CEDARLEA PROPERTIES LTD.
🌳Matureactive
SC251172 · ltd · incorporated 2003-06-16
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£113.4k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 65-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (83/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
12 live charges · 5 lenders · oldest 20.0y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 20.0 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
12 charges (12/12 with lender, 12/12 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 3 with DOB)
79
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
86 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →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 £113,352
Net assets shrinking
Down £6,786 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£113k
↓ 5.6% YoY
Current Assets
£8k
↑ 53% YoY
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 |
|---|---|---|
| Total assets | £113.4k | £120.1k |
| Current assets | £7.6k | £5.0k |
| Net assets | £113.4k | £120.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (49 events)Click to expand
- 2025-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-03-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-03-06🔓Charge satisfied #9
- 2023-03-06🔓Charge satisfied #8
- 2022-12-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-03-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-03-12🔒Charge registered #12Lender: Bank of Scotland PLC
- 2019-12-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-06-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2016-12-19📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-06-29📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-12-10📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2011-08-19🔒Charge registered #11Lender: Lloyds Tsb Bank PLC
- 2011-08-19🔒Charge registered #10Lender: Lloyds Tsb Scotland PLC
- 2011-08-05🔓Charge satisfied #7
- 2011-08-05🔓Charge satisfied #6
- 2011-08-05🔓Charge satisfied #5
- 2011-08-05🔓Charge satisfied #4
- 2011-08-05🔓Charge satisfied #3
- 2011-08-05🔓Charge satisfied #2
- 2011-07-22🔓Charge satisfied #1
- 2011-06-28🔒Charge registered #9Lender: Lloyds Tsb Bank PLC
- 2011-06-28🔒Charge registered #8Lender: Lloyds Tsb Scotland PLC
- 2008-06-18🔒Charge registered #7Lender: Clydesdale Bank PLC
- 2007-08-21🔒Charge registered #6Lender: Clydesdale Bank Public Limited Company
- 2006-08-25🔒Charge registered #5Lender: Clydesdale Bank Public Limited Company
- 2006-08-17🔒Charge registered #4Lender: Clydesdale Bank Public Limited Company
- 2006-07-18🔒Charge registered #3Lender: Clydesdale Bank Public Limited Company
- 2006-05-26🔒Charge registered #2Lender: Clydesdale Bank Public Limited Company
- 2006-04-25🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 2005-06-13➕LYON, Linda appointeddirector
- 2005-06-12➖LEE, Edward Ferguson resigneddirector
- 2003-06-16🏢Company incorporatedAs CEDARLEA PROPERTIES LTD.
- 2003-06-16➕LYON, Paul Forbes appointedsecretary
- 2003-06-16➕LYON, Paul Forbes appointeddirector
- 2003-06-16➕PETER TRAINER COMPANY SECRETARIES LTD. appointedcorporate-nominee-secretary
- 2003-06-16➖PETER TRAINER COMPANY SECRETARIES LTD. resignedcorporate-nominee-secretary
- 2003-06-16➕LEE, Edward Ferguson appointeddirector
- 2003-06-16➕PETER TRAINER COMPANY SECRETARIES LTD. appointedcorporate-nominee-director
- 2003-06-16➖PETER TRAINER COMPANY SECRETARIES LTD. resignedcorporate-nominee-director
- 2003-06-16➕PETER TRAINER CORPORATE SERVICES LTD. appointedcorporate-nominee-director
- 2003-06-16➖PETER TRAINER CORPORATE SERVICES LTD. resignedcorporate-nominee-director
Owner dependency
91/100
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 65 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
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.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Paul Forbes Lyon Individual · British · DOB 02/1961 · age 65 | — | — | sig. influencesignificant influence | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| BROOMWELL LIMITED→ SC044342 · est 1967 · no financials extracted | — | — | — | — | 59y | — | — |
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| CALEDONIAN GREENER HOMES CONSULTANCY LTD→ SC655522 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| CAMOCEAN LIMITED→ SC413441 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CARGILL'S PROPERTY INVESTMENTS LTD→ SC781710 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CEILING DECOR LIMITED→ SC100073 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| CELTIC PROPERTY GUILD LTD→ SC781185 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CEOL NA MARA INVESTMENTS LIMITED→ SC252979 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| CERBS PROPERTIES LTD→ SC717783 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CF ESTATE AGENT LIMITED→ SC853644 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2003-06-16
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
15 Balmossie Brae
Broughty Ferry
Dundee
Tayside
DD5 3GA
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-06-30
Last: 2025-06-16
Officers (3 active · 4 resigned)
Active
Active
LYON, Paul Forbes→
Activedirector · ~65y · appointed 2003-06-16
View their other companies + combined net worth →
PETER TRAINER COMPANY SECRETARIES LTD.→
Resignedcorporate-nominee-secretary · appointed 2003-06-16 · resigned 2003-06-16
LEE, Edward Ferguson→
Resigneddirector · ~63y · appointed 2003-06-16 · resigned 2005-06-12
PETER TRAINER COMPANY SECRETARIES LTD.→
Resignedcorporate-nominee-director · appointed 2003-06-16 · resigned 2003-06-16
PETER TRAINER CORPORATE SERVICES LTD.→
Resignedcorporate-nominee-director · appointed 2003-06-16 · resigned 2003-06-16
Click a director name to see their full track record across all companies.
Mortgages & charges
12
Total charges
3
Outstanding
1
Active lenders
Status:Lender:12 of 12 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 12/03/2020 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Standard security | 1 property | 19/08/2011 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 19/08/2011 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Bond & floating charge | 1 property | 28/06/2011 | 06/03/2023 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Scotland PLC | Bond & floating charge | 1 property | 28/06/2011 | 06/03/2023 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Standard security | 1 property | 18/06/2008 | 05/08/2011 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 21/08/2007 | 05/08/2011 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 25/08/2006 | 05/08/2011 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 17/08/2006 | 05/08/2011 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 18/07/2006 | 05/08/2011 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 26/05/2006 | 05/08/2011 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 25/04/2006 | 22/07/2011 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (86 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-16
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-17
mortgage-satisfy-charge-full
mortgage · MR04
2023-03-06
mortgage-satisfy-charge-full
mortgage · MR04
2023-03-06
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-24
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-19
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-03-26