ANDERSON COMMERCIAL LTD
🌳Matureactive
SC024246 · ltd · incorporated 1946-06-12
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 75/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
34 live charges · 6 lenders · oldest 44.0y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 44.0 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 55/100 (high).
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
34 charges (34/34 with lender, 34/34 with type)
90
Directors & officers
16 officers (4 active, 16 linked, 11 with DOB)
84
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
166 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 officers
Last 180 days
1
filing
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (95 events)Click to expand
- 2026-02-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-01-01➕COLBOURNE, James Charles George Anderson appointeddirector
- 2025-07-09📄accounts-with-accounts-type-smallaccounts · AA
- 2024-07-09📄accounts-with-accounts-type-smallaccounts · AA
- 2023-11-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-10-31➖DRAKE, Laurence Roger resigneddirector
- 2023-07-10📄accounts-with-accounts-type-smallaccounts · AA
- 2023-07-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-07-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-07-01➕DRAKE, Laurence Roger appointeddirector
- 2023-07-01➖JAMIESON, Andrew Ross resigneddirector
- 2023-04-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-12-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-12-21🔒Charge registered #34Lender: Hsbc UK Bank PLC
- 2022-09-29📄accounts-with-accounts-type-smallaccounts · AA
- 2022-05-17✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2021-09-28📄accounts-with-accounts-type-smallaccounts · AA
- 2021-07-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-07-29🔓Charge satisfied #32
- 2021-05-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-05-12🔓Charge satisfied #30
- 2021-03-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-03-03🔓Charge satisfied #27
- 2021-01-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-16🔓Charge satisfied #31
- 2020-12-31📄accounts-with-accounts-type-smallaccounts · AA
- 2020-11-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-11-28🔓Charge satisfied #33
- 2020-10-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-10-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-10-16🔒Charge registered #33Lender: Hsbc UK Bank PLC
- 2020-10-16🔒Charge registered #32Lender: Hsbc UK Bank PLC
- 2020-10-16🔒Charge registered #31Lender: Hsbc UK Bank PLC
- 2020-10-16🔒Charge registered #30Lender: Hsbc UK Bank PLC
- 2020-10-16🔒Charge registered #29Lender: Hsbc UK Bank PLC
- 2020-07-01➖WARD, Timothy resigneddirector
- 2020-01-01➕JAMIESON, Andrew Ross appointeddirector
- 2019-01-16➕HEMINGWAY, James Patrick appointeddirector
- 2018-08-24➕HEMINGWAY, James Patrick appointedsecretary
- 2018-08-24➖BROOKS, Robert Paul resignedsecretary
- 2018-08-15➕WARD, Timothy appointeddirector
- 2018-06-19🔒Charge registered #28Lender: Hsbc Bank PLC
- 2017-06-12🔒Charge registered #27Lender: Hsbc Bank PLC
- 2017-06-12🔒Charge registered #26Lender: Hsbc Bank PLC
- 2017-06-12🔒Charge registered #25Lender: Hsbc Bank PLC
- 2017-06-12🔒Charge registered #24Lender: Hsbc Bank PLC
- 2017-06-12🔒Charge registered #23Lender: Hsbc Bank PLC
- 2017-06-12🔒Charge registered #22Lender: Hsbc Bank PLC
- 2017-05-27🔓Charge satisfied #14
- 2017-05-27🔓Charge satisfied #13
Showing most recent 50 of 95 events
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Founder name in company name: Company name contains director surname "ANDERSON" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
16 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 Jillian Marion Mark Individual · British · DOB 02/1970 · age 56 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2017 |
Mr Samuel Irvine Anderson Individual · British · DOB 01/1971 · age 55 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2017 |
1 historic (ceased) PSC
- Miss Helena Andersonceased 10/10/2022· 25-50% shares · 25-50% voting
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.
