CARBON FINANCIAL HOLDINGS LIMITED
🌳Matureactive
SC386414 · ltd · incorporated 2010-10-04
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 15.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Activities of financial services holding companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with exceptional profile and bankable structure.
Opportunity 80/100 (exceptional), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. 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 15.2y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 15.2 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 (61/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
15 officers (3 active, 15 linked, 12 with DOB)
86
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
17 connected companies via shared directors
90
Filing history
114 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (52 events)Click to expand
- 2025-11-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-03➖THOMAS, Charlotte Emily resigneddirector
- 2025-10-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-07📄legacyaccounts · PARENT_ACC
- 2025-10-07📄legacyother · GUARANTEE2
- 2025-10-07📄legacyother · AGREEMENT2
- 2025-07-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-06-30➕DICKSON, Graeme Grattan appointeddirector
- 2025-06-30➖SCOTT-SOMERS, Alistair Michael resigneddirector
- 2024-07-29➖HAWKESLEY, Caroline Michelle resigneddirector
- 2024-07-29➖MOLES, Neil Anthony resigneddirector
- 2024-07-29➕SCOTT-SOMERS, Alistair Michael appointeddirector
- 2024-07-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-01-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-01-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-01-17📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2024-01-13📄capital-name-of-class-of-sharescapital · SH08
- 2024-01-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-01-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-01-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-01-08📄memorandum-articlesincorporation · MA
- 2024-01-05📄capital-allotment-sharescapital · SH01
- 2024-01-05📄resolutionresolution · RESOLUTIONS
- 2024-01-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-01-04📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2024-01-04📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-12-22➖FERNIE, Shireen Tracy resignedsecretary
- 2023-12-22➖CHRISTIE, Mark Gavin resigneddirector
- 2023-12-22➕HAWKESLEY, Caroline Michelle appointeddirector
- 2023-12-22➕MOLES, Neil Anthony appointeddirector
- 2023-12-22➖O'NEILL, Barry John resigneddirector
- 2023-12-22➕THOMAS, Charlotte Emily appointeddirector
- 2016-12-23➖BROWN, Hazel Ann resigneddirector
- 2013-06-26➕BROWN, Hazel Ann appointeddirector
- 2013-06-26➕CHRISTIE, Mark Gavin appointeddirector
- 2013-06-26➖WOOD, Lewis resigneddirector
- 2011-02-10🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2010-12-16➕FERNIE, Shireen Tracy appointeddirector
- 2010-12-16➕WILSON, Gordon Alexander appointeddirector
- 2010-12-16➕FERNIE, Shireen Tracy appointedsecretary
- 2010-12-16➖HMS SECRETARIES LIMITED resignedcorporate-secretary
- 2010-12-16➖MUNRO, Donald John resigneddirector
- 2010-12-16➕O'NEILL, Barry John appointeddirector
- 2010-12-16➕WOOD, Lewis appointeddirector
- 2010-12-16➖HMS DIRECTORS LIMITED resignedcorporate-director
- 2010-10-04🏢Company incorporatedAs CARBON FINANCIAL HOLDINGS LIMITED
- 2010-10-04➕HMS SECRETARIES LIMITED appointedcorporate-secretary
Showing most recent 50 of 52 events
Owner dependency
68/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
53/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondary12+ year tenure: Director in role 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: SCOTT-SOMERS, Alistair Michael resigned 2025-06-30; THOMAS, Charlotte Emily resigned 2025-11-03
Group structure
The Progeny Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
The Progeny Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
CARBON FINANCIAL HOLDINGS LIMITED
This company · SC386414
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
The Progeny Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 22/12/2023 |
2 historic (ceased) PSCs
