UIG COMMUNITY TRUST

🌳Matureactive

SC193439 · private-limited-guarant-nsc-limited-exemption · incorporated 1999-02-12

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 25.1y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£375.8k

book net assets

Opportunity

80/100

Exceptional

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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

Property-backed borrower with a 79-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 79). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 25.1y

50/100

clean up first

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

· Oldest live charge is 25.1 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (78/100)

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

32 officers (10 active, 32 linked, 27 with DOB)

Ownership & PSC

0 active PSC(s) of 8 total, 8 with control declared

Director network

Network not yet resolved

Filing history

138 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒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

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

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 £375,804

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£376k

↑ 3.2% YoY

Current Assets

£118k

↑ 30% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£375.8k	£364.0k
Current assets	£118.4k	£91.2k
Net assets	£375.8k	£364.0k

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

Recent activity

Last 30 days

filings

Last 90 days

filings

• 1 confirmation-statement
• 1 officers

Last 180 days

filings

• 1 confirmation-statement
• 1 officers

Counts from Companies House filing history.

Corporate timeline (75 events)Click to expand

2026-04-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-01-31
➖
MACLEOD, Fay resigned
director
2025-11-05
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-04
➕
APSLEY, Robert James Ian appointed
director
2025-09-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-06
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2025-06-06
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-05-28
➕
SAUL, Gillian appointed
secretary
2025-05-28
➖
MACLEOD, Fay resigned
secretary
2025-04-24
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-04-17
➕
SAUL, Gillian appointed
director
2024-10-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-01
📄
change-person-director-company-with-change-date
officers · CH01
2022-08-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-07-19
➕
PREEDY, Jonathon Robert appointed
director
2021-12-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-09
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-09-28
➖
HENDERSON, Seonag resigned
director
2020-03-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2020-03-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2020-03-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-11-14
➕
DUNKEL, Vicki Suzanne appointed
director
2019-11-14
➕
GOLDRING, Charles Edward Milton appointed
director
2019-11-14
➕
HENDERSON, Seonag appointed
director
2019-10-14
📄
notification-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC08
2019-09-22
➖
HENDERSON, Ian Ross resigned
director
2019-07-23
➖
TAYLOR, David resigned
director
2019-05-01
➕
BROWN, Gillian Margaret appointed
director
2019-04-01
➖
NORMAN, Andrew resigned
director
2018-11-15
➖
BUTLER, Thomas Martyn resigned
director
2018-01-29
➕
BUTLER, Thomas Martyn appointed
director
2017-12-16
➖
LOCKHART, Angus resigned
director
2017-12-06
➕
WILLOUGHBY, Gordon Macrae appointed
director
2017-10-04
➕
HARLEY, William John appointed
director
2014-01-10
➖
LUMB, Joy resigned
director
2012-06-27
➖
BALLANS, Joan resigned
director
2012-06-27
➕
HENDERSON, Ian Ross appointed
director
2012-06-27
➕
LUMB, Joy appointed
director
2012-06-27
➕
NORMAN, Andrew appointed
director
2011-05-25
➖
STEWART, Ian Thomas resigned
director
2009-01-21
➕
MACLEOD, Fay appointed
director
2009-01-21
➕
STEWART, Ian Thomas appointed
director
2008-09-17
➕
BALLANS, Joan appointed
director
2008-09-17
➖
MACKENZIE, Gordon resigned
director
2008-09-17
➕
TAYLOR, David appointed
director
2007-05-31
➖
ANDERSON, George Gregory resigned
secretary
2007-05-31
➖
ANDERSON, George Gregory resigned
director

Showing most recent 50 of 75 events

Owner dependency

65/100

High — earn-out structure required

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

FACTORS

-9 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 79 — succession pressure is live.

Succession & seller-readiness

73/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 20 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

2 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: MACLEOD, Fay resigned 2025-05-28; MACLEOD, Fay resigned 2026-01-31

Similar companies

Active · Property · IV postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BLAVEN LIMITED→ SC160238 · est 1995	£1.94M £1.65M–£2.24M	—	£1.94M	—	30y	83	73y
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BELVOIR LETTINGS (MORAY) LTD→ SC302163 · est 2006	£124.4k £105.7k–£143.0k	—	£124.4k	—	20y	82	67y
CAMERON HARRIS LTD.→ SC241344 · est 2002	£93.0k £79.0k–£106.9k	—	£93.0k	—	23y	82	78y
EDINBANE ESTATE WIND FARM LIMITED→ SC166590 · est 1996	£41.1k £34.9k–£47.2k	—	£41.1k	—	29y	83	77y
A & M CULBERTSON LIMITED→ SC392515 · est 2011	£6.5k £5.6k–£7.5k	—	£6.5k	—	15y	82	71y
DINGWALL AUCTION MART LIMITED→ SC135799 · est 1991	—	—	—	0	34y	83	81y
H.D. (INVERNESS) LIMITED→ SC036502 · est 1961 · no financials extracted	—	—	—	—	64y	83	88y
RESTENNETH PROPERTIES LIMITED→ SC055768 · est 1974 · no financials extracted	—	—	—	—	51y	83	81y
YORK HOUSE (KENSINGTON) LIMITED→ SC056410 · est 1974	—	—	—	400	51y	83	82y
DENMUIR PROPERTIES LIMITED→ SC205358 · est 2000	—	—	—	200	26y	82	76y

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

Typeprivate-limited-guarant-nsc-limited-exemption

Incorporated1999-02-12

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Tigh An Oisean

Bridge Road

Portree

Isle Of Skye

IV51 9ER

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-02-22

Last: 2026-02-08