STEVAND LIMITED
- · Oldest live charge 35.7y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (93/100, director aged 73). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 35.7y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 35.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (55/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (35 events)Click to expand
- 2026-03-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-23📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-05-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-30📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-03-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-05-28📄resolutionresolution · RESOLUTIONS
- 2019-03-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-04-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-04-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-03-26📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2017-03-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2007-03-10🔓Charge satisfied #2
- 2007-03-08🔓Charge satisfied #4
- 2007-02-14🔓Charge satisfied #3
- 2007-02-14🔓Charge satisfied #1
- 1997-04-12➖HUNTER, Ian Anderson resigneddirector
- 1990-11-11🔒Charge registered #4Lender: Clydesdale Bank Public Limited Company
- 1990-08-27🔒Charge registered #3Lender: Scottish & Newcastle Breweries PLC
- 1990-08-21🔒Charge registered #2Lender: Scottish & Newcastle Breweries PLC
- 1990-07-30🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 1990-06-05➕GORDON, Linda appointeddirector
- 1990-06-05➕MURRAY, Peter appointeddirector
- 1990-06-05➕HUNTER, Ian Anderson appointeddirector
- 1990-06-05➖HUNTER, Neil Cameron resignednominee-director
- 1990-06-05➕LAWTIE, David Mcnab appointeddirector
- 1990-06-05➖LAWTIE, David Mcnab resigneddirector
- 1990-06-05➖RENNIE, Thomas George resignednominee-director
- 1990-04-12🏢Company incorporatedAs STEVAND LIMITED
- 1990-04-12➕PETERKINS, SOLICITORS appointedcorporate-nominee-secretary
- 1990-04-12➕HUNTER, Neil Cameron appointednominee-director
- 1990-04-12➕RENNIE, Thomas George appointednominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 36 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 73 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 36 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 36 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 ·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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Lorraine Hunter Individual · British · DOB 05/1948 · age 78 | 25–50% | — | 25-50% shares | 01/04/2021 |
Mrs Linda Gordon Individual · British · DOB 11/1958 · age 68 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Peter Murray Individual · British · DOB 06/1953 · age 73 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
1 historic (ceased) PSC
- Ian Anderson Hunterceased 01/04/2021· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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
Registered office
Filing status
Officers (3 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 11/11/1990 | 08/03/2007 | |
| satisfied | Scottish & Newcastle Breweries Scottish & Newcastle Breweries PLC | Standard security | 1 property | 27/08/1990 | 14/02/2007 | |
| satisfied | Scottish & Newcastle Breweries Scottish & Newcastle Breweries PLC | Floating charge | 1 property | 21/08/1990 | 10/03/2007 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 30/07/1990 | 14/02/2007 |