PORTSOY COMMUNITY ENTERPRISE
- · Oldest live charge 17.6y old — refinance window within 12 months
Opportunity 80/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 77). 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 17.6y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 17.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 38/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (58/100)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.
Recent activity
- • 1 confirmation-statement
- • 1 officers
- • 1 confirmation-statement
- • 1 officers
- • 1 confirmation-statement
- • 1 officers
Corporate timeline (91 events)Click to expand
- 2026-03-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-24➖SUMMERS, Lorna Alison resigneddirector
- 2025-10-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-17➕STEWART, Audrey Jean appointeddirector
- 2025-09-17➖GOW, John, Rev resigneddirector
- 2025-09-17➖SMITH, Natalie Debbie resigneddirector
- 2024-10-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-25➕URQUHART, William David appointeddirector
- 2024-04-25📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-09-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-09-07➖MURRAY, Alexander Mcronald resigneddirector
- 2022-09-07➕SUMMERS, Lorna Alison appointeddirector
- 2022-06-12📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2022-06-12📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-05-26➕HASLAM, Aileen appointedsecretary
- 2022-05-13➖MURRAY, Shona resignedsecretary
- 2022-03-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-03-02➖MASSON, June Lesley resigneddirector
- 2021-12-09📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-09-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-09-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-09-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-25➕STEPHENSON, Randell Alexander, Dr appointeddirector
- 2021-08-25➕GOW, John, Rev appointeddirector
- 2021-08-25➕SMITH, Natalie Debbie appointeddirector
- 2021-08-06➖STEWART, Moira resigneddirector
- 2020-09-09➖THOMSON, Alexander Victor resigneddirector
- 2020-03-30➖RUPARELIA, Vinaykant resigneddirector
- 2020-02-06➖NEWTON, Keith resigneddirector
- 2020-01-08➖CLEMENTS, Wendy Jane resigneddirector
- 2019-10-02➕MASSON, June Lesley appointeddirector
- 2019-09-04➕MILTON, Mark Thomas Alexander appointeddirector
- 2019-09-04➕URQUHART, David West appointeddirector
- 2019-09-04➕CLEMENTS, Wendy Jane appointeddirector
- 2019-09-04➖CROMBIE, James David Mark resigneddirector
- 2019-09-04➕MURRAY, Alexander Mcronald appointeddirector
- 2019-09-04➕STEWART, Moira appointeddirector
- 2019-09-04➖SUMMERS, Lorna Alison resigneddirector
- 2019-08-07➖GOODYEAR, Roger Maxwell resigneddirector
- 2018-10-04➖MARTIN, Andrew Lumsden, Dr resigneddirector
- 2018-01-15➕MARTIN, Andrew Lumsden, Dr appointeddirector
- 2018-01-15➕THOMSON, Alexander Victor appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 77 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 17 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: GOW, John, Rev resigned 2025-09-17; SMITH, Natalie Debbie resigned 2025-09-17; SUMMERS, Lorna Alison resigned 2026-03-24
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David West Urquhart Individual · British · DOB 10/1956 · age 70 | — | — | sig. influencesignificant influence · trust interest · firm interest | 08/04/2020 |
3 historic (ceased) PSCs
- Mr Vinaykant Rupareliaceased 30/03/2020· significant influence
- Mr Keith Newtonceased 06/02/2020· significant influence · trust interest
- Mr Roger Maxwell Goodyearceased 30/05/2019· significant influence · trust interest
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 (7 active · 31 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Scottish Ministers | Standard security | 1 property | 24/09/2008 | — |