H.D. (INVERNESS) LIMITED

🌳Matureactive
SC036502 · ltd · incorporated 1961-05-31
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 27.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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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 with a 88-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 88). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 27.0y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 27.0 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (58/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (5 active, 7 linked, 5 with DOB)
84
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
150 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
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
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2025-08-15
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  2. 2025-07-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-07-22
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  4. 2024-09-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-06-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-06-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-12-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-07-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-08-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2018-08-17
    🔒
    Charge registered #2
    Lender: Together Commercial Finance Limited
  12. 2018-07-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-07-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2016-08-31
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-01-18
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-07-07
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2011-12-31
    ➖
    MORRISON, Susan Jane resigned
    director
  18. 2009-10-21
    ➕
    HASSON, Michael appointed
    director
  19. 2008-06-21
    🔓
    Charge satisfied #1
  20. 1999-05-31
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  21. 1991-07-01
    ➕
    MURRAY, Ronald Mcleod appointed
    director
  22. 1990-10-03
    ➕
    HASSON, Cheryl Diane appointed
    secretary
  23. 1990-10-03
    ➕
    HASSON, Cheryl Diane appointed
    director
  24. 1990-10-03
    ➖
    BIRD SEMPLE FYFE IRELAND resigned
    corporate-secretary
  25. 1961-05-31
    🏢
    Company incorporated
    As H.D. (INVERNESS) LIMITED

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 36 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 88 — 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 candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 88 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 36 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 65 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.)

Group structure

Hms (759) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Hms (759) Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
H.D. (INVERNESS) LIMITED
This company · SC036502

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Hms (759) Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control21/07/2025
1 historic (ceased) PSC
  • Mr Michael Macfarlane Hassonceased 21/07/2025· 50-75% shares

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 →

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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
Incorporated1961-05-31
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Glenrossal House
Rosehall
Lairg
Sutherland
IV27 4BG

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-17
Last: 2025-12-03

Officers (5 active · 2 resigned)

HASSON, Cheryl Diane→
secretary · appointed 1990-10-03
View their other companies + combined net worth →
Active
HASSON, Cheryl Diane→
director · ~79y · appointed 1990-10-03
View their other companies + combined net worth →
Active
HASSON, Michael→
director · ~49y · appointed 2009-10-21
View their other companies + combined net worth →
Active
HASSON, Michael Macfarlane→
director · ~77y
View their other companies + combined net worth →
Active
MURRAY, Ronald Mcleod→
director · ~88y · appointed 1991-07-01
View their other companies + combined net worth →
Active
BIRD SEMPLE FYFE IRELAND→
corporate-secretary · resigned 1990-10-03
Resigned
MORRISON, Susan Jane→
director · ~73y · resigned 2011-12-31
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property17/08/2018—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property31/05/199921/06/2008
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (150 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-08-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-30
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-07-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-07