- Mr Gordon Alexander Wilsonceased 22/12/2023· 50-75% shares · 50-75% voting · board control
- Mrs Shireen Tracy Fernieceased 06/04/2016· 25-50% shares · 25-50% voting
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.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| BY PB LIMITED→ SC792979 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CALEDONIAN CARE LTD→ SC757509 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CASTLECROWN LIMITED→ SC221208 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| CCHP HOLDINGS LTD→ SC778274 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CHALMERS-WATSON ARDTARAIG LTD.→ SC626352 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CHARTERHOUSE GENERAL PARTNERS (SCOTLAND) LIMITED→ SC222907 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| CLAIRMONTS TRUSTEES LIMITED→ SC156969 · est 1995 · no financials extracted | — | — | — | — | 31y | — | — |
| CLEARWATER BIDCO LIMITED→ SC517451 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CLYDE & CO (SML) LIMITED→ SC101409 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| CLYDESMILL PROPERTY HOLDINGS LIMITED→ SC552185 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| COCO AAAL INVESTMENTS LIMITED→ SC860282 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| COETZER HOLDING LTD→ SC860246 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2010-10-04
Jurisdictionscotland
Primary SIC64205 — Activities of financial services holding companies
Registered office
61 Manor Place
Edinburgh
EH3 7EG
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-18
Last: 2025-10-04
Officers (3 active · 12 resigned)
DICKSON, Graeme Grattan→
Activedirector · ~49y · appointed 2025-06-30
View their other companies + combined net worth →
FERNIE, Shireen Tracy→
Activedirector · ~58y · appointed 2010-12-16
View their other companies + combined net worth →
WILSON, Gordon Alexander→
Activedirector · ~58y · appointed 2010-12-16
View their other companies + combined net worth →
FERNIE, Shireen Tracy→
Resignedsecretary · appointed 2010-12-16 · resigned 2023-12-22
HMS SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 2010-10-04 · resigned 2010-12-16
BROWN, Hazel Ann→
Resigneddirector · ~60y · appointed 2013-06-26 · resigned 2016-12-23
CHRISTIE, Mark Gavin→
Resigneddirector · ~54y · appointed 2013-06-26 · resigned 2023-12-22
HAWKESLEY, Caroline Michelle→
Resigneddirector · ~52y · appointed 2023-12-22 · resigned 2024-07-29
MOLES, Neil Anthony→
Resigneddirector · ~47y · appointed 2023-12-22 · resigned 2024-07-29
MUNRO, Donald John→
Resigneddirector · ~55y · appointed 2010-10-04 · resigned 2010-12-16
O'NEILL, Barry John→
Resigneddirector · ~60y · appointed 2010-12-16 · resigned 2023-12-22
SCOTT-SOMERS, Alistair Michael→
Resigneddirector · ~54y · appointed 2024-07-29 · resigned 2025-06-30
THOMAS, Charlotte Emily→
Resigneddirector · ~54y · appointed 2023-12-22 · resigned 2025-11-03
WOOD, Lewis→
Resigneddirector · ~79y · appointed 2010-12-16 · resigned 2013-06-26
HMS DIRECTORS LIMITED→
Resignedcorporate-director · appointed 2010-10-04 · resigned 2010-12-16
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Floating charge | 1 property | 10/02/2011 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (114 total)
termination-director-company-with-name-termination-date
officers · TM01
2025-11-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-07
legacy
accounts · PARENT_ACC
2025-10-07
legacy
other · GUARANTEE2
2025-10-07
legacy
other · AGREEMENT2
2025-10-07
termination-director-company-with-name-termination-date
officers · TM01
2025-07-01
appoint-person-director-company-with-name-date
officers · AP01
2025-07-01
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-18
termination-director-company-with-name-termination-date
officers · TM01
2024-07-29
termination-director-company-with-name-termination-date
officers · TM01
2024-07-29
appoint-person-director-company-with-name-date
officers · AP01
2024-07-29
termination-director-company-with-name-termination-date
officers · TM01
2024-01-31
termination-director-company-with-name-termination-date
officers · TM01
2024-01-31
capital-variation-of-rights-attached-to-shares
capital · SH10
2024-01-17