CORTACHY HOLDINGS LIMITED

🌳Matureactive
SC141764 · ltd · incorporated 1992-12-16
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 Sept 2024
Net worth
—
book net assets
Opportunity
78/100
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 65-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 65). 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 (73/100).

🏦

Refinance opportunity

5 live charges · 4 lenders · oldest 33.1y

35/100
too messy

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

  • · Oldest live charge is 33.1 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (82/100)

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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
12 officers (2 active, 12 linked, 9 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
120 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
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 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Average employees00

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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
  1. 2025-04-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-03-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-04-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-06-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-03-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2020-06-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2019-06-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2018-06-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2017-06-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2016-05-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2015-12-18
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  12. 2015-07-02
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2014-12-16
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2014-10-22
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2014-07-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2014-07-18
    ➕
    BISSET, Alexander Melville appointed
    director
  17. 2014-07-18
    ➕
    ROBERTSON, Shona appointed
    director
  18. 2014-07-18
    ➖
    BAIN, Mary-Ann resigned
    secretary
  19. 2014-07-18
    ➖
    CAMPBELL, Andrew Charles resigned
    director
  20. 2014-07-18
    ➖
    CHALMERS, Alasdair David resigned
    director
  21. 2014-07-18
    ➖
    ROBERTSON, John Stewart resigned
    director
  22. 2013-05-07
    🔒
    Charge registered #5
    Lender: The Royal Bank of Scotland PLC
  23. 2013-05-03
    🔓
    Charge satisfied #1
  24. 2013-04-10
    🔒
    Charge registered #4
    Lender: Rbs Invoice Finance Limited
  25. 2013-04-10
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  26. 2012-09-05
    ➕
    CAMPBELL, Andrew Charles appointed
    director
  27. 2005-04-29
    ➕
    BAIN, Mary-Ann appointed
    secretary
  28. 2005-04-29
    ➖
    LATTO, Catherine resigned
    secretary
  29. 2001-03-31
    ➖
    ROBERTSON, Ian Middleton Strachan resigned
    director
  30. 2001-03-19
    ➕
    ROBERTSON, John Stewart appointed
    director
  31. 2001-02-21
    ➖
    CHALMERS, James Melville resigned
    director
  32. 1995-04-19
    🔓
    Charge satisfied #2
  33. 1994-05-06
    ➕
    ROBERTSON, Ian Middleton Strachan appointed
    director
  34. 1993-08-10
    ➕
    LATTO, Catherine appointed
    secretary
  35. 1993-08-10
    ➖
    THORNTONS WS resigned
    corporate-nominee-secretary
  36. 1993-03-31
    🔒
    Charge registered #2
    Lender: Coalite Group Limited
  37. 1993-03-31
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  38. 1993-03-25
    ➖
    BLACK, Douglas Maclean resigned
    nominee-director
  39. 1993-03-25
    ➖
    CARNEGIE, Ivan James Grant resigned
    nominee-director
  40. 1993-03-25
    ➕
    CHALMERS, Alasdair David appointed
    director
  41. 1993-03-25
    ➕
    CHALMERS, James Melville appointed
    director
  42. 1992-12-16
    🏢
    Company incorporated
    As CORTACHY HOLDINGS LIMITED
  43. 1992-12-16
    ➕
    THORNTONS WS appointed
    corporate-nominee-secretary
  44. 1992-12-16
    ➕
    BLACK, Douglas Maclean appointed
    nominee-director
  45. 1992-12-16
    ➕
    CARNEGIE, Ivan James Grant appointed
    nominee-director

Owner dependency

73/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

71/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 33 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Alexander Melville Bisset
Individual · British · DOB 08/1961 · age 65
——sig. influencesignificant influence06/04/2016
Ms Shona Robertson
Individual · Scottish · DOB 05/1969 · age 57
——sig. influencesignificant influence06/04/2016

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
Incorporated1992-12-16
Jurisdictionscotland
Primary SIC70100 — Activities of head offices

Registered office

First Floor 2b Valentine Court
Kinnoull Road
Dundee
DD2 3QB

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-04-24
Last: 2025-04-10

Officers (2 active · 10 resigned)

BISSET, Alexander Melville→
director · ~65y · appointed 2014-07-18
View their other companies + combined net worth →
Active
ROBERTSON, Shona→
director · ~57y · appointed 2014-07-18
View their other companies + combined net worth →
Active
BAIN, Mary-Ann→
secretary · appointed 2005-04-29 · resigned 2014-07-18
Resigned
LATTO, Catherine→
secretary · appointed 1993-08-10 · resigned 2005-04-29
Resigned
THORNTONS WS→
corporate-nominee-secretary · appointed 1992-12-16 · resigned 1993-08-10
Resigned
BLACK, Douglas Maclean→
nominee-director · ~67y · appointed 1992-12-16 · resigned 1993-03-25
Resigned
CAMPBELL, Andrew Charles→
director · ~67y · appointed 2012-09-05 · resigned 2014-07-18
Resigned
CARNEGIE, Ivan James Grant→
nominee-director · ~88y · appointed 1992-12-16 · resigned 1993-03-25
Resigned
CHALMERS, Alasdair David→
director · ~72y · appointed 1993-03-25 · resigned 2014-07-18
Resigned
CHALMERS, James Melville→
director · ~106y · appointed 1993-03-25 · resigned 2001-02-21
Resigned
ROBERTSON, Ian Middleton Strachan→
director · ~102y · appointed 1994-05-06 · resigned 2001-03-31
Resigned
ROBERTSON, John Stewart→
director · ~77y · appointed 2001-03-19 · resigned 2014-07-18
Resigned

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

Mortgages & charges

5
Total charges
3
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property07/05/2013—
outstanding
NatWest Group
Rbs Invoice Finance Limited
A registered charge1 property10/04/2013—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property10/04/2013—
satisfied
Coalite Group
Coalite Group Limited
Floating charge1 property31/03/199319/04/1995
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Floating charge1 property31/03/199303/05/2013
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (120 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-24
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-18
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-20
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-16
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-22
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-14
accounts-with-accounts-type-micro-entity
accounts · AA
2020-06-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-23
accounts-with-accounts-type-micro-entity
accounts · AA
2019-06-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2018-12-21