BELL LAWRIE OF BIGGAR (DEVELOPMENTS) LIMITED
🌳Matureactive
SC099927 · ltd · incorporated 1986-07-07
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 39.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Development of building projects
Sector: Construction
Investor take
PursueActive trading company with a 77-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 75/100. Strong seller-intent signal (78/100, director aged 77). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
4 live charges · 2 lenders · oldest 39.1y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 39.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
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
8 officers (2 active, 8 linked, 7 with DOB)
88
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
126 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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.
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 | 2024-10-29 | 2023-10-29 |
|---|---|---|
| Average employees | 0 | 0 |
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 (36 events)Click to expand
- 2025-08-06📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-06📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-29📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-07-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-11-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-11-01📄change-person-director-company-with-change-dateofficers · CH01
- 2023-11-01📄change-person-director-company-with-change-dateofficers · CH01
- 2023-11-01📄change-person-director-company-with-change-dateofficers · CH01
- 2023-11-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-03➖BELL, Douglas Leonard Arthur resigneddirector
- 2023-07-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-28📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-07-23🔒Charge registered #4Lender: Sdh Limited
- 2021-04-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-04-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-03-23➖BELL, Gertrude Susan resigneddirector
- 2021-02-15➖BELL, Gertrude Susan resignedsecretary
- 2021-02-15📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2021-02-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-11-06➕BELL, Gillian Sarah appointeddirector
- 2020-11-06➕BELL, Douglas Leonard Arthur appointeddirector
- 2020-11-06➖LAWRIE, John Morris resigneddirector
- 2020-11-06➖LAWRIE, William Mcvinnie resigneddirector
- 2015-09-27➖BELL, Arthur John Armstrong resigneddirector
- 2004-11-19🔓Charge satisfied #3
- 2004-11-19🔓Charge satisfied #1
- 2001-05-10🔓Charge satisfied #2
- 1992-01-13🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 1990-11-29🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 1987-03-24🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1986-07-07🏢Company incorporatedAs BELL LAWRIE OF BIGGAR (DEVELOPMENTS) LIMITED
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "BELL" — strong identity link between founder and business.
- +Founder age: Director aged approximately 77 — succession pressure is live.
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 77 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 40 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.
Group structure
Sdh Limited holds 25-50% — a significant corporate investor but not a controlling parent.
🏛️significant stake
Sdh Limited
Corporate parent · holds 25-50% shares
⬇
BELL LAWRIE OF BIGGAR (DEVELOPMENTS) LIMITED
This company · SC099927
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Sdh Limited Corporate entity | 25–50% | — | 25-50% shares | 06/04/2016 |
3 historic (ceased) PSCs
- Mrs Gertrude Susan Bellceased 23/03/2021· significant influence
- Mr William Mcvinnie Lawrieceased 06/04/2016· significant influence
- Mr John Morris Lawrieceased 06/04/2016· significant influence
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 · Construction · DG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BORDER HOMES LTD→ SC388242 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| BRC CONSTRUCTION LIMITED→ SC832511 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BUILDING FUTURES GALLOWAY (TRAINING) LIMITED→ SC741111 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CONSENSUS MANAGEMENT LIMITED→ SC207701 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| CRJ CONSTRUCTION & JOINERY LIMITED→ SC640505 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| D W CONSTRUCTION AND JOINERY LIMITED→ SC262529 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| DAVID K FAULDS LTD→ SC352000 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| DIFFICULT ACCESS SERVICES LTD→ SC618222 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| DIVINE CONSTRUCTION & JOINERY LTD→ SC588288 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| DONNAN CONSTRUCTION LIMITED→ SC246369 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| DRB JOINERY & BUILDING LTD→ SC738316 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DRUMMOND & MURRAY LIMITED→ SC038018 · est 1962 · no financials extracted | — | — | — | — | 63y | — | — |
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
Incorporated1986-07-07
Jurisdictionscotland
Primary SIC41100 — Development of building projects
Registered office
123 Irish Street
Dumfries
DG1 2PE
Scotland
Filing status
Accounts
Next due: 2026-07-29
Last made up to: 2024-10-29
Confirmation statement
Next due: 2026-07-23
Last: 2025-07-09
Officers (2 active · 6 resigned)
BELL, Gillian Sarah→
Activedirector · ~52y · appointed 2020-11-06
View their other companies + combined net worth →
Active
BELL, Gertrude Susan→
Resignedsecretary · resigned 2021-02-15
BELL, Arthur John Armstrong→
Resigneddirector · ~80y · resigned 2015-09-27
BELL, Douglas Leonard Arthur→
Resigneddirector · ~45y · appointed 2020-11-06 · resigned 2023-09-03
BELL, Gertrude Susan→
Resigneddirector · ~80y · resigned 2021-03-23
LAWRIE, John Morris→
Resigneddirector · ~75y · resigned 2020-11-06
LAWRIE, William Mcvinnie→
Resigneddirector · ~77y · resigned 2020-11-06
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
1
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Sdh Sdh Limited | A registered charge | 1 property | 23/07/2021 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | 21 | 1 property | 13/01/1992 | 19/11/2004 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 29/11/1990 | 10/05/2001 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 24/03/1987 | 19/11/2004 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (126 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-06
change-person-director-company-with-change-date
officers · CH01
2025-08-06
change-person-director-company-with-change-date
officers · CH01
2025-08-06
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-29
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-29
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-07-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-07-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-11-01
change-person-director-company-with-change-date
officers · CH01
2023-11-01
change-person-director-company-with-change-date
officers · CH01
2023-11-01
change-person-director-company-with-change-date
officers · CH01
2023-11-01
termination-director-company-with-name-termination-date
officers · TM01
2023-11-01
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-17