QUEEN'S CROSS FACTORING LIMITED

🌳Matureactive

SC278139 · ltd · incorporated 2005-01-07

Investment thesis

Property vehicle with a workable charge structure — clean refinance potential.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Dependent on title and valuation due diligence; standard property risks.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 13.7y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Management of real estate on a fee or contract basis

Sector: Real estate

Investor take

Pursue

Property-backed borrower with a 86-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (63/100, director aged 86). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 13.7y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 13.7 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 20/100 — clean.

Data confidence

Overall: medium (57/100)

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

No iXBRL financials extracted

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

28 officers (6 active, 28 linked, 22 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

1 connected companies via shared directors

Filing history

108 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

• 1 confirmation-statement
• 1 officers

Counts from Companies House filing history.

Corporate timeline (71 events)Click to expand

2026-01-21
➖
ALSTON, Robert Lewis resigned
director
2026-01-21
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-10-14
📄
accounts-with-accounts-type-small
accounts · AA
2024-09-23
📄
change-person-director-company-with-change-date
officers · CH01
2024-09-23
📄
change-person-director-company-with-change-date
officers · CH01
2024-09-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-09-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-09-09
➕
MCNAMEE, Laura appointed
director
2024-09-09
➖
SHANKLAND, James resigned
director
2024-09-05
📄
accounts-with-accounts-type-small
accounts · AA
2023-10-12
📄
accounts-with-accounts-type-small
accounts · AA
2022-09-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-09-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-09-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-09-20
➕
DOYLE, Arthur Shand Potter, Dr appointed
director
2022-09-20
➕
ALSTON, Robert Lewis appointed
director
2022-09-20
➖
CORBETT, Catherine resigned
director
2022-09-05
📄
accounts-with-accounts-type-small
accounts · AA
2021-10-21
📄
accounts-with-accounts-type-small
accounts · AA
2021-09-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-09-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-09-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-09-13
➕
BURNS, Andrew Patrick appointed
director
2021-09-13
➖
CLEWES, Marilyn Rachel resigned
director
2021-09-13
➕
SHANKLAND, James appointed
director
2020-10-15
📄
accounts-with-accounts-type-small
accounts · AA
2020-09-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2020-09-07
➕
RAMSEY, Anne appointed
director
2020-04-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-03-31
➖
THOMSON, Christine resigned
director
2019-11-21
➕
GLASS, Margaret Ballantyne Anderson appointed
director
2019-11-21
➖
HORNER, David John resigned
director
2018-11-22
➕
CLEWES, Marilyn Rachel appointed
director
2018-11-22
➖
GORDON, Sadie resigned
director
2018-05-16
➕
CORBETT, Catherine appointed
director
2018-03-31
➖
JAMIL, Sofia resigned
director
2017-08-01
➕
MANLEY, Neil appointed
secretary
2017-07-31
➖
BROWN, William resigned
secretary
2017-01-19
➕
THOMSON, Christine appointed
director
2016-11-29
➖
STEEL, Daniel John resigned
director
2016-09-12
➖
CLEWES, