CRUDEN HOMES LIMITED
🌳Matureactive
SC162868 · ltd · incorporated 1996-01-24
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
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Construction of domestic buildings
Sector: Construction
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (60/100, director aged 59). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 17 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
35 live charges · 17 lenders · oldest 29.8y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 29.8 years old — likely at or near maturity.
- · 17 lenders named — inter-creditor friction likely.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: medium (61/100)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
No iXBRL financials extracted
0
Lenders & charges
35 charges (35/35 with lender, 35/35 with type)
90
Directors & officers
24 officers (5 active, 24 linked, 17 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
26 connected companies via shared directors
90
Filing history
210 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (134 events)Click to expand
- 2026-01-05📄accounts-with-accounts-type-groupaccounts · AA
- 2024-11-28📄accounts-with-accounts-type-groupaccounts · AA
- 2024-09-26📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-02✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-02-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-28🔓Charge satisfied #28
- 2023-12-27📄accounts-with-accounts-type-groupaccounts · AA
- 2023-08-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-08-01🔓Charge satisfied #3
- 2023-07-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-24🔓Charge satisfied #4
- 2023-07-24🔓Charge satisfied #2
- 2023-07-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-03🔓Charge satisfied #24
- 2023-07-03🔓Charge satisfied #9
- 2023-07-03🔓Charge satisfied #8
- 2023-06-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-06-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-06-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-06-20🔓Charge satisfied #34
- 2023-06-20🔓Charge satisfied #32
- 2023-06-20🔓Charge satisfied #22
- 2022-10-20📄accounts-with-accounts-type-groupaccounts · AA
- 2022-09-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-09-08➕LYNES, Fraser appointeddirector
- 2022-02-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2021-12-20📄accounts-with-accounts-type-groupaccounts · AA
- 2021-11-29📄change-person-director-company-with-change-dateofficers · CH01
- 2021-05-06🔓Charge satisfied #15
- 2021-05-06🔓Charge satisfied #14
- 2021-05-06🔓Charge satisfied #13
- 2021-05-06🔓Charge satisfied #11
- 2021-05-06🔓Charge satisfied #10
- 2021-05-06🔓Charge satisfied #7
- 2020-07-10🔓Charge satisfied #35
- 2019-11-26➖LYNES, Fraser resigneddirector
- 2019-04-12➕HAGGERTY, Euan James Edward appointeddirector
- 2019-02-13➕DIMOND, Paula appointedsecretary
- 2019-02-13➖MURRAY, William Stuart resignedsecretary
- 2019-02-13➖MURRAY, William Stuart resigneddirector
- 2018-08-03➖JACK, Colin David resigneddirector
- 2018-02-20🔓Charge satisfied #33
- 2018-02-20🔓Charge satisfied #29
- 2018-02-20🔓Charge satisfied #30
- 2018-01-09🔓Charge satisfied #21
- 2018-01-09🔓Charge satisfied #19
- 2018-01-09🔓Charge satisfied #16
Showing most recent 50 of 134 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
70/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 30 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
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Cruden Homes Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Cruden Homes Holdings Ltd
Corporate parent · holds 75-100% shares · board control
⬇
CRUDEN HOMES LIMITED
This company · SC162868
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 |
|---|---|---|---|---|
Cruden Homes Holdings Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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 →Similar companies
Active · Construction · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A.V.A PROPERTY SOLUTIONS LTD→ SC803023 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AMRO DEVELOPMENT LIMITED→ SC539309 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| AQUARIUS THERMAL SYSTEMS LTD→ SC313788 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ARTURUS ROOF SURVEYS LTD→ SC777782 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ATLANTIUS LIMITED→ SC594254 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AU INTERIORS & BUILDING SERVICES LTD→ SC348318 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| B & D ROOFING LIMITED→ SC404384 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BAACH LIMITED→ SC792987 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BAIN & IRVINE LTD.→ SC299125 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| BARY LTD→ SC491333 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| BASE-LINE CONSTRUCTION LTD→ SC543937 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BASE-LINE DEVELOPMENTS LIMITED→ SC286837 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
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
Incorporated1996-01-24
Jurisdictionscotland
Primary SIC41202 — Construction of domestic buildings
Registered office
16 Walker Street
Edinburgh
EH3 7LP
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-07
Last: 2026-01-24
Officers (5 active · 19 resigned)
Active
HAGGERTY, Euan James Edward→
Activedirector · ~49y · appointed 2019-04-12
View their other companies + combined net worth →
LYNES, Fraser→
Activedirector · ~42y · appointed 2022-09-08
View their other companies + combined net worth →
REID, Kevin David→
Activedirector · ~59y · appointed 1999-02-05
View their other companies + combined net worth →
SIMPSON, Steven George→
Activedirector · ~59y · appointed 2001-09-10
View their other companies + combined net worth →
FAIRCLOUGH, Stuart Thomas→
Resignedsecretary · appointed 1996-04-01 · resigned 2014-04-01
MURRAY, William Stuart→
Resignedsecretary · appointed 2014-04-01 · resigned 2019-02-13
PETERS, Douglas→
Resignedsecretary · appointed 1996-02-15 · resigned 1996-04-01
BURNESS SOLICITORS→
Resignedcorporate-nominee-secretary · appointed 1996-01-24 · resigned 1996-02-15
DALGARNO, John Alexander→
Resigneddirector · ~68y · appointed 2001-05-17 · resigned 2003-12-25
GAFFNEY, David→
Resigneddirector · ~59y · appointed 1997-02-11 · resigned 1997-06-27
GENOE, Paul→
Resigneddirector · appointed 1997-09-01 · resigned 2001-04-24
JACK, Colin David→
Resigneddirector · ~66y · appointed 2016-12-12 · resigned 2018-08-03
KELLY, James Anthony→
Resigneddirector · ~67y · appointed 1998-03-01 · resigned 1999-11-30
KERR, Robert James→
Resigneddirector · ~75y · appointed 1996-02-15 · resigned 1998-03-01
LYNES, Fraser→
Resigneddirector · ~42y · appointed 2017-12-11 · resigned 2019-11-26
MATTHEWS, Malcolm Robert Angus→
Resigneddirector · ~95y · appointed 1996-02-15 · resigned 2001-05-07
MURPHY, William Andrew→
Resigneddirector · ~64y · appointed 2008-06-09 · resigned 2016-12-12
MURRAY, William Stuart→
Resigneddirector · ~57y · appointed 2004-06-24 · resigned 2019-02-13
PETERS, Douglas→
Resigneddirector · ~59y · appointed 1996-04-01 · resigned 1999-04-01
Click a director name to see their full track record across all companies.
