AJC HOMES SCOTLAND LIMITED
🌳Matureactive
03529648 · ltd · incorporated 1998-03-18
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: SIC 11010
Sector: Manufacturing
ALSO REGISTERED FOR
- 41100Development of building projects
- 41202Construction of domestic buildings
Investor take
PursueActive trading company with a 65-year-old founder — textbook succession opportunity.
Opportunity 74/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 65). Biggest value-creation lever: Consolidate lender relationships. 14 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
28 live charges · 12 lenders · oldest 27.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 27.2 years old — likely at or near maturity.
- · 12 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
28 charges (28/28 with lender, 28/28 with type)
90
Directors & officers
14 officers (4 active, 14 linked, 7 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
134 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
66
Some moderate concerns — review 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 · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Profit before tax | — | £281.6k |
| Average employees | 1300 | 1500 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 signals 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 mortgage
Last 180 days
3
filings
- • 2 mortgage
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (84 events)Click to expand
- 2026-01-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-29🔓Charge satisfied #16
- 2026-01-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-23🔒Charge registered #29Lender: Elsick Farms Limited
- 2025-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-05🔒Charge registered #28Lender: Santander UK PLC
- 2025-07-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-11🔒Charge registered #27Lender: Alistair Granville Gordon, the Earl of Aboyne
- 2024-12-22📄accounts-with-accounts-type-fullaccounts · AA
- 2024-09-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-12🔒Charge registered #26Lender: Santander UK PLC
- 2024-09-12🔒Charge registered #25Lender: Santander UK PLC
- 2024-03-21📄accounts-with-accounts-type-fullaccounts · AA
- 2023-08-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-08-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-08-01🔓Charge satisfied #12
- 2023-08-01🔓Charge satisfied #11
- 2023-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-24🔓Charge satisfied #20
- 2023-03-13📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-03-13🔓Charge satisfied #23
- 2022-12-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-09-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-09-06🔒Charge registered #24Lender: Elsick Development Company Limited (SC347375)
- 2022-09-06🔒Charge registered #23Lender: Elsick Farms Limited (01216593) as Trustee of the Late Most Noble James George Alexander Bannerman Carnegie, Duke of Fife
- 2022-07-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-06-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-06-08➕TAYLOR, Keith Andrew appointeddirector
- 2021-12-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-12-03🔓Charge satisfied #21
- 2021-04-14🔒Charge registered #22Lender: Santander UK PLC
- 2021-03-01🔒Charge registered #21Lender: Elsick Farms Limited (01216593) as Trustee of the Late Most Noble James George Alexander Bannerman Carnegie, Duke of Fife
- 2021-03-01🔒Charge registered #20Lender: Elsick Development Company Limited (SC347375)
- 2020-10-09🔒Charge registered #19Lender: Santander UK PLC
- 2020-08-04🔒Charge registered #18Lender: Santander UK PLC
- 2020-08-04🔒Charge registered #17Lender: Elsick Development Company Limited
- 2020-07-16🔒Charge registered #16Lender: Santander UK PLC
- 2020-07-16🔒Charge registered #15Lender: Santander UK PLC
- 2018-09-19🔓Charge satisfied #10
- 2018-07-04🔒Charge registered #14Lender: Santander UK PLC
- 2017-10-16🔒Charge registered #13Lender: Elsick Development Company Limited
- 2016-09-02🔒Charge registered #12Lender: Santander UK PLC
