CHURCH STREET INVESTMENTS (INVERNESS) LIMITED

🌳Matureactive
SC296811 · ltd · incorporated 2006-02-07
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 Dec 2025
Net worth
£472.3k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Property-backed borrower with a 67-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -72% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · 2 lenders · oldest 19.8y

30/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 19.8 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (73/100)

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
11 connected companies via shared directors
78
Filing history
64 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
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £472,289
Cash draining
Cash down 72% YoY
Cash YoY
-72%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£9k
↓ 72% YoY
Net Worth
£472k
↑ 5.5% YoY
Current Assets
£168k
↓ 8.7% YoY
Current Liabilities
—
£0£94k£189k£283k£378k£472kDec 2024Dec 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-12-312024-12-31
Total assets£488.6k£504.3k
Current assets£168.5k£184.6k
Cash£9.0k£32.0k
Debtors£159.5k£152.5k
Net assets£472.3k£447.7k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2026-02-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-04-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-06-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2020-11-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-06-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-09-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2016-09-13
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-04-20
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-04-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-03-04
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2009-11-01
    ➖
    KIDGER, Leslie resigned
    director
  17. 2008-01-22
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  18. 2008-01-18
    🔓
    Charge satisfied #1
  19. 2007-11-23
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  20. 2007-02-23
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  21. 2006-08-11
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  22. 2006-05-10
    ➕
    CAMERON, Catriona Elizabeth appointed
    secretary
  23. 2006-05-10
    ➖
    DAVIDSON CHALMERS (SECRETARIAL SERVICES) LIMITED resigned
    corporate-secretary
  24. 2006-04-10
    ➕
    CAMERON, Catriona Elizabeth appointed
    director
  25. 2006-04-10
    ➕
    LITTLEJOHN, Simon Howard appointed
    director
  26. 2006-04-10
    ➕
    KIDGER, Leslie appointed
    director
  27. 2006-04-10
    ➖
    DAVIDSON CHALMERS (NOMINEES) LIMITED resigned
    corporate-nominee-director
  28. 2006-02-07
    🏢
    Company incorporated
    As CHURCH STREET INVESTMENTS (INVERNESS) LIMITED
  29. 2006-02-07
    ➕
    DAVIDSON CHALMERS (SECRETARIAL SERVICES) LIMITED appointed
    corporate-secretary
  30. 2006-02-07
    ➕
    DAVIDSON CHALMERS (NOMINEES) LIMITED appointed
    corporate-nominee-director

Owner dependency

83/100
Critical — business is the founder

The 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 20 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

86/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. 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 20 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 20 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
🔒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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————22y8258y
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
Incorporated2006-02-07
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Am Counting Anderson Street
Rfl House
Dunblane
FK15 9AJ
Scotland

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-05-04
Last: 2026-04-20

Officers (3 active · 3 resigned)

CAMERON, Catriona Elizabeth→
secretary · appointed 2006-05-10
View their other companies + combined net worth →
Active
CAMERON, Catriona Elizabeth→
director · ~61y · appointed 2006-04-10
View their other companies + combined net worth →
Active
LITTLEJOHN, Simon Howard→
director · ~67y · appointed 2006-04-10
View their other companies + combined net worth →
Active
DAVIDSON CHALMERS (SECRETARIAL SERVICES) LIMITED→
corporate-secretary · appointed 2006-02-07 · resigned 2006-05-10
Resigned
KIDGER, Leslie→
director · ~58y · appointed 2006-04-10 · resigned 2009-11-01
Resigned
DAVIDSON CHALMERS (NOMINEES) LIMITED→
corporate-nominee-director · appointed 2006-02-07 · resigned 2006-04-10
Resigned

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

Mortgages & charges

4
Total charges
3
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property22/01/2008—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property23/11/2007—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property23/02/2007—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property11/08/200618/01/2008
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (64 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-06-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-27