PARKER HOUSING LTD.

🌳Matureactive
SC221460 · ltd · incorporated 2001-07-23
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
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
75/100
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 75/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (53/100).

🏦

Refinance opportunity

20 live charges · 3 lenders · oldest 23.9y

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 23.9 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

Data confidence

Overall: high (80/100)

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
20 charges (20/20 with lender, 20/20 with type)
90
Directors & officers
10 officers (2 active, 10 linked, 5 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
95 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Dec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Average employees100100

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

🔒Filing-note intelligence

2 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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (55 events)Click to expand
  1. 2025-09-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-30
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  3. 2025-05-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-04-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2025-04-08
    🔒
    Charge registered #20
    Lender: Bank of Scotland PLC
  6. 2025-01-28
    ➕
    PARKER, Elaine Margaret appointed
    director
  7. 2025-01-28
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2024-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2023-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-09-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-05-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2022-05-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2022-05-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2022-04-26
    🔒
    Charge registered #19
    Lender: Bank of Scotland PLC
  15. 2022-04-26
    🔒
    Charge registered #18
    Lender: Bank of Scotland PLC
  16. 2022-04-26
    🔒
    Charge registered #17
    Lender: Bank of Scotland PLC
  17. 2022-04-25
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2022-04-21
    🔒
    Charge registered #16
    Lender: Bank of Scotland PLC
  19. 2021-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2020-12-02
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  21. 2019-10-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2018-09-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  23. 2017-12-14
    ➕
    PARKER, James Johnstone appointed
    director
  24. 2017-12-14
    ➖
    PARKER, Elaine Margaret resigned
    secretary
  25. 2017-12-14
    ➖
    PARKER, Elaine Margaret resigned
    director
  26. 2014-09-23
    🔒
    Charge registered #15
    Lender: Bank of Scotland PLC
  27. 2014-09-23
    🔒
    Charge registered #14
    Lender: Bank of Scotland PLC
  28. 2013-07-24
    ➕
    PARKER, Elaine Margaret appointed
    secretary
  29. 2013-07-24
    ➖
    PARKER, James Johnstone resigned
    secretary
  30. 2013-07-24
    ➕
    PARKER, Elaine Margaret appointed
    director
  31. 2013-07-24
    ➖
    PARKER, James Johnstone resigned
    director
  32. 2010-12-31
    ➖
    PARKER, Elaine Margaret resigned
    director
  33. 2007-03-21
    🔒
    Charge registered #13
    Lender: The Governor and Company of the Bank of Scotland
  34. 2005-03-11
    🔒
    Charge registered #12
    Lender: Mortgage Trust Limited
  35. 2004-05-19
    🔒
    Charge registered #11
    Lender: The Governor and Company of the Bank of Scotland
  36. 2004-05-19
    🔒
    Charge registered #10
    Lender: The Governor and Company of the Bank of Scotland
  37. 2004-02-13
    🔒
    Charge registered #9
    Lender: The Governor and Company of the Bank of Scotland
  38. 2004-02-13
    🔒
    Charge registered #8
    Lender: The Governor and Company of the Bank of Scotland
  39. 2004-02-13
    🔒
    Charge registered #7
    Lender: The Governor and Company of the Bank of Scotland
  40. 2004-02-13
    🔒
    Charge registered #6
    Lender: The Governor and Company of the Bank of Scotland
  41. 2004-02-13
    🔒
    Charge registered #5
    Lender: The Governor and Company of the Bank of Scotland
  42. 2003-09-29
    🔒
    Charge registered #4
    Lender: The Governor and Company of the Bank of Scotland
  43. 2003-06-20
    🔒
    Charge registered #3
    Lender: The Governor and Company of the Bank of Scotland
  44. 2003-04-01
    ➖
    PARKER, Elaine Margaret resigned
    secretary
  45. 2003-04-01
    ➕
    PARKER, James Johnstone appointed
    secretary
  46. 2002-06-24
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  47. 2002-06-06
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  48. 2001-07-23
    🏢
    Company incorporated
    As PARKER HOUSING LTD.
  49. 2001-07-23
    ➕
    PARKER, Elaine Margaret appointed
    secretary
  50. 2001-07-23
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
Showing most recent 50 of 55 events

Owner dependency

89/100
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 "PARKER" — strong identity link between founder and business.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.
  • +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
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 low
20 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Elaine Margaret Parker
Individual · British · DOB 03/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting30/05/2025
Mr James Johnstone Parker
Individual · Scottish · DOB 12/1966 · age 60
25–50%
25–50%board control25-50% shares · 25-50% voting · board control20/07/2016

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

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
Incorporated2001-07-23
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Caledonian House, Links Road
Leven
Fife
KY8 4HS

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-04-13
Last: 2026-03-30

Officers (2 active · 8 resigned)

PARKER, Elaine Margaret→
director · ~59y · appointed 2025-01-28
View their other companies + combined net worth →
Active
PARKER, James Johnstone→
director · ~60y · appointed 2017-12-14
View their other companies + combined net worth →
Active
PARKER, Elaine Margaret→
secretary · appointed 2013-07-24 · resigned 2017-12-14
Resigned
PARKER, Elaine Margaret→
secretary · appointed 2001-07-23 · resigned 2003-04-01
Resigned
PARKER, James Johnstone→
secretary · appointed 2003-04-01 · resigned 2013-07-24
Resigned
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2001-07-23 · resigned 2001-07-23
Resigned
PARKER, Elaine Margaret→
director · ~59y · appointed 2013-07-24 · resigned 2017-12-14
Resigned
PARKER, Elaine Margaret→
director · ~59y · appointed 2001-07-23 · resigned 2010-12-31
Resigned
PARKER, James Johnstone→
director · ~60y · appointed 2001-07-23 · resigned 2013-07-24
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2001-07-23 · resigned 2001-07-23
Resigned

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

Mortgages & charges

20
Total charges
20
Outstanding
2
Active lenders
Status:Lender:20 of 20 shown
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties08/04/2025—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge4 properties26/04/2022—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge4 properties26/04/2022—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property26/04/2022—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge9 properties21/04/2022—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—23/09/2014—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property23/09/2014—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property21/03/2007—
outstanding
Mortgage Trust
Mortgage Trust Limited
Standard security1 property11/03/2005—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property19/05/2004—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property19/05/2004—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property13/02/2004—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property13/02/2004—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property13/02/2004—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property13/02/2004—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property13/02/2004—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property29/09/2003—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property20/06/2003—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property24/06/2002—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property06/06/2002—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (95 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-05-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-09
appoint-person-director-company-with-name-date
officers · AP01
2025-01-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-05-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-05-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-05-05