RUTTERFORD LIMITED
🌳Matureactive
SC056222 · ltd · incorporated 1974-08-19
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 Mar 2025
Net worth
—
book net assets
Opportunity
73/100
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. Family succession underway — not a classic acquisition target.
Opportunity 73/100 (strong), bankability 57/100. Same-surname younger director in place — likely family handover, not open to sale. Biggest value-creation lever: Consolidate lender relationships. 15 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
40 live charges · 15 lenders · oldest 45.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 45.9 years old — likely at or near maturity.
- · 15 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (83/100)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
40 charges (40/40 with lender, 40/40 with type)
90
Directors & officers
10 officers (4 active, 10 linked, 5 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
21 connected companies via shared directors
90
Filing history
213 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 600 | 600 |
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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (99 events)Click to expand
- 2025-06-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-05-16➕RUTTERFORD, Daniel Michael Strachan appointeddirector
- 2021-11-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-12-03🔒Charge registered #56Lender: Svenska Handelsbanken Ab (Publ)
- 2018-02-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-01-23🔒Charge registered #55Lender: Svenska Handelsbanken Ab (Publ)
- 2017-12-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-10-28🔓Charge satisfied #53
- 2017-09-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-09-20🔓Charge satisfied #50
- 2017-01-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-01-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-01-20🔒Charge registered #49Lender: Svenska Handelsbanken Ab (Pubi)
- 2017-01-20🔒Charge registered #48Lender: Svenska Handelsbanken Ab (Pubi)
- 2017-01-19🔒Charge registered #54Lender: Svenska Handelsbanken Ab (Pubi)
- 2017-01-19🔒Charge registered #53Lender: Svenska Handelsbanken Ab (Pubi)
- 2017-01-19🔒Charge registered #52Lender: Svenska Handelsbanken Ab (Publ)
- 2017-01-19🔒Charge registered #51Lender: Svenska Handelsbanken Ab (Pubi)
- 2017-01-19🔒Charge registered #50Lender: Svenska Handelsbanken Ab (Pubi)
- 2017-01-19🔓Charge satisfied #19
- 2017-01-18🔓Charge satisfied #45
- 2017-01-18🔓Charge satisfied #44
- 2017-01-18🔓Charge satisfied #43
- 2017-01-18🔓Charge satisfied #42
- 2017-01-18🔓Charge satisfied #41
- 2017-01-18🔓Charge satisfied #40
- 2017-01-18🔓Charge satisfied #39
- 2017-01-18🔓Charge satisfied #38
- 2017-01-18🔓Charge satisfied #37
- 2017-01-18🔓Charge satisfied #36
- 2017-01-18🔓Charge satisfied #35
- 2017-01-18🔓Charge satisfied #34
- 2017-01-16🔒Charge registered #46Lender: Svenska Handelsbanken Ab (Publ)
- 2017-01-13🔒Charge registered #47Lender: Svenska Handelsbanken Ab (Publ)
- 2016-11-01➕MCFADDEN ASSOCIATES LIMITED appointedcorporate-secretary
- 2016-11-01➖MBM SECRETARIAL SERVICES LIMITED resignedcorporate-secretary
- 2012-02-23🔒Charge registered #45Lender: Bank of Scotland PLC
- 2006-04-27🔒Charge registered #44Lender: Northern Rock PLC
- 2006-02-08🔒Charge registered #43Lender: The Governor and Company of the Bank of Scotland
- 2006-02-08🔒Charge registered #42Lender: The Governor and Company of the Bank of Scotland
- 2003-01-16🔒Charge registered #41Lender: The Governor and Company of the Bank of Scotland
Showing most recent 50 of 99 events
Owner dependency
88/100
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 "RUTTERFORD" — strong identity link between founder and business.
- +Founder age: Director aged approximately 79 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- primaryFamily succession underway: Not a takeover target — RUTTERFORD, Daniel Michael Strachan (same surname) appointed 2022-05-16. Pattern consistent with intra-family handover.
- primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
- secondaryStable-but-static management: Company is 52 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
9 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Rutterford (Holdings) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Rutterford (Holdings) Limited
Corporate parent · holds 75-100% shares
⬇
RUTTERFORD LIMITED
This company · SC056222
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Rutterford (Holdings) Limited Corporate entity | 75–100% | — | 75-100% shares | 01/07/2016 |
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 · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| STERNBERG STAR LIMITED→ SC209121 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| STRAITON BUSINESS PARCS LTD→ SC300568 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| STRAND ESTATES SCOTLAND LTD→ SC709953 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| STRUCTUS LIMITED→ SC267775 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| SUNNYSIDE HOMES (BIRKWOOD) FIVE LIMITED→ SC869547 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SUNNYSIDE HOMES (BIRKWOOD) ONE LIMITED→ SC868685 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SUNSHINE ON LEITH LTD→ SC199364 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| SUPA DEURALI PROPERTY LTD→ SC850103 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SUPHI PROPERTIES LTD→ SC569584 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| SUPREME PROPERTY RENTALS LIMITED→ SC684395 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| SUREN&ERKIS PROPERTY LTD→ SC790690 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| SURESA LIMITED→ SC824542 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated1974-08-19
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
19 Rutland Square
Edinburgh
EH1 2BB
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-20
Last: 2026-01-06
Officers (4 active · 6 resigned)
MCFADDEN ASSOCIATES LIMITED→
Activecorporate-secretary · appointed 2016-11-01
View their other companies + combined net worth →
RUTTERFORD, Daniel Michael Strachan→
Activedirector · ~49y · appointed 2022-05-16
View their other companies + combined net worth →
Active
Active
RUTTERFORD, June Georgina→
Resignedsecretary · resigned 1992-03-31
YOUNG, Eric Macfie→
Resignedsecretary · appointed 1992-03-31 · resigned 1990-08-01
YOUNG, Eric Macfie→
Resignedsecretary · appointed 1990-08-01 · resigned 1997-08-03
MBM SECRETARIAL SERVICES LIMITED→
Resignedcorporate-secretary · resigned 2016-11-01
RUTTERFORD, June Georgina→
Resigneddirector · ~79y · resigned 1992-03-31
SYSON, William Watson Cockburn→
Resigneddirector · ~96y · appointed 1991-10-02 · resigned 1999-09-30
Click a director name to see their full track record across all companies.
