
90
Directors & officers
11 officers (4 active, 11 linked, 7 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
145 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
65/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (54 events)Click to expand
- 2025-09-11📄accounts-with-accounts-type-fullaccounts · AA
- 2025-07-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-31🔓Charge satisfied #6
- 2025-07-31🔓Charge satisfied #5
- 2025-07-31🔓Charge satisfied #4
- 2025-07-31🔓Charge satisfied #3
- 2025-06-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-03🔒Charge registered #12Lender: National Westminster Bank PLC as Security Agent
- 2025-06-03🔒Charge registered #11Lender: Hsbc Invoice Finance (UK) Limited as Security Agent
- 2025-05-29📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2025-05-29📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2025-05-12📄memorandum-articlesincorporation · MA
- 2025-05-12📄resolutionresolution · RESOLUTIONS
- 2025-05-08📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-05-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-05-08📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2025-05-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-02📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2025-05-02📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2025-04-30➕LARGE, Simone Louise appointedsecretary
- 2025-04-30➕GEORGE, Michael David appointeddirector
- 2025-04-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-30🔒Charge registered #10Lender: Hsbc Invoice Finance (UK) Limited (as Security Agent)
- 2025-04-30🔒Charge registered #9Lender: National Westminster Bank PLC (As the Security Agent)
- 2025-04-30🔒Charge registered #8Lender: National Westminster Bank PLC (As Security Agent)
- 2025-04-30🔒Charge registered #7Lender: Hsbc Invoice Finance (UK) Limited (as Security Agent)
- 2025-03-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-07-10📄accounts-with-accounts-type-fullaccounts · AA
- 2023-11-21➖MCGHEE, Lesley Joan resignedsecretary
- 2023-09-01🔒Charge registered #6Lender: Wells Fargo Capital Finance (UK) Limited (as Security Trustee)
- 2023-09-01🔒Charge registered #5Lender: Wells Fargo Capital Finance (UK) Limited (as Security Trustee)
- 2023-09-01🔒Charge registered #4Lender: Endless LLP as Security Trustee
- 2023-09-01🔒Charge registered #3Lender: Endless LLP as Security Trustee
- 2023-06-09🔓Charge satisfied #2
- 2023-03-16➕MEHTA, Paresh Kumar appointeddirector
- 2023-03-16➕WARD, Mark Andrew appointeddirector
- 2023-03-16➖KYLE, John Andrew resigneddirector
- 2022-06-01🔒Charge registered #2Lender: Rbs Invoice Finance LTD
- 2009-03-10🔓Charge satisfied #1
- 2007-11-20🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1999-12-31➖MCCARTHY, Jospeh resigneddirector
- 1999-12-31➖MCGHEE, Lesley Joan resigneddirector
- 1994-12-29➕MCGHEE, Lesley Joan appointeddirector
- 1994-08-29➖KYLE, Andrew Brown resigneddirector
Showing most recent 50 of 54 events
Owner dependency
50/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
2 med · 1 low6 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-06-03: A registered charge; 2025-06-03: A registered charge; 2025-04-30: A registered charge
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
6 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
K.T.C (Edibles) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
K.T.C (Edibles) Limited
Corporate parent · holds 75-100% shares · board control
⬇
CARDOWAN CREAMERIES LIMITED
This company · SC016247
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
K.T.C (Edibles) Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 16/03/2023 |
1 historic (ceased) PSC
- Mr John Andrew Kyleceased 16/03/2023· 75-100% shares
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 →Similar companies
Active · Food & drink · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A P JESS (PAISLEY) LTD.→ SC157144 · est 1995 · no financials extracted | — | — | — | — | 31y | — | — |
| ALPHA LINKS LIMITED→ SC842727 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BESPOKE WAFERS LIMITED→ SC811580 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BLOCK, GREY AND BLOCK LIMITED→ SC172241 · est 1997 · no financials extracted | — | — | — | — | 29y | — | — |
