GEORGE HEPBURN LIMITED

🌳Matureactive

04610664 · ltd · incorporated 2002-12-06

Investment thesis

Property vehicle with a workable charge structure — clean refinance potential.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Dependent on title and valuation due diligence; standard property risks.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 19.4y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jan 2025

Net worth

£2.78M

book net assets

Opportunity

82/100

Exceptional

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Construction of commercial buildings

Sector: Construction

ALSO REGISTERED FOR

41202Construction of domestic buildings
43320Joinery installation
43390Other building completion and finishing

Investor take

Pursue

Active trading company with a 86-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 86). 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 19.4y

65/100

clean up first

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

· Oldest live charge is 19.4 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 25/100 — workable, but lender will want more DD.

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, 4 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

5 officers (3 active, 5 linked, 2 with DOB)

Ownership & PSC

3 active PSC(s) of 3 total, 3 with control declared

Director network

1 connected companies via shared directors

Filing history

62 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £2,783,354

Cash YoY

+0%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£1.7m

~ YoY

Net Worth

£2.8m

↑ 4.2% YoY

Current Assets

£1.8m

~ YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-01-31	2024-01-31
Total assets	£2.88M	£2.78M
Current assets	£1.81M	£1.82M
Cash	£1.69M	£1.69M
Debtors	£112.6k	£127.6k
Net assets	£2.78M	£2.67M

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (24 events)Click to expand

2025-08-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-13
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-03
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2019-12-03
📄
change-person-director-company-with-change-date
officers · CH01
2019-10-08
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-12-04
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-12-04
📄
change-person-director-company-with-change-date
officers · CH01
2018-08-24
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2017-10-26
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2016-10-18
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-12-14
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2006-12-15
🔒
Charge registered #1
Lender: Barclays Bank PLC
2003-06-30
➕
HEPBURN, George James, Mr. appointed
director
2002-12-06
🏢
Company incorporated
As GEORGE HEPBURN LIMITED
2002-12-06
➕
HEPBURN, Kathleen appointed
secretary
2002-12-06
➕
HEPBURN, George, Mr. appointed
director
2002-12-06
➕
TEMPLE SECRETARIES LIMITED appointed
corporate-nominee-secretary
2002-12-06
➖
TEMPLE SECRETARIES LIMITED resigned
corporate-nominee-secretary
2002-12-06
➕
COMPANY DIRECTORS LIMITED appointed
corporate-nominee-director
2002-12-06
➖
COMPANY DIRECTORS LIMITED resigned
corporate-nominee-director

Owner dependency

100/100

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.
+Founder name in company name: Company name contains director surname "HEPBURN" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 86 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 86 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 23 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

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

3 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr. George Hepburn Individual · British · DOB 05/1940 · age 86	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Mrs. Kathleen Hepburn Individual · British · DOB 10/1944 · age 82	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Mr. George James Hepburn Individual · British · DOB 12/1966 · age 60	25–50%	25–50%	25-50% shares · 25-50% 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

Active · Construction · TD postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
HEATECH (HAWICK) LIMITED→ SC425542 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
HOLIDAY HOLMES LIMITED→ 10400064 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
IAN LAW (BUILDERS) LIMITED→ 04861033 · est 2003 · no financials extracted	—	—	—	—	22y	—	—
IGLO PROPERTIES LTD→ 10587682 · est 2017 · no financials extracted	—	—	—	—	9y	—	—
INDICA HOLDINGS LTD→ 10593887 · est 2017 · no financials extracted	—	—	—	—	9y	—	—
INDICA HOMES (EGLINGHAM) LTD→ 13252104 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
INDICA HOMES (GLANTON) LTD→ 13389368 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
INDICA HOMES LTD→ 11445548 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
INDICA PROPERTIES LTD→ 10119219 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
INNBRO LTD→ SC713871 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
J N WOOD & SON LIMITED→ SC839118 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
J. A. WILSON CONTRACTORS LTD→ SC410204 · est 2011 · no financials extracted	—	—	—	—	14y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

7 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

Incorporated2002-12-06

Jurisdictionengland-wales

Primary SIC41201 — Construction of commercial buildings

Registered office

Traquair

Etal Road, Tweedmouth

Berwick Upon Tweed

Northumberland

TD15 2DU

Filing status

Accounts

Next due: 2026-10-31

Last made up to: 2025-01-31

Confirmation statement

Next due: 2026-12-20

Last: 2025-12-06

Officers (3 active · 2 resigned)

HEPBURN, Kathleen→

secretary · appointed 2002-12-06

View their other companies + combined net worth →

Active

HEPBURN, George James, Mr.→

director · ~60y · appointed 2003-06-30

View their other companies + combined net worth →

Active

HEPBURN, George, Mr.→

director · ~86y · appointed 2002-12-06

View their other companies + combined net worth →

Active

TEMPLE SECRETARIES LIMITED→

corporate-nominee-secretary · appointed 2002-12-06 · resigned 2002-12-06

Resigned

COMPANY DIRECTORS LIMITED→

corporate-nominee-director · appointed 2002-12-06 · resigned 2002-12-06

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	Barclays Barclays Bank PLC	Legal charge	1 property	15/12/2006	—

Click column headers to sort. Use filters above to narrow by status and lender.