- 2016-05-16🔓Charge satisfied #7
- 2015-07-28🔒Charge registered #11Lender: Santander UK PLC
- 2015-07-17🔒Charge registered #10Lender: Santander UK PLC as Security Trustee for Each Group Member and Its Successors in Title and Assigns and Subsidiaries
Showing most recent 50 of 84 events
Owner dependency
75/100
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 28 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
80/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 28 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 med · 1 low3 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-12-23: A registered charge; 2025-08-05: A registered charge; 2025-07-11: A registered charge
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
18 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 |
|---|---|---|---|---|
The Earl Of Aboyne Alistair Granville Gordon Individual · British · DOB 07/1973 · age 53 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
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.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| 1936 LIMITED→ 07576706 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| 618 FUNGI CLUB LIMITED→ 16152646 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AAP HEALTH LIMITED→ 15873463 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AB AGRI LIMITED→ 00193800 · est 1923 · no financials extracted | — | — | — | — | 102y | — | — |
| ABELGENIX LTD→ 14916120 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABF GRAIN PRODUCTS LIMITED→ 00079590 · est 1903 · no financials extracted | — | — | — | — | 122y | — | — |
| ACKLAM BLACK LTD→ 12322270 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AGRIDL UK LIMITED→ 16500332 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AIB DEV LTD→ 14010418 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AIRMANAGED LTD→ 09992601 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| AIT SPIRITS LIMITED→ 13784413 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AJWA INTERNATIONAL GROUP LIMITED→ 16802118 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated1998-03-18
Jurisdictionengland-wales
Primary SIC11010 — SIC 11010
Registered office
C/O Millbank Financial Services Limited Fourth Floor
Swallow Street
London
W1B 4DE
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-05-07
Last: 2025-04-23
Officers (4 active · 10 resigned)
GORDON, Alistair Granville, The Earl Of Aboyne→
Activesecretary · appointed 2014-04-11
View their other companies + combined net worth →
PIRIE, Brian→
Activedirector · ~65y · appointed 2010-04-10
View their other companies + combined net worth →
TAYLOR, Keith Andrew→
Activedirector · ~50y · appointed 2022-06-08
View their other companies + combined net worth →
THE EARL OF ABOYNE, Alistair Granville Gordon→
Activedirector · ~53y · appointed 1998-03-30
View their other companies + combined net worth →
THE EARL OF ABOYNE, Alistair Granville Gordon→
Resignedsecretary · appointed 1998-03-30 · resigned 2000-03-14
BURNETT & REID→
Resignedcorporate-secretary · appointed 2000-03-14 · resigned 2012-09-30
BURNETT & REID LLP→
Resignedcorporate-secretary · appointed 2012-10-01 · resigned 2014-01-16
COSEC LIMITED→
Resignedcorporate-nominee-secretary · appointed 1998-03-18 · resigned 1998-03-18
DUNIPACE, Robert Bruce John→
Resigneddirector · ~78y · appointed 1998-03-24 · resigned 2000-01-24
GORDON, Granville Charles Gomer, The Marquis Of Huntly→
Resigneddirector · ~82y · appointed 1998-03-30 · resigned 2000-03-14
HOLME, Nicholas Anthony Richard→
Resigneddirector · ~57y · appointed 2004-11-15 · resigned 2005-12-30
HUNTLY, Granville Charles Gomer Gordon, Marquis Of→
Resigneddirector · ~82y · appointed 2005-02-03 · resigned 2010-04-10
CODIR LIMITED→
Resignedcorporate-nominee-director · appointed 1998-03-18 · resigned 1998-03-18
COSEC LIMITED→
Resignedcorporate-nominee-director · appointed 1998-03-18 · resigned 1998-03-18
Click a director name to see their full track record across all companies.