Mortgages & charges
40
Total charges
9
Outstanding
2
Active lenders
Status:Lender:40 of 40 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 03/12/2018 | — | |
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 23/01/2018 | — | |
| outstanding | Svenska Handelsbanken Ab (Pubi) | A registered charge | 1 property | 20/01/2017 | — | |
| outstanding | Svenska Handelsbanken Ab (Pubi) | A registered charge | 1 property | 20/01/2017 | — | |
| outstanding | Svenska Handelsbanken Ab (Pubi) | A registered charge | 1 property | 19/01/2017 | — | |
| satisfied | Svenska Handelsbanken Ab (Pubi) | A registered charge | 1 property | 19/01/2017 | 28/10/2017 | |
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 19/01/2017 | — | |
| outstanding | Svenska Handelsbanken Ab (Pubi) | A registered charge | 1 property | 19/01/2017 | — | |
| satisfied | Svenska Handelsbanken Ab (Pubi) | A registered charge | 1 property | 19/01/2017 | 20/09/2017 | |
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 16/01/2017 | — | |
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | — | 13/01/2017 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 23/02/2012 | 18/01/2017 | |
| satisfied | Northern Rock Northern Rock PLC | Equitable charge | 1 property | 27/04/2006 | 18/01/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 08/02/2006 | 18/01/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 08/02/2006 | 18/01/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 16/01/2003 | 18/01/2017 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 16/02/2001 | 18/01/2017 | |
| satisfied | Secretary of State for Defence | Standard security | 1 property | 17/06/1999 | 18/01/2017 | |
| satisfied | The Secretary of State for Defence | Standard security | 1 property | 03/12/1998 | 18/01/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 18/03/1998 | 18/01/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 16/04/1997 | 18/01/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 23/07/1996 | 18/01/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 15/11/1988 | 18/01/2017 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 14/06/1988 | 19/01/2017 | |
| satisfied | Standard Property Investment Standard Property Investment PLC | Standard security | 1 property | 14/01/1986 | 28/07/1988 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 13/12/1985 | 28/07/1988 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Mandate | 1 property | 14/10/1985 | 26/02/1986 | |
| satisfied | Standard Property Investment Standard Property Investment PLC | Standard security | 1 property | 21/11/1984 | 08/06/1988 | |
| satisfied | Standard Property Investment Standard Property Investment PLC | Standard security | 1 property | 21/02/1984 | 28/07/1988 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 18/02/1984 | 28/07/1988 | |
| satisfied | Standard Property Investment Standard Property Investment PLC | Standard security | 1 property | 02/02/1984 | 28/07/1988 | |
| satisfied | Standard Property Investment Standard Property Investment PLC | Standard security | 1 property | 02/12/1983 | 28/07/1988 | |
| satisfied | W M Mann & Co (Investments) W M Mann & Co (Investments) LTD | Standard security | 1 property | 11/08/1983 | 28/07/1988 | |
| satisfied | W M Mann Co (Investments) W M Mann Co (Investments) LTD | Standard security | 1 property | 03/09/1981 | 28/07/1988 | |
| satisfied | W M Mann Co (Investments) W M Mann Co (Investments) LTD | Standard security | 1 property | 26/08/1981 | 28/07/1988 | |
| satisfied | W M Mann Co (Investments) W M Mann Co (Investments) LTD | Standard security | 1 property | 26/08/1981 | 28/07/1988 | |
| satisfied | W M Mann Co (Investments) W M Mann Co (Investments) LTD | Standard security | 1 property | 26/08/1981 | 28/07/1988 | |
| satisfied | W M Mann Co. (Investments) W M Mann Co. (Investments) LTD | Standard security | 3 properties | 26/08/1981 | 28/07/1988 | |
| satisfied | Allied Irish Finance Company Allied Irish Finance Company Limited | Standard security | 1 property | 23/06/1980 | 28/07/1988 | |
| satisfied | Allied Irish Finance Company Allied Irish Finance Company LTD | Standard security | 1 property | 23/06/1980 | 28/07/1988 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (213 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-23
appoint-person-director-company-with-name-date
officers · AP01
2022-05-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-19