| BORGO ITALIA LTD→ SC828295 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BRAE SCOTLAND LIMITED→ SC866286 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BREAD AND BUNS LTD→ SC843482 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BURN STEWART (U.S. HOLDINGS) LIMITED→ SC209060 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| CES WHISKY LIMITED→ SC135381 · est 1991 · no financials extracted | — | — | — | — | 34y | — | — |
| CEYLONESS LTD→ SC877709 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CHRYSTAL'S SHORTBREAD LTD→ SC563385 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| CLASSY SNAX LIMITED→ SC272224 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated1930-12-22
Jurisdictionscotland
Primary SIC10410 — SIC 10410
Registered office
49 Holywell Street
Glasgow
G31 4BT
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-04-16
Last: 2026-04-02
Officers (4 active · 7 resigned)
LARGE, Simone Louise→
Activesecretary · appointed 2025-04-30
View their other companies + combined net worth →
GEORGE, Michael David→
Activedirector · ~53y · appointed 2025-04-30
View their other companies + combined net worth →
MEHTA, Paresh Kumar→
Activedirector · ~54y · appointed 2023-03-16
View their other companies + combined net worth →
WARD, Mark Andrew→
Activedirector · ~57y · appointed 2023-03-16
View their other companies + combined net worth →
JOHNSTON, Mary Valerie→
Resignedsecretary · resigned 1990-07-02
MCGHEE, Lesley Joan→
Resignedsecretary · appointed 1990-07-02 · resigned 2023-11-21
JOHNSTON, Mary Valerie→
Resigneddirector · resigned 1990-08-31
KYLE, Andrew Brown→
Resigneddirector · ~104y · resigned 1994-08-29
KYLE, John Andrew→
Resigneddirector · ~70y · resigned 2023-03-16
MCCARTHY, Jospeh→
Resigneddirector · ~99y · resigned 1999-12-31
MCGHEE, Lesley Joan→
Resigneddirector · ~68y · appointed 1994-12-29 · resigned 1999-12-31
Click a director name to see their full track record across all companies.
Mortgages & charges
12
Total charges
6
Outstanding
4
Active lenders
Status:Lender:12 of 12 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank as Security Agent National Westminster Bank PLC as Security Agent | A registered charge | 4 properties | 03/06/2025 | — | |
| outstanding | HSBC Hsbc Invoice Finance (UK) Limited as Security Agent | A registered charge | 4 properties | 03/06/2025 | — | |
| outstanding | HSBC Hsbc Invoice Finance (UK) Limited (as Security Agent) | A registered charge | — | 30/04/2025 | — | |
| outstanding | National Westminster Bank (As the Security Agent) National Westminster Bank PLC (As the Security Agent) | A registered charge | — | 30/04/2025 | — | |
| outstanding | National Westminster Bank (As Security Agent) National Westminster Bank PLC (As Security Agent) | A registered charge | — | 30/04/2025 | — | |
| outstanding | HSBC Hsbc Invoice Finance (UK) Limited (as Security Agent) | A registered charge | — | 30/04/2025 | — | |
| satisfied | Wells Fargo Capital Finance (UK) (as Security Trustee) Wells Fargo Capital Finance (UK) Limited (as Security Trustee) | A registered charge | — | 01/09/2023 | 31/07/2025 | |
| satisfied | Wells Fargo Capital Finance (UK) (as Security Trustee) Wells Fargo Capital Finance (UK) Limited (as Security Trustee) | A registered charge | — | 01/09/2023 | 31/07/2025 | |
| satisfied | Endless as Security Trustee Endless LLP as Security Trustee | A registered charge | — | 01/09/2023 | 31/07/2025 | |
| satisfied | Endless as Security Trustee Endless LLP as Security Trustee | A registered charge | — | 01/09/2023 | 31/07/2025 | |
| satisfied | NatWest Group Rbs Invoice Finance LTD | A registered charge | — | 01/06/2022 | 09/06/2023 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 20/11/2007 | 10/03/2009 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (145 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-09
accounts-with-accounts-type-full
accounts · AA
2025-09-11
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-05
mortgage-alter-floating-charge-with-number
mortgage · 466(Scot)
2025-05-29
mortgage-alter-floating-charge-with-number
mortgage · 466(Scot)
2025-05-29
memorandum-articles
incorporation · MA
2025-05-12
resolution
resolution · RESOLUTIONS
2025-05-12
appoint-person-secretary-company-with-name-date
officers · AP03
2025-05-08
appoint-person-director-company-with-name-date
officers · AP01
2025-05-08
change-account-reference-date-company-current-extended
accounts · AA01
2025-05-08