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.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£3.30M
book net assets
Opportunity
79/100
Strong
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
PursueActive 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 38.6y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 38.6 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 declaredPositive net assets
Net assets £3,301,793
Cash YoY
+18%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£93k
↑ 18% YoY
Net Worth
£3.3m
↑ 20% YoY
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| 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
1
filing
- • 1 persons-with-significant-control
Last 90 days
1
filing
- • 1 persons-with-significant-control
Last 180 days
2
filings
- • 1 persons-with-significant-control
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
- 2026-04-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-12-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-12-04🔓Charge satisfied #6
- 2018-12-04🔓Charge satisfied #1
- 2018-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-09-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-07📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-25📄capital-name-of-class-of-sharescapital · SH08
- 2016-04-25📄resolutionresolution · RESOLUTIONS
- 2009-01-22🔓Charge satisfied #2
- 2009-01-20🔒Charge registered #9Lender: Lloyds Tsb Scotland PLC
- 2009-01-13🔒Charge registered #8Lender: Lloyds Tsb Commercial Finance Limited
- 2008-12-30🔒Charge registered #7Lender: Lloyds Tsb Scotland PLC
- 2008-03-11🔓Charge satisfied #5
- 2008-03-11🔓Charge satisfied #3
- 2004-04-08➖BARTOLI, Richard Pietro Enrico resigneddirector
- 2004-04-08➖HOOD, John Albert resigneddirector
- 2002-07-30🔒Charge registered #6Lender: The Governor and Company of the Bank of Scotland
- 2001-01-01➕HOOD, John Albert appointeddirector
- 1994-01-10➕WALLACE, Stuart Duncan appointeddirector
- 1990-10-22🔒Charge registered #5Lender: Alex Lawrie Receivables Financing LTD
- 1990-10-22🔒Charge registered #3Lender: Alex Lawrie Receivables Financing LTD
- 1988-06-24🔒Charge registered #2Lender: The Governor and Company of the Bank of Scotland
- 1987-09-24🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 1986-10-21🏢Company incorporatedAs CORE PRODUCTS LIMITED
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
- +Long-tenure founder: Senior director has been in place 32 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 candidateStrong 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 32 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
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Mary Ann Wallace Individual · British · DOB 12/1947 · age 79 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Duncan Bruce Wallace Individual · British · DOB 04/1941 · age 85 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Stuart Duncan Wallace Individual · British · DOB 10/1971 · age 55 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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 →Similar companies
Active · Retail · PH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AROOJ REHMAN LTD→ SC850504 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AVIEMORE CONVENIENCE STORE LIMITED→ SC402662 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BALLINTAGGART RETAIL LIMITED→ SC869996 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CALEDONIAN EXPORTS LIMITED→ SC838299 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CHROVIES LTD→ SC785287 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| COLLECTIVE GOODS LTD→ SC849991 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CRIEFF ROAD NEWSAGENT LTD→ SC577598 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| DAVID REID & SON LTD→ SC422694 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| DAVIDSONS FARM & COUNTRY LTD→ SC553306 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| DESIGN FLOOR STUDIO LIMITED→ SC272313 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| DG LINDSAY & SON LIMITED→ SC877040 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| DIAMOND SPORT RETAIL LIMITED→ SC660408 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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)
Active
Active
Active
WALLACE, Stuart Duncan→
Activedirector · ~55y · appointed 1994-01-10
View their other companies + combined net worth →
BARTOLI, Richard Pietro Enrico→
Resigneddirector · ~79y · resigned 2004-04-08
HOOD, John Albert→
Resigneddirector · ~62y · appointed 2001-01-01 · resigned 2004-04-08
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 20/01/2009 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Commercial Finance Limited | Bond & floating charge | 1 property | 13/01/2009 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Bond & floating charge | 1 property | 30/12/2008 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 30/07/2002 | 04/12/2018 | |
| satisfied | Alex Lawrie Receivables Financing Alex Lawrie Receivables Financing LTD | Floating charge | 1 property | 22/10/1990 | 11/03/2008 | |
| satisfied | Alex Lawrie Receivables Financing Alex Lawrie Receivables Financing LTD | Floating charge | 1 property | 22/10/1990 | 11/03/2008 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 24/06/1988 | 22/01/2009 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Letter of offset | 1 property | 24/09/1987 | 04/12/2018 |
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