STAR PROPERTIES (SCOTLAND) LIMITED

🌳Matureactive
SC244967 · ltd · incorporated 2003-03-04
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 23.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Other accommodation
Sector: Accommodation & food service
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (63/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 23.0y

50/100
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.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 33/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (79/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 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
8 officers (3 active, 8 linked, 3 with DOB)
78
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
70 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
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
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£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Average employees00

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
0
filings
Last 180 days
6
filings
  • • 3 officers
  • • 1 persons-with-significant-control
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
  1. 2026-02-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-02-04
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  3. 2026-02-03
    ➕
    FUMMEY, Sandra appointed
    director
  4. 2026-02-03
    ➖
    DICKENS INNS LTD resigned
    corporate-director
  5. 2026-02-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2026-02-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2025-12-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2025-08-04
    📄
    appoint-corporate-director-company-with-name-date
    officers · AP02
  9. 2024-08-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2024-04-22
    ➕
    DICKENS INNS LTD appointed
    corporate-director
  11. 2024-02-22
    ➕
    FUMMEY, Omar appointed
    secretary
  12. 2024-02-22
    ➖
    MCCARTNEY, Stephen Charles resigned
    secretary
  13. 2024-02-22
    ➖
    MCCARTNEY, Stephen Charles resigned
    director
  14. 2024-02-22
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  15. 2024-02-22
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2024-02-22
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  17. 2024-02-22
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  18. 2024-02-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2023-11-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2022-11-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  21. 2021-12-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  22. 2021-03-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2019-10-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  24. 2011-01-08
    🔓
    Charge satisfied #3
  25. 2008-07-11
    🔒
    Charge registered #3
    Lender: Clydesdale Bank PLC
  26. 2003-10-13
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  27. 2003-05-12
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  28. 2003-03-13
    ➕
    FUMMEY, Omar appointed
    director
  29. 2003-03-12
    ➕
    MCCARTNEY, Stephen Charles appointed
    secretary
  30. 2003-03-12
    ➕
    MCCARTNEY, Stephen Charles appointed
    director
  31. 2003-03-04
    🏢
    Company incorporated
    As STAR PROPERTIES (SCOTLAND) LIMITED
  32. 2003-03-04
    ➕
    HCS SECRETARIAL LIMITED appointed
    corporate-nominee-secretary
  33. 2003-03-04
    ➖
    HCS SECRETARIAL LIMITED resigned
    corporate-nominee-secretary
  34. 2003-03-04
    ➕
    HANOVER DIRECTORS LIMITED appointed
    corporate-nominee-director
  35. 2003-03-04
    ➖
    HANOVER DIRECTORS LIMITED resigned
    corporate-nominee-director

Owner dependency

76/100
High — earn-out structure required

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

FACTORS
  • +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.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

56/100
Strong succession signal

Multiple 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 23 years. Very long tenure is a classic succession signal.
  • 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.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Sandra Fummey
Individual · British · DOB 03/1971 · age 55
25–50%
—25-50% shares03/02/2026
Mr Omar Fummey
Individual · British · DOB 05/1969 · age 57
25–50%
—25-50% shares06/04/2016
1 historic (ceased) PSC
  • Mr Stephen Charles Mccartneyceased 22/02/2024· 25-50% shares

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

6 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
Incorporated2003-03-04
Jurisdictionscotland
Primary SIC55900 — Other accommodation

Registered office

38 Cedar Place Cedar Place
Perth
PH1 1RL
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-17
Last: 2026-02-03

Officers (3 active · 5 resigned)

FUMMEY, Omar→
secretary · appointed 2024-02-22
View their other companies + combined net worth →
Active
FUMMEY, Omar→
director · ~57y · appointed 2003-03-13
View their other companies + combined net worth →
Active
FUMMEY, Sandra→
director · ~55y · appointed 2026-02-03
View their other companies + combined net worth →
Active
MCCARTNEY, Stephen Charles→
secretary · appointed 2003-03-12 · resigned 2024-02-22
Resigned
HCS SECRETARIAL LIMITED→
corporate-nominee-secretary · appointed 2003-03-04 · resigned 2003-03-04
Resigned
MCCARTNEY, Stephen Charles→
director · ~57y · appointed 2003-03-12 · resigned 2024-02-22
Resigned
DICKENS INNS LTD→
corporate-director · appointed 2024-04-22 · resigned 2026-02-03
Resigned
HANOVER DIRECTORS LIMITED→
corporate-nominee-director · appointed 2003-03-04 · resigned 2003-03-04
Resigned

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

Mortgages & charges

3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Virgin Money
Clydesdale Bank PLC
Standard security1 property11/07/200808/01/2011
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property13/10/2003—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property12/05/2003—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (70 total)

change-person-director-company-with-change-date
officers · CH01
2026-02-05
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-02-04
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-03
appoint-person-director-company-with-name-date
officers · AP01
2026-02-03
termination-director-company-with-name-termination-date
officers · TM01
2026-02-03
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-11
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-15
appoint-corporate-director-company-with-name-date
officers · AP02
2025-08-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-20
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-22
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-02-22
termination-director-company-with-name-termination-date
officers · TM01
2024-02-22
appoint-person-secretary-company-with-name-date
officers · AP03
2024-02-22
termination-secretary-company-with-name-termination-date
officers · TM02
2024-02-22