HAMILTONS (STIRLING) LIMITED

🌳Matureactive
SC159393 · ltd · incorporated 1995-07-26
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 29.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
£541.6k
book net assets
Opportunity
74/100
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
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 74/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 4 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

5 live charges · oldest 29.7y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 29.7 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (77/100)

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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
97 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
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 £541,634
Cash YoY
+88%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£57k
↑ 88% YoY
Net Worth
£542k
↑ 1.9% YoY
Current Assets
£61k
↑ 78% YoY
Current Liabilities
—
£0£108k£217k£325k£433k£542kOct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-10-312023-10-31
Total assets£541.6k£535.2k
Current assets£61.2k£34.4k
Cash£56.9k£30.3k
Debtors£4.3k£4.2k
Net assets£541.6k£531.4k

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 (37 events)Click to expand
  1. 2025-01-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-08-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  3. 2024-07-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-03-30
    ➖
    HAMILTON, James Stewart resigned
    director
  5. 2023-03-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-03-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-05-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-02-22
    📄
    change-corporate-secretary-company-with-change-date
    officers · CH04
  9. 2020-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-07-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-09-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2018-09-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2018-07-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-04-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  15. 2018-04-21
    🔓
    Charge satisfied #1
  16. 2018-04-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2017-10-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2017-10-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2017-10-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  20. 2017-07-21
    ➕
    HAMILTON, Gregor Stewart appointed
    director
  21. 2017-07-21
    ➕
    HAMILTON, Scott Douglas appointed
    director
  22. 2003-01-09
    🔒
    Charge registered #5
    Lender: Clydesdale Bank Public Limited Company
  23. 2002-09-10
    🔒
    Charge registered #4
    Lender: Clydesdale Bank Public Limited Company
  24. 2001-02-01
    ➕
    KERR STIRLING LLP appointed
    corporate-secretary
  25. 2001-02-01
    ➖
    HAMILTON, Jacqueline resigned
    secretary
  26. 2001-02-01
    ➖
    HAMILTON, Jacqueline resigned
    director
  27. 1998-12-14
    🔒
    Charge registered #3
    Lender: Clydesdale Bank Public Limited Company
  28. 1998-12-11
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  29. 1996-09-06
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  30. 1995-08-15
    ➕
    HAMILTON, Jacqueline appointed
    secretary
  31. 1995-08-15
    ➕
    HAMILTON, Jacqueline appointed
    director
  32. 1995-08-15
    ➕
    HAMILTON, James Stewart appointed
    director
  33. 1995-07-26
    🏢
    Company incorporated
    As HAMILTONS (STIRLING) LIMITED
  34. 1995-07-26
    ➕
    REID, Brian appointed
    nominee-secretary
  35. 1995-07-26
    ➖
    REID, Brian resigned
    nominee-secretary
  36. 1995-07-26
    ➕
    MABBOTT, Stephen appointed
    nominee-director
  37. 1995-07-26
    ➖
    MABBOTT, Stephen resigned
    nominee-director

Owner dependency

81/100
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.
  • +Founder name in company name: Company name contains director surname "HAMILTON" — strong identity link between founder and business.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 31 years old and no new directors in the last 3 years — succession not yet being planned internally.

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
NameSharesVoting rightsNature of controlNotified
Mr James Stewart Hamilton
Individual · British · DOB 02/1956 · age 70
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.

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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
Incorporated1995-07-26
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

2 Melville Street
Falkirk
FK1 1HZ
Scotland

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-08-09
Last: 2025-07-26

Officers (3 active · 5 resigned)

KERR STIRLING LLP→
corporate-secretary · appointed 2001-02-01
View their other companies + combined net worth →
Active
HAMILTON, Gregor Stewart→
director · ~43y · appointed 2017-07-21
View their other companies + combined net worth →
Active
HAMILTON, Scott Douglas→
director · ~39y · appointed 2017-07-21
View their other companies + combined net worth →
Active
HAMILTON, Jacqueline→
secretary · appointed 1995-08-15 · resigned 2001-02-01
Resigned
REID, Brian→
nominee-secretary · appointed 1995-07-26 · resigned 1995-07-26
Resigned
HAMILTON, Jacqueline→
director · ~70y · appointed 1995-08-15 · resigned 2001-02-01
Resigned
HAMILTON, James Stewart→
director · ~70y · appointed 1995-08-15 · resigned 2023-03-30
Resigned
MABBOTT, Stephen→
nominee-director · ~76y · appointed 1995-07-26 · resigned 1995-07-26
Resigned

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

Mortgages & charges

5
Total charges
4
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property09/01/2003—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property10/09/2002—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property14/12/1998—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property11/12/1998—
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property06/09/199621/04/2018
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (97 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-07
termination-director-company-with-name-termination-date
officers · TM01
2024-08-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-04
change-corporate-secretary-company-with-change-date
officers · CH04
2021-02-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-07-31