H & C PROPERTY COMPANY LIMITED

🌳Matureactive
SC241958 · ltd · incorporated 2003-01-08
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
£159.0k
year to Mar 2025
Net worth
—
book net assets
Opportunity
78/100
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 78/100 (strong), bankability 57/100. Strong seller-intent signal (70/100, director aged 58). Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (78/100).

🏦

Refinance opportunity

7 live charges · 3 lenders · oldest 23.0y

45/100
clean up first

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

  • · Oldest live charge is 23.0 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.
  • · Profitable and stable/growing — lender coverage supportable.

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
75
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 3 with DOB)
79
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Profitable
Profit before tax £128,927

Key financials

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

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Turnover£159.0k—
Gross profit£159.0k—
Operating profit£49.0k—
Profit before tax£128.9k—
Average employees00

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
0
filings
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
  1. 2025-12-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-03-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2023-03-10
    🔒
    Charge registered #7
    Lender: The Royal Bank of Scotland PLC
  6. 2022-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-02-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2021-01-26
    🔒
    Charge registered #6
    Lender: The Royal Bank of Scotland PLC
  10. 2020-09-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-08-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2020-08-28
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  13. 2019-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-05-18
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2018-05-18
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2018-01-31
    ➕
    MACARTNEY, Jacqueline Amanda appointed
    director
  18. 2018-01-31
    ➖
    MACARTNEY, Hugh resigned
    director
  19. 2018-01-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2010-03-03
    🔒
    Charge registered #5
    Lender: Clydesdale Bank PLC
  21. 2008-03-05
    🔒
    Charge registered #4
    Lender: Royal Bank of Scotland PLC
  22. 2006-10-04
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  23. 2003-05-23
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  24. 2003-05-12
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  25. 2003-01-08
    🏢
    Company incorporated
    As H & C PROPERTY COMPANY LIMITED
  26. 2003-01-08
    ➕
    MACARTNEY, Colin appointed
    secretary
  27. 2003-01-08
    ➕
    MACARTNEY, Colin appointed
    director
  28. 2003-01-08
    ➕
    COSEC LIMITED appointed
    corporate-nominee-secretary
  29. 2003-01-08
    ➖
    COSEC LIMITED resigned
    corporate-nominee-secretary
  30. 2003-01-08
    ➕
    MACARTNEY, Hugh appointed
    director
  31. 2003-01-08
    ➕
    CODIR LIMITED appointed
    corporate-nominee-director
  32. 2003-01-08
    ➖
    CODIR LIMITED resigned
    corporate-nominee-director
  33. 2003-01-08
    ➕
    COSEC LIMITED appointed
    corporate-nominee-director
  34. 2003-01-08
    ➖
    COSEC LIMITED resigned
    corporate-nominee-director

Owner dependency

84/100
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.
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100
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 58. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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 low
7 live charges
low

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

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Colin Macartney
Individual · British · DOB 09/1998 · age 28
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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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
Incorporated2003-01-08
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

33 Kittoch Street
East Kilbride
G74 4JW

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-22
Last: 2026-01-08

Officers (3 active · 4 resigned)

MACARTNEY, Colin→
secretary · appointed 2003-01-08
View their other companies + combined net worth →
Active
MACARTNEY, Colin→
director · ~58y · appointed 2003-01-08
View their other companies + combined net worth →
Active
MACARTNEY, Jacqueline Amanda→
director · ~52y · appointed 2018-01-31
View their other companies + combined net worth →
Active
COSEC LIMITED→
corporate-nominee-secretary · appointed 2003-01-08 · resigned 2003-01-08
Resigned
MACARTNEY, Hugh→
director · ~85y · appointed 2003-01-08 · resigned 2018-01-31
Resigned
CODIR LIMITED→
corporate-nominee-director · appointed 2003-01-08 · resigned 2003-01-08
Resigned
COSEC LIMITED→
corporate-nominee-director · appointed 2003-01-08 · resigned 2003-01-08
Resigned

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

Mortgages & charges

7
Total charges
7
Outstanding
2
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property10/03/2023—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property26/01/2021—
outstanding
Virgin Money
Clydesdale Bank PLC
Standard security1 property03/03/2010—
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
Standard security1 property05/03/2008—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property04/10/2006—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property23/05/2003—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property12/05/2003—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (67 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-02-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-10
change-person-director-company-with-change-date
officers · CH01
2020-08-28