STEWART CHRISTIE & CO (HOLDINGS) LIMITED
🌳Matureactive
SC036921 · ltd · incorporated 1961-10-27
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 45.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£525.1k
book net assets
Opportunity
77/100
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 73-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 73). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 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
4 live charges · 2 lenders · oldest 45.6y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 45.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 5 with DOB)
87
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
104 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
77/100Strong
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £525,101
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£525k
↑ 1.9% YoY
Current Assets
£59k
↑ 1.0% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £525.1k | £515.4k |
| Current assets | £59.3k | £58.7k |
| Net assets | £525.1k | £515.4k |
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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2025-10-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-10-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-12-03📄change-person-director-company-with-change-dateofficers · CH01
- 2018-12-03📄change-person-director-company-with-change-dateofficers · CH01
- 2018-01-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-01-06📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-06-30📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-09-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2012-12-12🔓Charge satisfied #2
- 2012-06-11➖MCLELLAND, Terence Martin resigneddirector
- 2001-06-29➖LOWE, Duncan Macdonald resigneddirector
- 2001-06-29➕MCLELLAND, Terence Martin appointeddirector
- 1996-02-03➖KEMP, Moira Riddell resigneddirector
- 1992-12-23🔒Charge registered #4Lender: The Governor and Company of the Bank of Scotland
- 1992-12-16➕KEMP, Moira Riddell appointeddirector
- 1985-02-25🔓Charge satisfied #1
- 1984-12-05🔒Charge registered #3Lender: The Governor and Company of the Bank of Scotland
- 1984-10-16🔒Charge registered #2Lender: The Governor and Company of the Bank of Scotland
- 1980-11-05🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1961-10-27🏢Company incorporatedAs STEWART CHRISTIE & CO (HOLDINGS) LIMITED
Owner dependency
81/100
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 73 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
76/100
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 73 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 65 years old and no new directors in the last 3 years — succession not yet being planned internally.
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Duncan Macdonald Kemp Lowe Individual · British · DOB 06/1953 · age 73 | 50–75% | — | 50-75% shares | 06/04/2016 |
Mrs Catherine Jane Lowe Individual · British · DOB 08/1956 · age 70 | 25–50% | — | 25-50% shares | 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 · TD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| LORNATRAD LIMITED→ 14418706 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| O'ROURKE PROPERTY INVESTMENTS LTD→ 11538218 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| PASTON PLACE LTD→ 16267002 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| RAMCAP LTD→ 14220443 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| SNIPE MOSS LTD→ 05758675 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| SOUTHFORK PROPERTIES LTD→ 14248847 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| STAFFORD CHARLES LIMITED→ 07130487 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| THE LIMEWORKS LTD→ 12574825 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| TPG PURCHASE LTD→ SC801640 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| TPG RESIDENTIAL LTD→ SC779415 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| TROMIE LTD→ 14338512 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| TWO BIRDS LC LIMITED→ SC872789 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated1961-10-27
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Birchlea
Welshæs Hill
Hawick
Roxburghshire
TD9 7NT.
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-06-28
Last: 2025-06-14
Officers (3 active · 3 resigned)
Active
Active
Active
KEMP, Moira Riddell→
Resigneddirector · ~120y · appointed 1992-12-16 · resigned 1996-02-03
LOWE, Duncan Macdonald→
Resigneddirector · ~109y · resigned 2001-06-29
MCLELLAND, Terence Martin→
Resigneddirector · ~63y · appointed 2001-06-29 · resigned 2012-06-11
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
2
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 23/12/1992 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 05/12/1984 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 16/10/1984 | 12/12/2012 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 05/11/1980 | 25/02/1985 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (104 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-29
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-24
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-25
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-02
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-02
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-03
confirmation-statement-with-updates
confirmation-statement · CS01
2021-06-14
confirmation-statement-with-updates
confirmation-statement · CS01
2020-06-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-06-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-08-30
confirmation-statement-with-updates
confirmation-statement · CS01
2019-06-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-12-06