HUGH MACPHERSON (SCOTLAND) LIMITED
🌳Matureactive
SC024888 · ltd · incorporated 1946-12-30
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.
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 29.2y 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 Jan 2026
Net worth
£433.2k
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
PursueAsset-holding vehicle with a 87-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (73/100, director aged 87). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
2 live charges · oldest 29.2y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 29.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (70/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (4 active, 7 linked, 4 with DOB)
81
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
1 connected companies via shared directors
48
Filing history
100 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
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
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £433,205
Cash YoY
+6%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£226k
↑ 5.5% YoY
Net Worth
£433k
↑ 3.2% YoY
Current Assets
£226k
↑ 5.5% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2026-01-31 | 2025-01-31 |
|---|---|---|
| Total assets | £433.2k | £419.8k |
| Current assets | £226.1k | £214.2k |
| Cash | £226.1k | £214.2k |
| Net assets | £433.2k | £419.8k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-03-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-24🔓Charge satisfied #2
- 2025-09-18📄memorandum-articlesincorporation · MA
- 2025-09-18📄resolutionresolution · RESOLUTIONS
- 2025-08-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-11➕MACPHERSON CAIRNS, Susan Jane appointeddirector
- 2025-06-25➕CAIRNS, Grahame Allan appointeddirector
- 2025-04-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-07-13🔓Charge satisfied #1
- 1999-09-18➖ROSS, Alison Adamson resigneddirector
- 1998-04-01➕ROSS, Alison Adamson appointeddirector
- 1997-05-23🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 1997-04-28🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1989-12-15➕CAIRNS, Susan appointedsecretary
- 1989-12-15➖PRENTICE, Douglas Sutherland resignedsecretary
- 1989-12-15➖PRENTICE, Douglas Sutherland resigneddirector
- 1946-12-30🏢Company incorporatedAs HUGH MACPHERSON (SCOTLAND) LIMITED
Owner dependency
80/100
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
- +Founder name in company name: Company name contains director surname "MACPHERSON" — strong identity link between founder and business.
- +Founder age: Director aged approximately 87 — succession pressure is live.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 87 years old. Natural succession window is now.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
🔒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 · FK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| JS PROPERTY (SCOTLAND) LIMITED→ SC265091 · est 2004 | £838.4k £712.6k–£964.1k | — | £838.4k | — | 22y | 82 | 66y |
| LLAFRANC PROPERTIES LIMITED→ SC213190 · est 2000 | £765.8k £650.9k–£880.6k | — | £765.8k | — | 25y | 82 | 67y |
| VILLAFIELD LTD.→ SC339039 · est 2008 | £533.9k £453.8k–£614.0k | — | £533.9k | — | 18y | 82 | 58y |
| CHURCH STREET INVESTMENTS (INVERNESS) LIMITED→ SC296811 · est 2006 | £472.3k £401.4k–£543.1k | — | £472.3k | — | 20y | 82 | 67y |
| R & H PROPERTIES LTD.→ SC197981 · est 1999 | £447.6k £380.5k–£514.8k | — | £447.6k | — | 26y | 82 | 66y |
| DIS INVESTMENTS LIMITED→ SC228996 · est 2002 | £372.7k £316.8k–£428.6k | — | £372.7k | — | 24y | 82 | 64y |
| CHINA PALACE (GLASGOW) LIMITED→ SC309502 · est 2006 | £232.6k £197.7k–£267.5k | — | £232.6k | — | 19y | 81 | 64y |
| A. MCCALLUM (PROPERTIES) LIMITED→ SC148001 · est 1993 | £168.8k £143.5k–£194.1k | — | £168.8k | — | 32y | 82 | 60y |
| CENTRAL SCOTLAND HOMES LIMITED→ SC351414 · est 2008 | £134.5k £114.3k–£154.6k | — | £134.5k | — | 17y | 82 | 93y |
| VIRGIL LTD.→ SC370740 · est 2010 | £115.5k £98.2k–£132.9k | — | £115.5k | — | 16y | 82 | 58y |
| ALPHA EQUITIES LIMITED→ SC331034 · est 2007 | £105.8k £89.9k–£121.6k | — | £105.8k | — | 18y | 83 | 63y |
| SOLSO LIMITED→ SC334086 · est 2007 | £57.5k £48.9k–£66.1k | — | £57.5k | — | 18y | 83 | 60y |
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
Incorporated1946-12-30
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
6 Bryden Road
Whins Of Milton
Stirling
FK7 8FJ
Filing status
Accounts
Next due: 2027-10-31
Last made up to: 2026-01-31
Confirmation statement
Next due: 2026-10-08
Last: 2025-09-24
Officers (4 active · 3 resigned)
Active
CAIRNS, Grahame Allan→
Activedirector · ~65y · appointed 2025-06-25
View their other companies + combined net worth →
Active
MACPHERSON CAIRNS, Susan Jane→
Activedirector · ~63y · appointed 2025-07-11
View their other companies + combined net worth →
PRENTICE, Douglas Sutherland→
Resignedsecretary · resigned 1989-12-15
PRENTICE, Douglas Sutherland→
Resigneddirector · resigned 1989-12-15
ROSS, Alison Adamson→
Resigneddirector · ~67y · appointed 1998-04-01 · resigned 1999-09-18
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 23/05/1997 | 24/10/2025 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 28/04/1997 | 13/07/2015 |
Recent filings (100 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-16
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-03
memorandum-articles
incorporation · MA
2025-09-18
resolution
resolution · RESOLUTIONS
2025-09-18
appoint-person-director-company-with-name-date
officers · AP01
2025-08-06
appoint-person-director-company-with-name-date
officers · AP01
2025-08-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-01
confirmation-statement-with-updates
confirmation-statement · CS01
2021-11-01