Mortgages & charges
35
Total charges
0
Outstanding
0
Active lenders
Status:Lender:35 of 35 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | The Trustees for Lord Wemyss Trust - First Grandchildren's Fund | A registered charge | 1 property | 03/01/2018 | 10/07/2020 | |
| satisfied | Dunedin Canmore Housing Dunedin Canmore Housing Limited | A registered charge | 1 property | 20/10/2017 | 20/06/2023 | |
| satisfied | Dunedin Canmore Housing Dunedin Canmore Housing Limited | A registered charge | 1 property | 28/03/2017 | 20/02/2018 | |
| satisfied | Parc Craigmillar Parc Craigmillar Limited | A registered charge | 1 property | 22/03/2017 | 20/06/2023 | |
| satisfied | Hillcrest Housing Association Hillcrest Housing Association Limited | A registered charge | 1 property | 14/03/2016 | 14/09/2016 | |
| satisfied | Hillcrest Housing Association Hillcrest Housing Association Limited | A registered charge | 1 property | 13/04/2015 | 20/02/2018 | |
| satisfied | The City of Edinburgh Council | A registered charge | 1 property | 08/04/2015 | 20/02/2018 | |
| satisfied | Inverdunning Inverdunning Limited | A registered charge | 1 property | 09/09/2014 | 28/02/2024 | |
| satisfied | The City of Edinburgh Council | A registered charge | 1 property | 27/09/2013 | 16/01/2017 | |
| satisfied | The City of Edinburgh Council | A registered charge | 1 property | 27/09/2013 | 16/01/2017 | |
| satisfied | Parc Craigmillar Parc Craigmillar Limited | Standard security | 1 property | 21/03/2012 | 13/05/2015 | |
| satisfied | Alan Douglas Grant and Another | Standard security | 1 property | 19/12/2011 | 03/07/2023 | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 05/05/2010 | 08/01/2018 | |
| satisfied | Glenmorison Glenmorison Limited | Standard security | 1 property | 05/05/2010 | 20/06/2023 | |
| satisfied | Dunedin Canmore Housing Association Dunedin Canmore Housing Association Limited | Standard security | 1 property | 15/09/2009 | 09/01/2018 | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 21/04/2009 | 08/01/2018 | |
| satisfied | Glenmorison Glenmorison Limited | Standard security | 1 property | 21/04/2009 | 09/01/2018 | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 10/04/2009 | 24/05/2012 | |
| satisfied | Glenmorison Glenmorison Limited | Standard security | 1 property | 12/03/2007 | 08/01/2018 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 12/03/2007 | 09/01/2018 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 12/03/2007 | 06/05/2021 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 17/10/2006 | 06/05/2021 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 17/10/2006 | 06/05/2021 | |
| satisfied | Richmond Homes (Scotland) Richmond Homes (Scotland) Limited | Standard security | 1 property | 07/07/2006 | 12/04/2016 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 05/05/2005 | 06/05/2021 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 26/04/2005 | 06/05/2021 | |
| satisfied | Gemcross Homes (Easthouses) Gemcross Homes (Easthouses) Limited | Standard security | 1 property | 31/03/2004 | 03/07/2023 | |
| satisfied | James Mcbride (Transport & Warehousing) | Standard security | 1 property | 31/03/2004 | 03/07/2023 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 22/12/2003 | 06/05/2021 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 06/01/2000 | 20/05/2005 | |
| satisfied | Scottish Homes | Standard security | 1 property | 10/12/1998 | 21/09/2005 | |
| satisfied | Scottish Homes | Standard security | 1 property | 23/10/1998 | 24/07/2023 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 16/10/1998 | 01/08/2023 | |
| satisfied | The British Linen Bank The British Linen Bank Limited | Standard security | 1 property | 27/06/1996 | 24/07/2023 | |
| satisfied | Scottish Power Scottish Power PLC | Standard security | 1 property | 18/06/1996 | 23/12/1999 |
Recent filings (210 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-26
accounts-with-accounts-type-group
accounts · AA
2026-01-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-24
accounts-with-accounts-type-group
accounts · AA
2024-11-28
change-person-director-company-with-change-date
officers · CH01
2024-09-26
certificate-change-of-name-company
change-of-name · CERTNM
2024-04-02
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-25
accounts-with-accounts-type-group
accounts · AA
2023-12-27
mortgage-satisfy-charge-full
mortgage · MR04
2023-08-01
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-24
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-24
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-03
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-03
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-03