STIRLING DEVELOPMENTS LIMITED

📉Decliningactive
SC200452 · ltd · incorporated 1999-09-30
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
drifting distress · 6-months
Drifting toward distress — expect more negotiability in 3–6 months, but also more friction.
  • · Lifecycle stage drifting downward
  • · Currently "declining"
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
—
book net assets
Opportunity
82/100
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 61-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 77/100. Strong seller-intent signal (80/100, director aged 61). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (85/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 21.6y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 21.6 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
7 officers (1 active, 7 linked, 2 with DOB)
76
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
93 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 · FRS 102
Profitable
Profit before tax £334,225

Key financials

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

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-01-312024-01-31
Profit before tax£334.2k£3.52M
Average employees7700

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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
  1. 2025-10-31
    📄
    accounts-with-accounts-type-full
    accounts · AA
  2. 2024-10-31
    📄
    accounts-with-accounts-type-full
    accounts · AA
  3. 2023-10-30
    📄
    accounts-with-accounts-type-full
    accounts · AA
  4. 2022-10-31
    📄
    accounts-with-accounts-type-full
    accounts · AA
  5. 2022-02-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  6. 2021-11-17
    📄
    accounts-with-accounts-type-full
    accounts · AA
  7. 2021-08-25
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2021-08-25
    🔓
    Charge satisfied #3
  9. 2021-02-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2021-01-29
    📄
    accounts-with-accounts-type-full
    accounts · AA
  11. 2020-11-24
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2020-10-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2020-10-15
    🔒
    Charge registered #3
    Lender: Taylor Wimpey UK Limited
  14. 2020-02-05
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  15. 2019-11-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2019-10-30
    📄
    accounts-with-accounts-type-small
    accounts · AA
  17. 2019-07-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2018-10-30
    📄
    accounts-with-accounts-type-small
    accounts · AA
  19. 2013-11-11
    🔓
    Charge satisfied #1
  20. 2013-11-05
    🔓
    Charge satisfied #2
  21. 2013-08-30
    ➖
    DRUMMOND, Ian Scott resigned
    secretary
  22. 2008-06-13
    🔒
    Charge registered #2
    Lender: Royal Bank of Scotland PLC
  23. 2006-09-27
    ➖
    DOCWRA, Clive resigned
    secretary
  24. 2006-09-27
    ➕
    DRUMMOND, Ian Scott appointed
    secretary
  25. 2004-12-02
    ➕
    DOCWRA, Clive appointed
    secretary
  26. 2004-11-30
    ➖
    DALGLEN SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  27. 2004-09-22
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  28. 2004-09-10
    ➖
    LAW, Ronald Scott resigned
    secretary
  29. 2004-09-10
    ➕
    DALGLEN SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  30. 2004-09-10
    ➖
    LAW, Ronald Scott resigned
    director
  31. 1999-09-30
    🏢
    Company incorporated
    As STIRLING DEVELOPMENTS LIMITED
  32. 1999-09-30
    ➕
    STIRLING, Peter John appointed
    director
  33. 1999-09-30
    ➕
    LAW, Ronald Scott appointed
    secretary
  34. 1999-09-30
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  35. 1999-09-30
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  36. 1999-09-30
    ➕
    LAW, Ronald Scott appointed
    director

Owner dependency

100/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Founder name in company name: Company name contains director surname "STIRLING" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

85/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 27 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.)

Group structure

Peter J Stirling Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Peter J Stirling Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
STIRLING DEVELOPMENTS LIMITED
This company · SC200452

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%
NameSharesVoting rightsNature of controlNotified
Peter J Stirling Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016
2 historic (ceased) PSCs
  • Mrs Wendy Jane Stirlingceased 06/04/2016· 75-100% shares · 75-100% voting
  • Mr Peter John Stirlingceased 06/04/2016· 75-100% shares · 75-100% voting

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

8 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
Incorporated1999-09-30
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

Unit 1, Halbeath Interchange Business Park Kingseat Road
Halbeath
Dunfermline
KY11 8RY
Scotland

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-03-07
Last: 2026-02-21

Officers (1 active · 6 resigned)

STIRLING, Peter John→
director · ~61y · appointed 1999-09-30
View their other companies + combined net worth →
Active
DOCWRA, Clive→
secretary · appointed 2004-12-02 · resigned 2006-09-27
Resigned
DRUMMOND, Ian Scott→
secretary · appointed 2006-09-27 · resigned 2013-08-30
Resigned
LAW, Ronald Scott→
secretary · appointed 1999-09-30 · resigned 2004-09-10
Resigned
DALGLEN SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2004-09-10 · resigned 2004-11-30
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 1999-09-30 · resigned 1999-09-30
Resigned
LAW, Ronald Scott→
director · ~63y · appointed 1999-09-30 · resigned 2004-09-10
Resigned

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

Mortgages & charges

3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Taylor Wimpey UK
Taylor Wimpey UK Limited
A registered charge2 properties15/10/202025/08/2021
satisfied
Lloyds Banking Group
Royal Bank of Scotland PLC
Standard security1 property13/06/200805/11/2013
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property22/09/200411/11/2013

Recent filings (93 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-23
accounts-with-accounts-type-full
accounts · AA
2025-10-31
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-24
accounts-with-accounts-type-full
accounts · AA
2024-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-22
accounts-with-accounts-type-full
accounts · AA
2023-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-06
accounts-with-accounts-type-full
accounts · AA
2022-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2022-02-21
accounts-with-accounts-type-full
accounts · AA
2021-11-17
mortgage-satisfy-charge-full
mortgage · MR04
2021-08-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-26
change-person-director-company-with-change-date
officers · CH01
2021-02-23
accounts-with-accounts-type-full
accounts · AA
2021-01-29