CROFTHEAD

🌳Matureactive
SC318666 · private-unlimited · incorporated 2007-03-15
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
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Turnover
not disclosed
Net worth
book net assets
Opportunity
67/100
Strong
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pass (distressed without resilience)
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 67/100 (strong), bankability 47/100. Same-surname younger director in place — likely family handover, not open to sale. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

8 live charges · 3 lenders · oldest 5.2y

35/100
too messy

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

  • · Oldest live charge is 5.2 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (57/100)

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
No iXBRL financials extracted
0
Lenders & charges
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 4 with DOB)
81
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
50 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
50
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
56
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
3
filings
  • 2 mortgage
  • 1 address
Last 90 days
3
filings
  • 2 mortgage
  • 1 address
Last 180 days
3
filings
  • 2 mortgage
  • 1 address
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
  1. 2026-04-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2026-04-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2026-04-08
    📍
    move-registers-to-registered-office-company-with-new-address
    address · AD04
  4. 2026-04-02
    🔒
    Charge registered #8
    Lender: Clydesdale Bank PLC (Trading as Virgin Money)
  5. 2026-04-02
    🔒
    Charge registered #7
    Lender: Crofthead Biogas Limited
  6. 2025-06-16
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2025-06-16
    🔓
    Charge satisfied #5
  8. 2025-05-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2025-05-23
    🔒
    Charge registered #6
    Lender: Clydesdale Bank PLC (Trading as Virgin Money)
  10. 2025-02-13
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  11. 2025-02-13
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2023-06-12
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2023-05-11
    CALLANDER, Anne appointed
    director
  14. 2023-05-11
    CALLANDER, William Mark resigned
    secretary
  15. 2023-05-11
    CALLANDER, William Mark resigned
    director
  16. 2023-03-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2023-03-08
    🔒
    Charge registered #5
    Lender: Clydesdale Bank PLC (Trading as Virgin Money)
  18. 2022-02-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2022-02-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  20. 2022-02-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  21. 2022-02-11
    🔓
    Charge satisfied #3
  22. 2022-02-10
    🔒
    Charge registered #4
    Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
  23. 2022-02-10
    🔒
    Charge registered #3
    Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
  24. 2021-06-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  25. 2021-05-24
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
  26. 2021-03-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  27. 2021-02-25
    🔒
    Charge registered #1
    Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
  28. 2019-06-05
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  29. 2019-06-04
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  30. 2010-05-28
    CALLANDER, David resigned
    director
  31. 2007-03-15
    🏢
    Company incorporated
    As CROFTHEAD
  32. 2007-03-15
    CALLANDER, William Paterson appointed
    director
  33. 2007-03-15
    CALLANDER, William Mark appointed
    secretary
  34. 2007-03-15
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  35. 2007-03-15
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  36. 2007-03-15
    CALLANDER, David appointed
    director
  37. 2007-03-15
    CALLANDER, William Mark appointed
    director
  38. 2007-03-15
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  39. 2007-03-15
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

91/100
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 19 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 80 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

34/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — CALLANDER, Anne (same surname) appointed 2023-05-11. Pattern consistent with intra-family handover.
  • primaryFounder aged 70+: Senior director is approximately 80 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 19 years.

Red flags

1 high · 1 med · 1 low
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-02-13

3 new charges in last 12 months
medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2026-04-02: A registered charge; 2026-04-02: A registered charge; 2025-05-23: A registered charge

6 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
William Paterson Callander
Individual · British · DOB 09/1946 · age 80
2550%
25-50% shares06/04/2016
Mr William Mark Callander
Individual · British · DOB 10/1967 · age 59
2550%
25-50% shares06/04/2016

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.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

10 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 →
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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.

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Company details

Statusactive
Typeprivate-unlimited
Incorporated2007-03-15
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

Crofthead
Crocketford
Dumfries
DG2 8QW

Filing status

Accounts
Next due:
Last made up to:
Confirmation statement
Next due: 2026-02-13OVERDUE
Last: 2025-01-30

Officers (2 active · 5 resigned)

CALLANDER, Anne
director · ~52y · appointed 2023-05-11
View their other companies + combined net worth →
Active
CALLANDER, William Paterson
director · ~80y · appointed 2007-03-15
View their other companies + combined net worth →
Active
CALLANDER, William Mark
secretary · appointed 2007-03-15 · resigned 2023-05-11
Resigned
BRIAN REID LTD.
corporate-nominee-secretary · appointed 2007-03-15 · resigned 2007-03-15
Resigned
CALLANDER, David
director · ~56y · appointed 2007-03-15 · resigned 2010-05-28
Resigned
CALLANDER, William Mark
director · ~59y · appointed 2007-03-15 · resigned 2023-05-11
Resigned
STEPHEN MABBOTT LTD.
corporate-nominee-director · appointed 2007-03-15 · resigned 2007-03-15
Resigned

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

Mortgages & charges

8
Total charges
6
Outstanding
2
Active lenders
Status:Lender:8 of 8 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC (Trading as Virgin Money)
A registered charge1 property02/04/2026
outstanding
Crofthead Biogas
Crofthead Biogas Limited
A registered charge1 property02/04/2026
outstanding
Virgin Money
Clydesdale Bank PLC (Trading as Virgin Money)
A registered charge1 property23/05/2025
satisfied
Virgin Money
Clydesdale Bank PLC (Trading as Virgin Money)
A registered charge2 properties08/03/202316/06/2025
outstanding
Virgin Money
Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
A registered charge1 property10/02/2022
satisfied
Virgin Money
Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
A registered charge1 property10/02/202211/02/2022
outstanding
Virgin Money
Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
A registered charge1 property24/05/2021
outstanding
Virgin Money
Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
A registered charge25/02/2021
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (50 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-13
move-registers-to-registered-office-company-with-new-address
address · AD04
2026-04-08
mortgage-satisfy-charge-full
mortgage · MR04
2025-06-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-29
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-13
termination-secretary-company-with-name-termination-date
officers · TM02
2025-02-13
termination-director-company-with-name-termination-date
officers · TM01
2025-02-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-09
appoint-person-director-company-with-name-date
officers · AP01
2023-06-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-13
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-02-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-02-11