CHAP (HOLDINGS) LIMITED

🌳Matureactive
SC059461 · ltd · incorporated 1976-02-23
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
🔔
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What this business does
Primary activity: Activities of head offices
Sector: Professional, scientific & technical
Investor take
Pursue
Active trading company with a 72-year-old founder — textbook succession opportunity.

Opportunity 76/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 72). 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 (65/100).

🏦

Refinance opportunity

17 live charges · 6 lenders · oldest 48.4y

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 48.4 years old — likely at or near maturity.
  • · 6 lenders named — inter-creditor friction likely.
  • · Legal-friction score 45/100 (high).

Data confidence

Overall: high (83/100)

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
17 charges (17/17 with lender, 17/17 with type)
90
Directors & officers
24 officers (4 active, 24 linked, 16 with DOB)
83
Ownership & PSC
0 active PSC(s) of 1 total, 1 with control declared
90
Director network
23 connected companies via shared directors
90
Filing history
209 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Sept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-09-302024-09-30
Average employees400300

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

🔒Filing-note intelligence

5 signals 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

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 address
Last 180 days
4
filings
  • • 2 mortgage
  • • 1 address
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (91 events)Click to expand
  1. 2026-03-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2026-02-24
    📄
    accounts-with-accounts-type-group
    accounts · AA
  3. 2026-02-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2026-02-09
    🔒
    Charge registered #18
    Lender: Santander UK PLC (As Security Trustee for Each of Itself and Each Secured Party)
  5. 2025-12-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2025-12-22
    🔒
    Charge registered #17
    Lender: Santander UK PLC (As Security Trustee for Each of Itself and Each Secured Party)
  7. 2025-04-30
    📄
    capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
    capital · SH04
  8. 2025-03-19
    📄
    accounts-with-accounts-type-group
    accounts · AA
  9. 2025-01-23
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2025-01-15
    ➖
    CRAIGIE, Alasdair Shaw resigned
    director
  11. 2024-12-30
    📄
    capital-return-purchase-own-shares-treasury-capital-date
    capital · SH03
  12. 2024-05-03
    📄
    capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
    capital · SH04
  13. 2024-04-15
    📄
    capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
    capital · SH04
  14. 2024-04-10
    📄
    capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
    capital · SH04
  15. 2024-02-23
    📄
    accounts-with-accounts-type-group
    accounts · AA
  16. 2023-10-02
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  17. 2023-05-11
    📄
    capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
    capital · SH04
  18. 2023-05-11
    📄
    capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
    capital · SH04
  19. 2023-03-02
    📄
    capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
    capital · SH04
  20. 2023-02-07
    📄
    accounts-with-accounts-type-group
    accounts · AA
  21. 2023-02-02
    📄
    capital-return-purchase-own-shares-treasury-capital-date
    capital · SH03
  22. 2023-02-02
    📄
    capital-return-purchase-own-shares-treasury-capital-date
    capital · SH03
  23. 2023-02-01
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  24. 2023-01-27
    📄
    capital-return-purchase-own-shares-treasury-capital-date
    capital · SH03
  25. 2023-01-27
    📄
    capital-return-purchase-own-shares
    capital · SH03
  26. 2022-11-01
    ➕
    SHEWAN, Derek William appointed
    director
  27. 2019-11-01
    ➖
    THOMSON, Douglas Neil resigned
    director
  28. 2019-09-01
    ➕
    CLARK, James Anderson appointed
    director
  29. 2017-03-23
    ➖
    TAWSE, Matthew Antony Gibbs resigned
    director
  30. 2016-01-04
    ➕
    GEE, Shona Louise appointed
    director
  31. 2015-11-20
    ➖
    CLOW, Allan James resigned
    secretary
  32. 2015-11-20
    ➖
    CLOW, Allan James resigned
    director
  33. 2014-10-09
    🔓
    Charge satisfied #12
  34. 2014-10-02
    🔒
    Charge registered #16
    Lender: Santander UK PLC (As Security Trustee for Each Santander Group Member)
  35. 2014-10-02
    🔒
    Charge registered #15
    Lender: Santander UK PLC (As Security Trustee for Each Santander Group Member)
  36. 2014-09-30
    🔓
    Charge satisfied #13
  37. 2014-09-30
    🔓
    Charge satisfied #11
  38. 2014-09-30
    🔓
    Charge satisfied #10
  39. 2014-09-30
    🔓
    Charge satisfied #7
  40. 2014-09-30
    🔓
    Charge satisfied #6
  41. 2014-09-30
    🔓
    Charge satisfied #5
  42. 2014-09-30
    🔓
    Charge satisfied #1
  43. 2014-09-29
    🔒
    Charge registered #14
    Lender: Santander UK PLC (As Security Trustee for Each Santander Group Member)
  44. 2014-09-17
    🔓
    Charge satisfied #8
  45. 2014-07-10
    🔒
    Charge registered #13
    Lender: Clydesdale Bank PLC
  46. 2014-03-07
    🔓
    Charge satisfied #9
  47. 2014-03-05
    ➕
    CLOW, Allan James appointed
    secretary
  48. 2014-03-05
    ➖
    BURNESS PAULL LLP resigned
    corporate-secretary
  49. 2013-12-02
    ➕
    CLOW, Allan James appointed
    director
  50. 2013-09-12
    🔒
    Charge registered #12
    Lender: Clydesdale Bank PLC
Showing most recent 50 of 91 events

Owner dependency

65/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 72 — succession pressure is live.

