C&L EVERGREEN LIMITED

🌿Early-stageactive
SC726192 · ltd · incorporated 2022-03-14
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 3.8y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
67/100
Strong
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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. Reasonable fundamentals — worth a memo before deciding.

Opportunity 67/100 (strong), bankability 60/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

6 live charges · 2 lenders · oldest 3.8y

60/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Charge age ~3.8 years — mid-life; refi window approaching.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (78/100)

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
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
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
14 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
50
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Average employees200200

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
0
filings
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 (19 events)Click to expand
  1. 2025-12-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-10-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-10-27
    🔒
    Charge registered #6
    Lender: The Mortgage Works (UK) PLC
  4. 2025-03-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2025-02-24
    🔒
    Charge registered #5
    Lender: The Morgage Works (UK) PLC
  6. 2024-12-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-07-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2024-07-18
    🔒
    Charge registered #4
    Lender: The Mortgage Works (UK) PLC
  9. 2023-12-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2023-02-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2023-02-20
    🔒
    Charge registered #3
    Lender: The Mortgage Works (UK) PLC
  12. 2023-02-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2023-02-16
    🔒
    Charge registered #2
    Lender: The Mortgage Works (UK) PLC
  14. 2022-08-25
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2022-08-15
    🔒
    Charge registered #1
    Lender: The Mortgage Works (UK) PLC
  16. 2022-03-14
    🏢
    Company incorporated
    As C&L EVERGREEN LIMITED
  17. 2022-03-14
    ➕
    CHENG, Chor Shan appointed
    director
  18. 2022-03-14
    ➕
    LIM, Li Ching appointed
    director
  19. 2022-03-14
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

36/100
Weak signal

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

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 low
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
Mrs Li Ching Lim
Individual · Singaporean · DOB 03/1969 · age 57
25–50%
25–50%board control25-50% shares · 25-50% voting · board control14/03/2022
Mr Chor Shan Cheng
Individual · British · DOB 10/1969 · age 57
25–50%
25–50%board control25-50% shares · 25-50% voting · board control14/03/2022

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2022-03-14
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

3 High Street
Kinross
KY13 8AW
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-27
Last: 2026-03-13

Officers (2 active · 0 resigned)

CHENG, Chor Shan→
director · ~57y · appointed 2022-03-14
View their other companies + combined net worth →
Active
LIM, Li Ching→
director · ~57y · appointed 2022-03-14
View their other companies + combined net worth →
Active

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

Mortgages & charges

6
Total charges
6
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property27/10/2025—
outstanding
The Morgage Works (UK)
The Morgage Works (UK) PLC
A registered charge1 property24/02/2025—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property18/07/2024—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property20/02/2023—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property16/02/2023—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property15/08/2022—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (14 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-25
incorporation-company
incorporation · NEWINC
2022-03-14