CORE PRODUCTS LIMITED

🌳Matureactive
SC101451 · ltd · incorporated 1986-10-21
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No material changes in the last 90 days.

Last 180 days

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

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£3.30M
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Retail sale of furniture, lighting, and similar (not musical instruments or scores) in specialised stores
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 85-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 85). 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

8 live charges · 4 lenders · oldest 38.8y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 38.8 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 5 with DOB)
87
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
130 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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
80
Strong succession / seller-readiness signals.
Risk profile
77
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 £3,301,793
Cash YoY
+18%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£93k
↑ 18% YoY
Net Worth
£3.3m
↑ 20% YoY
Current Assets
—
Current Liabilities
—
£0£660k£1.3m£2.0m£2.6m£3.3mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Cash£93.2k£78.6k
Net assets£3.30M£2.76M

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

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
  1. 2026-04-03
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2025-10-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-12-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-10-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-09-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-09-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-11-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-09-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-12-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2018-12-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2018-12-04
    🔓
    Charge satisfied #6
  12. 2018-12-04
    🔓
    Charge satisfied #1
  13. 2018-09-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-09-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2016-09-07
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2016-04-25
    📄
    capital-name-of-class-of-shares
    capital · SH08
  17. 2016-04-25
    📄
    resolution
    resolution · RESOLUTIONS
  18. 2009-01-22
    🔓
    Charge satisfied #2
  19. 2009-01-20
    🔒
    Charge registered #9
    Lender: Lloyds Tsb Scotland PLC
  20. 2009-01-13
    🔒
    Charge registered #8
    Lender: Lloyds Tsb Commercial Finance Limited
  21. 2008-12-30
    🔒
    Charge registered #7
    Lender: Lloyds Tsb Scotland PLC
  22. 2008-03-11
    🔓
    Charge satisfied #5
  23. 2008-03-11
    🔓
    Charge satisfied #3
  24. 2004-04-08
    ➖
    BARTOLI, Richard Pietro Enrico resigned
    director
  25. 2004-04-08
    ➖
    HOOD, John Albert resigned
    director
  26. 2002-07-30
    🔒
    Charge registered #6
    Lender: The Governor and Company of the Bank of Scotland
  27. 2001-01-01
    ➕
    HOOD, John Albert appointed
    director
  28. 1994-01-10
    ➕
    WALLACE, Stuart Duncan appointed
    director
  29. 1990-10-22
    🔒
    Charge registered #5
    Lender: Alex Lawrie Receivables Financing LTD
  30. 1990-10-22
    🔒
    Charge registered #3
    Lender: Alex Lawrie Receivables Financing LTD
  31. 1988-06-24
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  32. 1987-09-24
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  33. 1986-10-21
    🏢
    Company incorporated
    As CORE PRODUCTS LIMITED

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 33 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 85 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100
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 85 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 33 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 40 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 ·
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.

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Ms Mary Ann Wallace
Individual · British · DOB 12/1947 · age 79
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Duncan Bruce Wallace
Individual · British · DOB 04/1941 · age 85
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Stuart Duncan Wallace
Individual · British · DOB 10/1971 · age 55
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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

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
Incorporated1986-10-21
Jurisdictionscotland
Primary SIC47599 — Retail sale of furniture, lighting, and similar (not musical instruments or scores) in specialised stores

Registered office

Unit 3, Arran House
Arran Road
North Muirton Industrial Estate
Perth
PH1 3DZ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-14
Last: 2025-12-31

Officers (4 active · 2 resigned)

WALLACE, Mary Ann→
secretary
View their other companies + combined net worth →
Active
WALLACE, Duncan Bruce→
director · ~85y
View their other companies + combined net worth →
Active
WALLACE, Mary Ann→
director · ~79y
View their other companies + combined net worth →
Active
WALLACE, Stuart Duncan→
director · ~55y · appointed 1994-01-10
View their other companies + combined net worth →
Active
BARTOLI, Richard Pietro Enrico→
director · ~79y · resigned 2004-04-08
Resigned
HOOD, John Albert→
director · ~62y · appointed 2001-01-01 · resigned 2004-04-08
Resigned

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

Mortgages & charges

8
Total charges
3
Outstanding
1
Active lenders
Status:Lender:8 of 8 shown
TypeProperties
outstanding
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Standard security1 property20/01/2009—
outstanding
Lloyds Banking Group
Lloyds Tsb Commercial Finance Limited
Bond & floating charge1 property13/01/2009—
outstanding
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Bond & floating charge1 property30/12/2008—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property30/07/200204/12/2018
satisfied
Alex Lawrie Receivables Financing
Alex Lawrie Receivables Financing LTD
Floating charge1 property22/10/199011/03/2008
satisfied
Alex Lawrie Receivables Financing
Alex Lawrie Receivables Financing LTD
Floating charge1 property22/10/199011/03/2008
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property24/06/198822/01/2009
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Letter of offset1 property24/09/198704/12/2018
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (130 total)

change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-03
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-09-11