CARDROSS ESTATES LIMITED

🌳Matureactive
SC129609 · ltd · incorporated 1991-01-28
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 32.3y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
🔔
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pursue
Conservative operator with a 63-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (60/100, director aged 63). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (78/100).

🏦

Refinance opportunity

9 live charges · 2 lenders · oldest 32.3y

80/100
ready

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

  • · Oldest live charge is 32.3 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.
  • · Profitable and stable/growing — lender coverage supportable.

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
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
8 officers (4 active, 8 linked, 4 with DOB)
80
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
130 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
85
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 102
Profitable
Profit before tax £140,408

Key financials

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

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-08-312024-08-31
Profit before tax£140.4k£119.2k
Average employees00

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

🔒Filing-note intelligence

3 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
2
filings
  • • 1 confirmation-statement
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (46 events)Click to expand
  1. 2026-02-02
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-01-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-11-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-11-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-12-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-12-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-02-15
    📄
    accounts-with-accounts-type-full
    accounts · AA
  8. 2021-12-09
    ➖
    BUCHANAN, James Stuart resigned
    director
  9. 2021-12-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2020-12-17
    📄
    accounts-with-accounts-type-small
    accounts · AA
  11. 2019-12-11
    📄
    accounts-with-accounts-type-small
    accounts · AA
  12. 2018-12-03
    📄
    accounts-with-accounts-type-small
    accounts · AA
  13. 2018-04-20
    📄
    accounts-with-accounts-type-full
    accounts · AA
  14. 2017-01-25
    📄
    accounts-with-accounts-type-full
    accounts · AA
  15. 2016-02-18
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2016-01-06
    📄
    accounts-with-accounts-type-full
    accounts · AA
  17. 2012-06-29
    🔓
    Charge satisfied #9
  18. 2004-07-05
    🔒
    Charge registered #9
    Lender: The Governor and Company of the Bank of Scotland
  19. 2004-06-26
    🔓
    Charge satisfied #5
  20. 2004-06-26
    🔓
    Charge satisfied #4
  21. 2004-04-29
    🔓
    Charge satisfied #8
  22. 2004-04-29
    🔓
    Charge satisfied #7
  23. 2004-04-29
    🔓
    Charge satisfied #6
  24. 2004-04-29
    🔓
    Charge satisfied #3
  25. 2004-04-29
    🔓
    Charge satisfied #2
  26. 2004-04-29
    🔓
    Charge satisfied #1
  27. 1994-06-07
    🔒
    Charge registered #8
    Lender: The Royal Bank of Scotland PLC
  28. 1994-06-03
    🔒
    Charge registered #7
    Lender: The Royal Bank of Scotland PLC
  29. 1994-06-03
    🔒
    Charge registered #6
    Lender: The Royal Bank of Scotland PLC
  30. 1994-06-03
    🔒
    Charge registered #5
    Lender: The Royal Bank of Scotland PLC
  31. 1994-06-03
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  32. 1994-04-28
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  33. 1994-04-28
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  34. 1994-04-02
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  35. 1992-02-28
    ➕
    BUCHANAN, Allan Stuart appointed
    secretary
  36. 1992-02-28
    ➕
    BUCHANAN, Gordon David Colin appointed
    director
  37. 1992-02-28
    ➖
    BUCHANAN, Gordon David Colin resigned
    secretary
  38. 1991-10-25
    ➕
    BUCHANAN, James Stuart appointed
    director
  39. 1991-03-19
    ➕
    BUCHANAN, Allan Stuart appointed
    director
  40. 1991-03-19
    ➕
    TURK, Carolyn Fiona appointed
    director
  41. 1991-03-19
    ➕
    BUCHANAN, Gordon David Colin appointed
    secretary
  42. 1991-03-19
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  43. 1991-03-19
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    corporate-nominee-director
  44. 1991-01-28
    🏢
    Company incorporated
    As CARDROSS ESTATES LIMITED
  45. 1991-01-28
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  46. 1991-01-28
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Long-tenure founder: Senior director has been in place 35 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.
  • +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 63. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 35 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 35 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.

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Allan Stuart Buchanan
Individual · British · DOB 08/1963 · age 63
25–50%
—25-50% shares06/04/2016
Mr Gordon David Colin Buchanan
Individual · British · DOB 12/1970 · age 56
25–50%
—25-50% shares06/04/2016
Mrs Carolyn Fiona Turk
Individual · British · DOB 07/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated1991-01-28
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

8 Craigcrook Road
Edinburgh
Lothian
EH4 3NQ

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2027-02-11
Last: 2026-01-28

Officers (4 active · 4 resigned)

BUCHANAN, Allan Stuart→
secretary · appointed 1992-02-28
View their other companies + combined net worth →
Active
BUCHANAN, Allan Stuart→
director · ~63y · appointed 1991-03-19
View their other companies + combined net worth →
Active
BUCHANAN, Gordon David Colin→
director · ~56y · appointed 1992-02-28
View their other companies + combined net worth →
Active
TURK, Carolyn Fiona→
director · ~59y · appointed 1991-03-19
View their other companies + combined net worth →
Active
BUCHANAN, Gordon David Colin→
secretary · appointed 1991-03-19 · resigned 1992-02-28
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 1991-01-28 · resigned 1991-03-19
Resigned
BUCHANAN, James Stuart→
director · ~93y · appointed 1991-10-25 · resigned 2021-12-09
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-nominee-director · appointed 1991-01-28 · resigned 1991-03-19
Resigned

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

Mortgages & charges

9
Total charges
0
Outstanding
0
Active lenders
Status:Lender:9 of 9 shown
TypeProperties
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Floating charge1 property05/07/200429/06/2012
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property07/06/199429/04/2004
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property03/06/199429/04/2004
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property03/06/199429/04/2004
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property03/06/199426/06/2004
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property03/06/199426/06/2004
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property28/04/199429/04/2004
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property28/04/199429/04/2004
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property02/04/199429/04/2004

Recent filings (130 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-06
change-person-director-company-with-change-date
officers · CH01
2026-02-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-15
accounts-with-accounts-type-full
accounts · AA
2022-02-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-28
termination-director-company-with-name-termination-date
officers · TM01
2021-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-28
accounts-with-accounts-type-small
accounts · AA
2020-12-17