ESTANTIA LIMITED
🌳Matureactive
SC227746 · ltd · incorporated 2002-02-05
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 Aug 2024
Net worth
£193.5k
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Development of building projects
Sector: Construction
ALSO REGISTERED FOR
- 68100Buying and selling of own real estate
- 68209Other letting and operating of own or leased real estate
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 71/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (38/100).
🏦
Refinance opportunity
10 live charges · 4 lenders · oldest 23.8y
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 23.8 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
10 charges (10/10 with lender, 10/10 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 3 with DOB)
82
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
79 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
65
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £193,497
Net assets shrinking
Down £5,204 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£193k
↓ 2.6% YoY
Current Assets
£35k
↓ 89% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-08-31 | 2023-08-31 |
|---|---|---|
| Total assets | £752.1k | £810.8k |
| Current assets | £35.1k | £314.7k |
| Net assets | £193.5k | £198.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (39 events)Click to expand
- 2025-05-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-29🔓Charge satisfied #9
- 2024-07-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-09🔒Charge registered #10Lender: Bank of Scotland PLC
- 2024-04-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-05-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-05-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-05-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-04-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-04-06🔒Charge registered #9Lender: Bank of Scotland PLC
- 2018-10-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-10-09🔒Charge registered #8Lender: The Fife Council
- 2018-02-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-02-26📄change-person-director-company-with-change-dateofficers · CH01
- 2018-02-26📄change-person-director-company-with-change-dateofficers · CH01
- 2018-02-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-02-09🔓Charge satisfied #3
- 2017-12-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-12-06🔒Charge registered #7Lender: Bank of Scotland PLC
- 2017-12-06🔒Charge registered #6Lender: Bank of Scotland PLC
- 2017-11-15🔒Charge registered #5Lender: Bank of Scotland PLC
- 2016-01-14➕CAMERON, Amber appointeddirector
- 2016-01-13🔓Charge satisfied #2
- 2016-01-13🔓Charge satisfied #1
- 2016-01-11➖HARRIS, Neil Craig resigneddirector
- 2012-11-14➖PENMAN, Laura Jane resignedsecretary
- 2010-05-14🔒Charge registered #4Lender: Royal Bank of Scotland PLC
- 2006-06-30🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2004-02-11🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2002-07-30🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2002-02-05🏢Company incorporatedAs ESTANTIA LIMITED
- 2002-02-05➕CAMERON, Ewan appointeddirector
- 2002-02-05➕PENMAN, Laura Jane appointedsecretary
- 2002-02-05➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2002-02-05➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 2002-02-05➕HARRIS, Neil Craig appointeddirector
Owner dependency
76/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 24 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 · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
6 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
The Estantia Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
The Estantia Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
ESTANTIA LIMITED
This company · SC227746
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 |
|---|---|---|---|---|
The Estantia Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/08/2016 |
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 · KY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CRAIG FENTON DESIGN LIMITED→ SC505072 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| DIABLO ENTERPRISES LIMITED→ SC599918 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| DT CIVILS CONSULTANTS LTD→ SC821021 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| EAST FIFE JOINERY LIMITED→ SC479347 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ECCLES HEATING SERVICES LIMITED→ SC753575 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| EJC CRAFTS LTD→ SC881214 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ENGECO LTD→ SC417733 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| ENTERPRISE CONSTRUCTION (SCOTLAND) LTD→ SC742733 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ETERA LTD→ SC393464 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| EUAN THOMSON BESPOKE LTD→ SC755528 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| EURO INSTALLATIONS LTD→ SC850458 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EUROSPRAY LIMITED→ SC181149 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
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
Incorporated2002-02-05
Jurisdictionscotland
Primary SIC41100 — Development of building projects
Registered office
2 George Square
Castle Brae
Dunfermline
Fife
KY11 8QF
Filing status
Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2027-02-19
Last: 2026-02-05
Officers (2 active · 3 resigned)
CAMERON, Amber→
Activedirector · ~50y · appointed 2016-01-14
View their other companies + combined net worth →
CAMERON, Ewan→
Activedirector · ~55y · appointed 2002-02-05
View their other companies + combined net worth →
PENMAN, Laura Jane→
Resignedsecretary · appointed 2002-02-05 · resigned 2012-11-14
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-02-05 · resigned 2002-02-05
HARRIS, Neil Craig→
Resigneddirector · ~64y · appointed 2002-02-05 · resigned 2016-01-11
Click a director name to see their full track record across all companies.
Mortgages & charges
10
Total charges
6
Outstanding
2
Active lenders
Status:Lender:10 of 10 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 09/07/2024 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 06/04/2019 | 29/07/2024 | |
| outstanding | The Fife Council | A registered charge | 1 property | 09/10/2018 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 06/12/2017 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 06/12/2017 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 15/11/2017 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 14/05/2010 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 30/06/2006 | 09/02/2018 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 11/02/2004 | 13/01/2016 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 30/07/2002 | 13/01/2016 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (79 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-09
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-10
mortgage-satisfy-charge-full
mortgage · MR04
2024-07-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-20
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-09
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-17
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-12
accounts-with-accounts-type-micro-entity
accounts · AA
2020-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-19