CHAMPFLEURIE ESTATE LTD.
- · Oldest live charge 21.4y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 79). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
1 live charge · oldest 21.4y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 21.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Key financials
2 years extracted from filed iXBRL accountsHover 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 |
|---|---|---|
| Average employees | 600 | 1000 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (25 events)Click to expand
- 2025-11-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-08-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-02-09📄capital-allotment-sharescapital · SH01
- 2017-10-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-03-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2017-03-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2017-03-10➕KERR, Jessica Georgina appointeddirector
- 2017-03-10➕KERR, Joanna Louisa appointeddirector
- 2016-11-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-03-21📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2004-11-18🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2004-03-17🏢Company incorporatedAs CHAMPFLEURIE ESTATE LTD.
- 2004-03-17➕KERR, Lindsay Susan appointedsecretary
- 2004-03-17➕KERR, Richard George appointeddirector
- 2004-03-17➕BRIAN REID LTD. appointedcorporate-nominee-secretary
- 2004-03-17➖BRIAN REID LTD. resignedcorporate-nominee-secretary
- 2004-03-17➕STEPHEN MABBOTT LTD. appointedcorporate-nominee-director
- 2004-03-17➖STEPHEN MABBOTT LTD. resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 79 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Lindsay Susan Kerr Individual · British · DOB 10/1955 · age 71 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 19/08/2024 |
Mr Richard George Kerr Individual · Scottish · DOB 12/1947 · age 79 | — | — | sig. influencesignificant influence · trust interest · firm interest | 07/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 (4 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 18/11/2004 | — |