CHARTERED HOMES LIMITED

🌳Matureactive
SC115071 · ltd · incorporated 1988-12-12
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 16.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£540.6k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Construction of domestic buildings
Sector: Construction
Investor take
Pursue
Asset-holding vehicle with a 79-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 79). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 16.8y

85/100
ready

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

  • · Oldest live charge is 16.8 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · 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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 4 with DOB)
83
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
96 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £540,568

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£541k
~ YoY
Current Assets
—
Current Liabilities
—
£0£108k£216k£324k£432k£541kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Total assets£400.0k£400.0k
Net assets£540.6k£540.6k

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

Recent activity

Last 30 days
3
filings
  • • 2 confirmation-statement
  • • 1 accounts
Last 90 days
3
filings
  • • 2 confirmation-statement
  • • 1 accounts
Last 180 days
3
filings
  • • 2 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2026-04-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-06-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-04-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-03-28
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  6. 2023-03-01
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  7. 2023-03-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2023-02-04
    ➖
    MULHOLLAND, Peter Trevor Frederick resigned
    director
  9. 2022-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2022-02-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2022-02-24
    🔓
    Charge satisfied #1
  12. 2021-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2020-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2019-04-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2018-05-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2017-04-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2009-07-02
    🔒
    Charge registered #1
    Lender: Angus Mackinlay and Another
  18. 2004-05-04
    ➕
    BREEN, Kevin Preston Rees appointed
    secretary
  19. 2004-05-04
    ➖
    SNEDDEN, John Russell resigned
    secretary
  20. 2002-09-01
    ➕
    MULHOLLAND, Peter David appointed
    director
  21. 1996-05-17
    ➕
    MULHOLLAND, Irene appointed
    director
  22. 1996-05-17
    ➖
    MULHOLLAND, George David resigned
    director
  23. 1988-12-12
    🏢
    Company incorporated
    As CHARTERED HOMES LIMITED

Owner dependency

91/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
  • +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

96/100
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 79 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 37 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.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Irene Mulholland
Individual · Scottish · DOB 04/1947 · age 79
75–100%
—75-100% shares04/02/2023
1 historic (ceased) PSC
  • Mr Trevor Mulhollandceased 04/02/2023· 25-50% shares · 25-50% voting · board control

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
Incorporated1988-12-12
Jurisdictionscotland
Primary SIC41202 — Construction of domestic buildings

Registered office

Polbeth Industrial Estate
West Calder
West Lothian
EH55 8TJ

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-05-08
Last: 2026-04-24

Officers (3 active · 3 resigned)

BREEN, Kevin Preston Rees→
secretary · appointed 2004-05-04
View their other companies + combined net worth →
Active
MULHOLLAND, Irene→
director · ~79y · appointed 1996-05-17
View their other companies + combined net worth →
Active
MULHOLLAND, Peter David→
director · ~51y · appointed 2002-09-01
View their other companies + combined net worth →
Active
SNEDDEN, John Russell→
secretary · resigned 2004-05-04
Resigned
MULHOLLAND, George David→
director · ~84y · resigned 1996-05-17
Resigned
MULHOLLAND, Peter Trevor Frederick→
director · ~79y · resigned 2023-02-04
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Angus Mackinlay and Another
Standard security1 property02/07/200924/02/2022

Recent filings (96 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-24
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-06
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-30
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-16
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-28
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-03-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-03-01
termination-director-company-with-name-termination-date
officers · TM01
2023-03-01
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-29
mortgage-satisfy-charge-full
mortgage · MR04
2022-02-24