Mortgages & charges
28
Total charges
18
Outstanding
6
Active lenders
Status:Lender:28 of 28 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Elsick Farms Elsick Farms Limited | A registered charge | 2 properties | 23/12/2025 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | 1 property | 05/08/2025 | — | |
| outstanding | Alistair Granville Gordon, the Earl of Aboyne / Andrew James Ronald Lindsay | A registered charge | 1 property | 11/07/2025 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | 1 property | 12/09/2024 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | 1 property | 12/09/2024 | — | |
| outstanding | Elsick Development Company (SC347375) Elsick Development Company Limited (SC347375) | A registered charge | 1 property | 06/09/2022 | — | |
| satisfied | Elsick Farms (01216593) as Trustee of the Late Most Noble James George Alexander Bannerman Carnegie, Duke of Fife Elsick Farms Limited (01216593) as Trustee of the Late Most Noble James George Alexander Bannerman Carnegie, Duke of Fife | A registered charge | 1 property | 06/09/2022 | 13/03/2023 | |
| outstanding | Santander Santander UK PLC | A registered charge | 1 property | 14/04/2021 | — | |
| satisfied | Elsick Farms (01216593) as Trustee of the Late Most Noble James George Alexander Bannerman Carnegie, Duke of Fife Elsick Farms Limited (01216593) as Trustee of the Late Most Noble James George Alexander Bannerman Carnegie, Duke of Fife | A registered charge | 1 property | 01/03/2021 | 03/12/2021 | |
| satisfied | Elsick Development Company (SC347375) Elsick Development Company Limited (SC347375) | A registered charge | 1 property | 01/03/2021 | 24/05/2023 | |
| outstanding | Santander Santander UK PLC | A registered charge | 1 property | 09/10/2020 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | 2 properties | 04/08/2020 | — | |
| outstanding | Elsick Development Company Elsick Development Company Limited | A registered charge | 1 property | 04/08/2020 | — | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 16/07/2020 | 29/01/2026 | |
| outstanding | Santander Santander UK PLC | A registered charge | 2 properties | 16/07/2020 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | 1 property | 04/07/2018 | — | |
| outstanding | Elsick Development Company Elsick Development Company Limited | A registered charge | 1 property | 16/10/2017 | — | |
| satisfied | Santander Santander UK PLC | A registered charge | 2 properties | 02/09/2016 | 01/08/2023 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 28/07/2015 | 01/08/2023 | |
| satisfied | Santander Santander UK PLC as Security Trustee for Each Group Member and Its Successors in Title and Assigns and Subsidiaries | A registered charge | 1 property | 17/07/2015 | 19/09/2018 | |
| outstanding | Santander Santander UK PLC as Security Trustee for Each Group Member and Its Successors in Title and Assigns and Subsidiaries | A registered charge | 1 property | 08/07/2015 | — | |
| outstanding | Santander Santander UK PLC as Security Trustee for Each Group Member and Its Successors in Title and Assigns and Subsidiaries | A registered charge | 1 property | 16/07/2014 | — | |
| satisfied | Santander Santander UK PLC as Security Trustee for Each Group Member and Its Successors in Title and Assigned and Subsidiaries | A registered charge | 1 property | 16/07/2014 | 16/05/2016 | |
| outstanding | Elsick Development Company / The Most Noble James George Alexander Bannerman Carnegie, Duke of Fife Elsick Development Company Limited / The Most Noble James George Alexander Bannerman Carnegie, Duke of Fife | A registered charge | 1 property | 11/07/2014 | — | |
| outstanding | Santander Santander UK PLC as Security Trustee for Each Group Member of Santander UK PLC and Its Subsidiaries Together with Its Successors in Title and Assigns | A registered charge | — | 04/07/2014 | — | |
| outstanding | Santander Santander UK PLC as Security Trustee for Each Group Member of Santander UK PLC and Its Subsidiaries | A registered charge | — | 04/07/2014 | — | |
| satisfied | Andrew Alastair Hendron | Standard security | 1 property | 09/02/2012 | 01/07/2014 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Debenture | 1 property | 27/01/1999 | 07/06/2011 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (134 total)
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-12
accounts-with-accounts-type-full
accounts · AA
2024-12-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-23
accounts-with-accounts-type-full
accounts · AA
2024-03-21
mortgage-satisfy-charge-full
mortgage · MR04
2023-08-01
mortgage-satisfy-charge-full
mortgage · MR04
2023-08-01
mortgage-satisfy-charge-full
mortgage · MR04
2023-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-17