COLDSTREAM SCOTLAND LIMITED
🌳Matureactive
SC400171 · ltd · incorporated 2011-05-24
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
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: SIC 01500
Sector: Agriculture, forestry & fishing
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 73/100 (strong), bankability 57/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. 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
6 live charges · 3 lenders · oldest 5.0y
25/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~5.0 years — mid-life; refi window approaching.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
45 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover 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 | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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
5
filings
- • 5 mortgage
Last 90 days
5
filings
- • 5 mortgage
Last 180 days
9
filings
- • 6 mortgage
- • 2 persons-with-significant-control
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2026-04-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-14🔓Charge satisfied #2
- 2026-04-08🔒Charge registered #5Lender: Agricultural Mortgage Corporation PLC
- 2026-04-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-01🔒Charge registered #4Lender: Hsbc UK Bank PLC
- 2026-03-30🔒Charge registered #6Lender: Agricultural Mortgage Corporation PLC
- 2026-03-27🔒Charge registered #3Lender: Hsbc UK Bank PLC
- 2025-12-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-24🔒Charge registered #2Lender: The Agricultural Mortgage Corporation PLC
- 2025-11-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-11-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-11-14📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-09-05➕CARGILL, Tom Douglas appointeddirector
- 2025-09-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-09-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-12-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-22📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2023-07-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-05-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-06🔒Charge registered #1Lender: Hsbc UK Bank PLC
- 2020-07-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2011-05-24🏢Company incorporatedAs COLDSTREAM SCOTLAND LIMITED
- 2011-05-24➕CARGILL, James Argo appointeddirector
Owner dependency
86/100
Critical — business is the founderThe 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.
- +Founder age: Director aged approximately 70 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 15 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
39/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- primaryFamily succession underway: Not a takeover target — CARGILL, Tom Douglas (same surname) appointed 2025-09-05. Pattern consistent with intra-family handover.
- primaryFounder aged 70+: Senior director is approximately 70 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 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 low5 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-04-08: A registered charge; 2026-04-01: A registered charge; 2026-03-30: A registered charge
5 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Tom Douglas Cargill Individual · British · DOB 07/1991 · age 35 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 14/11/2025 |
1 historic (ceased) PSC
- Mr James Argo Cargillceased 14/11/2025· 75-100% shares · 75-100% voting · board control · firm interest
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
Active · Agriculture · AB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| FYVIE ESTATE MANAGEMENT COMPANY LIMITED→ SC052080 · est 1972 · no financials extracted | — | — | — | — | 53y | — | — |
| GRAMPIAN AGRICULTURAL SERVICES LTD.→ SC294646 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| GROUND BOUND LTD→ SC853435 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HAPPY HOG LTD→ SC713332 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| HEATHER SPRIG LIMITED→ SC107594 · est 1987 · no financials extracted | — | — | — | — | 38y | — | — |
| IAN G DONALD (POTATOES) LTD→ SC331783 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| IAN GATT LTD.→ SC245405 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| IAN R MACKIE LTD.→ SC242421 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| IAN RITCHIE (FISHING) LIMITED→ SC297427 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| INICIO-FRESCO LIMITED→ SC447307 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| INNES FARMS (SCOTLAND) LIMITED→ SC243165 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| INNES FARMS LIMITED→ SC438543 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2011-05-24
Jurisdictionscotland
Primary SIC01500 — SIC 01500
Registered office
Coldstream Farm
Laurencekirk
Kincardineshire
AB30 1BX
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-06-07
Last: 2025-05-24
Officers (2 active · 0 resigned)
CARGILL, James Argo→
Activedirector · ~70y · appointed 2011-05-24
View their other companies + combined net worth →
CARGILL, Tom Douglas→
Activedirector · ~35y · appointed 2025-09-05
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
5
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Agricultural Mortgage Corporation Agricultural Mortgage Corporation PLC | A registered charge | 1 property | 08/04/2026 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 2 properties | 01/04/2026 | — | |
| outstanding | Agricultural Mortgage Corporation Agricultural Mortgage Corporation PLC | A registered charge | 1 property | 30/03/2026 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 2 properties | 27/03/2026 | — | |
| satisfied | The Agricultural Mortgage Corporation The Agricultural Mortgage Corporation PLC | A registered charge | 1 property | 24/12/2025 | 14/04/2026 | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 06/05/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (45 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-16
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-29
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-18
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-11-14
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-11-14
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-05
appoint-person-director-company-with-name-date
officers · AP01
2025-09-05
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-04
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-12
change-account-reference-date-company-previous-extended
accounts · AA01
2024-07-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-05