BERNISDALE HOMES LIMITED

🌳Matureactive
SC055252 · ltd · incorporated 1974-03-18
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
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
🔔
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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 67-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 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 · 4 lenders · oldest 30.0y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 30.0 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (79/100)

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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
8 officers (4 active, 8 linked, 4 with DOB)
80
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
129 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Average employees3300

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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
1
filing
  • • 1 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
3
filings
  • • 2 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
  1. 2026-04-26
    📄
    replacement-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP01CS01
  2. 2025-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-01-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-10-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2024-10-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2024-10-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2024-10-03
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  8. 2024-01-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2023-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-01-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-01-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-02-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2020-02-06
    🔒
    Charge registered #6
    Lender: Handelsbanken PLC
  14. 2020-01-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-01-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-08-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2018-08-13
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  18. 2018-08-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2017-12-13
    ➖
    DICKSON, John Graham resigned
    director
  20. 2014-02-13
    🔓
    Charge satisfied #3
  21. 2014-02-13
    🔓
    Charge satisfied #2
  22. 2014-02-06
    🔓
    Charge satisfied #1
  23. 2014-01-29
    🔒
    Charge registered #5
    Lender: Svenska Handelsbanken Ab (Publ)
  24. 2013-09-18
    🔓
    Charge satisfied #4
  25. 2002-10-12
    ➕
    DICKSON, Ana Lachlan Rowan appointed
    secretary
  26. 2002-10-12
    ➖
    ALEXANDER, Jennifer Ann resigned
    secretary
  27. 2001-02-02
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  28. 1997-02-01
    ➕
    DICKSON, Ana Lachlan Rowan appointed
    director
  29. 1996-08-12
    🔒
    Charge registered #3
    Lender: Scottish Homes
  30. 1996-08-12
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  31. 1996-05-15
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  32. 1996-03-03
    ➕
    ALEXANDER, Jennifer Ann appointed
    director
  33. 1996-03-03
    ➕
    DICKSON, Graham William John appointed
    director
  34. 1989-12-31
    ➖
    DICKSON, John Graham resigned
    secretary
  35. 1989-12-31
    ➖
    DICKSON, Jean Arthur resigned
    director
  36. 1974-03-18
    🏢
    Company incorporated
    As BERNISDALE HOMES LIMITED

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 52 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
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Bernisdale Investments Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Bernisdale Investments Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
BERNISDALE HOMES LIMITED
This company · SC055252

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

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Bernisdale Investments Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016
Ms Ana Lachlan Rowan Dickson
Individual · British · DOB 10/1968 · age 58
——sig. influencesignificant influence01/05/2016

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 →

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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
Incorporated1974-03-18
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

1a Rosebery Crescent Lane
Edinburgh
Lothian
EH12 5JR

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-01-14
Last: 2025-12-31

Officers (4 active · 4 resigned)

DICKSON, Ana Lachlan Rowan→
secretary · appointed 2002-10-12
View their other companies + combined net worth →
Active
ALEXANDER, Jennifer Ann→
director · ~67y · appointed 1996-03-03
View their other companies + combined net worth →
Active
DICKSON, Ana Lachlan Rowan→
director · ~58y · appointed 1997-02-01
View their other companies + combined net worth →
Active
DICKSON, Graham William John→
director · ~62y · appointed 1996-03-03
View their other companies + combined net worth →
Active
ALEXANDER, Jennifer Ann→
secretary · resigned 2002-10-12
Resigned
DICKSON, John Graham→
secretary · resigned 1989-12-31
Resigned
DICKSON, Jean Arthur→
director · resigned 1989-12-31
Resigned
DICKSON, John Graham→
director · ~95y · resigned 2017-12-13
Resigned

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

Mortgages & charges

6
Total charges
2
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Handelsbanken
Handelsbanken PLC
A registered charge1 property06/02/2020—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property29/01/2014—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge2 properties02/02/200118/09/2013
satisfied
Scottish Homes
Standard security1 property12/08/199613/02/2014
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property12/08/199613/02/2014
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property15/05/199606/02/2014
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (129 total)

replacement-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP01CS01
2026-04-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-31
change-person-director-company-with-change-date
officers · CH01
2024-10-03
change-person-director-company-with-change-date
officers · CH01
2024-10-03
change-person-director-company-with-change-date
officers · CH01
2024-10-03
change-person-secretary-company-with-change-date
officers · CH03
2024-10-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-04