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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
Incorporated1946-06-12
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
First Floor Maxim Business Park Maxim 1 2 Parklands Way
Eurocentral
Motherwell
ML1 4WR
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-06-25
Last: 2025-06-11
Officers (4 active · 12 resigned)
HEMINGWAY, James Patrick→
Activesecretary · appointed 2018-08-24
View their other companies + combined net worth →
ANDERSON, Samuel Irvine→
Activedirector · ~55y · appointed 2005-10-24
View their other companies + combined net worth →
COLBOURNE, James Charles George Anderson→
Activedirector · ~54y · appointed 2026-01-01
View their other companies + combined net worth →
HEMINGWAY, James Patrick→
Activedirector · ~60y · appointed 2019-01-16
View their other companies + combined net worth →
ANDERSON, Isabella Mason Graham→
Resignedsecretary · resigned 2002-03-03
ANDERSON, Jennifer Isabella→
Resignedsecretary · appointed 2002-03-04 · resigned 2014-09-11
BROOKS, Robert Paul→
Resignedsecretary · appointed 2014-09-11 · resigned 2018-08-24
ANDERSON, Isabella Mason Graham→
Resigneddirector · ~115y · resigned 2002-03-03
ANDERSON, Jennifer Isabella→
Resigneddirector · ~54y · appointed 2005-10-24 · resigned 2014-09-11
ANDERSON, Peter Irvine→
Resigneddirector · ~75y · resigned 2005-10-22
ANDERSON, Samuel→
Resigneddirector · ~118y · resigned 2001-02-23
ANDERSON, Samuel Stewart→
Resigneddirector · ~85y · resigned 2012-02-27
DRAKE, Laurence Roger→
Resigneddirector · ~52y · appointed 2023-07-01 · resigned 2023-10-31
JAMIESON, Andrew Ross→
Resigneddirector · ~61y · appointed 2020-01-01 · resigned 2023-07-01
WARD, Timothy→
Resigneddirector · ~66y · appointed 2018-08-15 · resigned 2020-07-01
WINNING, William→
Resigneddirector · resigned 1990-06-20
Click a director name to see their full track record across all companies.
Mortgages & charges
34
Total charges
16
Outstanding
2
Active lenders
Status:Lender:34 of 34 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 2 properties | 21/12/2022 | — | |
| satisfied | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 16/10/2020 | 28/11/2020 | |
| satisfied | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 16/10/2020 | 29/07/2021 | |
| satisfied | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 16/10/2020 | 16/01/2021 | |
| satisfied | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 16/10/2020 | 12/05/2021 | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 16/10/2020 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 19/06/2018 | — | |
| satisfied | HSBC Hsbc Bank PLC | A registered charge | 1 property | 12/06/2017 | 03/03/2021 | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 12/06/2017 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 12/06/2017 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 12/06/2017 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 12/06/2017 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 12/06/2017 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 23/05/2017 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 23/05/2017 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 23/05/2017 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 23/05/2017 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 23/05/2017 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 2 properties | 23/05/2017 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | — | 23/05/2017 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 22/05/2012 | 27/05/2017 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 21/05/2012 | 27/05/2017 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Legal charge | 1 property | 17/05/2012 | 27/05/2017 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Legal charge | 1 property | 31/12/2008 | 27/05/2017 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 16/12/2008 | 27/05/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 05/07/2005 | 27/05/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 05/07/2005 | 27/05/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 05/07/2005 | 27/05/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 1 property | 04/07/2005 | 27/05/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 1 property | 24/06/2005 | 27/05/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 1 property | 24/06/2005 | 27/05/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 2 properties | 24/06/2005 | 27/05/2017 | |
| outstanding | Scottish Power Scottish Power PLC | Standard security | 1 property | 04/04/1997 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 06/05/1982 | 29/08/1997 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (166 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-02-02
accounts-with-accounts-type-small
accounts · AA
2025-07-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-12
accounts-with-accounts-type-small
accounts · AA
2024-07-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-12
termination-director-company-with-name-termination-date
officers · TM01
2023-11-02
accounts-with-accounts-type-small
accounts · AA
2023-07-10
termination-director-company-with-name-termination-date
officers · TM01
2023-07-03
appoint-person-director-company-with-name-date
officers · AP01
2023-07-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-12
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-04-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-12-22
accounts-with-accounts-type-small
accounts · AA
2022-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-13
certificate-change-of-name-company
change-of-name · CERTNM
2022-05-17