Succession & seller-readiness

83/100
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 72 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 16 years.
  • secondaryStable-but-static management: Company is 50 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

1 med · 1 low
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

5 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

🔒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

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 →
🔒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
Incorporated1976-02-23
Jurisdictionscotland
Primary SIC70100 — Activities of head offices

Registered office

Pavillion 2 Prospect Road
Arnhall Business Park
Westhill
Aberdeenshire
AB32 6FE
United Kingdom

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-10-15
Last: 2025-10-01

Officers (4 active · 20 resigned)

CLARK, James Anderson→
director · ~72y · appointed 2019-09-01
View their other companies + combined net worth →
Active
CRAIGIE, Hugh→
director · ~51y · appointed 2010-02-03
View their other companies + combined net worth →
Active
GEE, Shona Louise→
director · ~60y · appointed 2016-01-04
View their other companies + combined net worth →
Active
SHEWAN, Derek William→
director · ~67y · appointed 2022-11-01
View their other companies + combined net worth →
Active
CLOW, Allan James→
secretary · appointed 2014-03-05 · resigned 2015-11-20
Resigned
KINGHORN, Graeme→
secretary · appointed 2006-08-08 · resigned 2013-08-23
Resigned
MUTCH, Charles→
secretary · appointed 1991-08-30 · resigned 1999-12-31
Resigned
PHILIP, Charles Ian→
secretary · resigned 1991-08-30
Resigned
RITCHIE, Michael John→
secretary · appointed 1999-12-31 · resigned 2006-08-08
Resigned
BURNESS PAULL LLP→
corporate-secretary · appointed 2013-08-23 · resigned 2014-03-05
Resigned
ANDERSON, Francis Arnot→
director · resigned 1990-09-19
Resigned
BURR, William Stanley→
director · ~76y · appointed 2006-08-08 · resigned 2012-12-31
Resigned
CLOW, Allan James→
director · ~57y · appointed 2013-12-02 · resigned 2015-11-20
Resigned
CRABBE, Anthony Frank→
director · ~80y · appointed 1991-08-30 · resigned 2006-09-08
Resigned
CRAIGIE, Alasdair Shaw→
director · ~83y · resigned 2025-01-15
Resigned
DAVIDSON, Michael John→
director · ~68y · appointed 2006-08-08 · resigned 2010-06-08
Resigned
HARPER, William John→
director · resigned 1991-09-11
Resigned
KINGHORN, Graeme→
director · ~66y · appointed 2006-08-08 · resigned 2013-08-23
Resigned
MATHIESON, Alastair Merchant→
director · ~87y · appointed 1990-01-01 · resigned 2009-09-29
Resigned
NICOL, William Harley Meakin→
director · ~84y · appointed 1991-08-30 · resigned 2007-12-21
Resigned

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

Mortgages & charges

17
Total charges
5
Outstanding
1
Active lenders
Status:Lender:17 of 17 shown
TypeProperties
outstanding
Santander
Santander UK PLC (As Security Trustee for Each of Itself and Each Secured Party)
A registered charge1 property09/02/2026—
outstanding
Santander
Santander UK PLC (As Security Trustee for Each of Itself and Each Secured Party)
A registered charge1 property22/12/2025—
outstanding
Santander
Santander UK PLC (As Security Trustee for Each Santander Group Member)
A registered charge1 property02/10/2014—
outstanding
Santander
Santander UK PLC (As Security Trustee for Each Santander Group Member)
A registered charge1 property02/10/2014—
outstanding
Santander
Santander UK PLC (As Security Trustee for Each Santander Group Member)
A registered charge—29/09/2014—
satisfied
Virgin Money
Clydesdale Bank PLC
A registered charge—10/07/201430/09/2014
satisfied
Virgin Money
Clydesdale Bank PLC
A registered charge1 property12/09/201309/10/2014
satisfied
Virgin Money
Clydesdale Bank PLC
Floating charge1 property05/03/200930/09/2014
satisfied
Virgin Money
Clydesdale Bank PLC
Standard security1 property19/02/200930/09/2014
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property03/04/200607/03/2014
satisfied
The Trustees of Katharine Rockwell Gibbs
Standard security1 property20/05/200417/09/2014
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property20/06/200130/09/2014
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/05/199830/09/2014
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/05/199830/09/2014
satisfied
London and Northern Group
London and Northern Group Limited
Standard security1 property07/04/199830/08/2003
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security2 properties02/05/199630/08/2003
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property10/01/197830/09/2014
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (209 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-04
accounts-with-accounts-type-group
accounts · AA
2026-02-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-09
capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
capital · SH04
2025-04-30
accounts-with-accounts-type-group
accounts · AA
2025-03-19
termination-director-company-with-name-termination-date
officers · TM01
2025-01-23
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2024-12-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-16
capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
capital · SH04
2024-05-03
capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
capital · SH04
2024-04-15
capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
capital · SH04
2024-04-10
accounts-with-accounts-type-group
accounts · AA
2024-02-23
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-17