HMC HOLDINGS LIMITED
🌳Matureactive
SC005669 · ltd · incorporated 1904-07-21
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
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 81-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 62/100. Strong seller-intent signal (65/100, director aged 81). 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 (65/100).
🏦
Refinance opportunity
6 live charges · 3 lenders · oldest 42.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 42.7 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (57/100)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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
7 officers (4 active, 7 linked, 5 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
106 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
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
0
filings
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
- 2025-05-28📄accounts-with-accounts-type-smallaccounts · AA
- 2025-02-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-02-25🔓Charge satisfied #5
- 2024-06-14📄accounts-with-accounts-type-smallaccounts · AA
- 2023-09-13📄accounts-with-accounts-type-smallaccounts · AA
- 2022-07-15📄accounts-with-accounts-type-smallaccounts · AA
- 2022-03-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-03-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-03-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-03-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-03-04🔓Charge satisfied #6
- 2022-03-04🔓Charge satisfied #3
- 2022-03-04🔓Charge satisfied #1
- 2022-03-04🔓Charge satisfied #2
- 2021-09-30📄accounts-with-accounts-type-smallaccounts · AA
- 2020-10-05📄accounts-with-accounts-type-smallaccounts · AA
- 2019-06-25📄accounts-with-accounts-type-smallaccounts · AA
- 2018-05-23📄accounts-with-accounts-type-smallaccounts · AA
- 2017-09-24📄accounts-with-accounts-type-smallaccounts · AA
- 2016-09-08📄accounts-with-accounts-type-smallaccounts · AA
- 2016-07-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2016-07-05🔒Charge registered #6Lender: The Royal Bank of Scotland PLC
- 2016-05-23🔒Charge registered #5Lender: Irvine Bay Developments Limited
- 2006-03-15➕WATSON, James William Ronald appointeddirector
- 2002-12-20🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 1998-09-07🔒Charge registered #3Lender: North Lanarkshire Council
- 1995-08-04➖WATSON, Ian Stirling Thomson resigneddirector
- 1990-09-30➖GILLIS, Cecil resigneddirector
- 1990-09-28➕JOHNSTON, Robert Alan William appointedsecretary
- 1990-09-28➖GILLIS, Cecil resignedsecretary
- 1988-10-05🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1983-08-16🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 1904-07-21🏢Company incorporatedAs HMC HOLDINGS LIMITED
Owner dependency
83/100
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
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 81 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
90/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 122 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
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Robert Alan William Johnston Individual · British · DOB 08/1948 · age 78 | — | — | sig. influencesignificant influence | 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 · Property · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| FORT PROPERTY LTD→ SC552065 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| FPA HOUSING LTD→ SC766607 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| GREENLEAF PROP CO LIMITED→ SC611005 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| GRO COFFEE BARS LIMITED→ SC845594 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| H&K HOTELS GROUP LIMITED→ SC737312 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| H&R MILESTONE PROPERTY LTD→ SC738381 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| HALF FULL DEVELOPMENTS LTD.→ SC270066 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| HIGHFORD HOMES LIMITED→ SC755531 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| HIGHLAND ESTATE CARE LTD→ SC825625 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| HILLEND ENTERPRISES LIMITED→ SC414843 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| HLC AYRSHIRE PROPERTY INVESTMENTS LTD→ SC847475 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HMC MAKEUP STUDIOS LTD→ SC646356 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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
Incorporated1904-07-21
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
30 Ballot Road
Irvine
Ayrshire
KA12 0HW
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-05-26
Last: 2025-05-12
Officers (4 active · 3 resigned)
JOHNSTON, Robert Alan William→
Activesecretary · appointed 1990-09-28
View their other companies + combined net worth →
Active
WATSON, James William Ronald→
Activedirector · ~53y · appointed 2006-03-15
View their other companies + combined net worth →
Active
GILLIS, Cecil→
Resignedsecretary · resigned 1990-09-28
GILLIS, Cecil→
Resigneddirector · ~98y · resigned 1990-09-30
WATSON, Ian Stirling Thomson→
Resigneddirector · ~90y · resigned 1995-08-04
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
1
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 05/07/2016 | 04/03/2022 | |
| satisfied | Irvine Bay Developments Irvine Bay Developments Limited | A registered charge | 1 property | 23/05/2016 | 25/02/2025 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 20/12/2002 | — | |
| satisfied | North Lanarkshire Council | Standard security | 1 property | 07/09/1998 | 04/03/2022 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 2 properties | 05/10/1988 | 04/03/2022 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 16/08/1983 | 04/03/2022 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (106 total)
accounts-with-accounts-type-small
accounts · AA
2025-05-28
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-21
mortgage-satisfy-charge-full
mortgage · MR04
2025-02-25
accounts-with-accounts-type-small
accounts · AA
2024-06-14
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-23
accounts-with-accounts-type-small
accounts · AA
2023-09-13
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-24
accounts-with-accounts-type-small
accounts · AA
2022-07-15
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-23
mortgage-satisfy-charge-full
mortgage · MR04
2022-03-04
mortgage-satisfy-charge-full
mortgage · MR04
2022-03-04
mortgage-satisfy-charge-full
mortgage · MR04
2022-03-04
mortgage-satisfy-charge-full
mortgage · MR04
2022-03-04
accounts-with-accounts-type-small
accounts · AA
2021-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-12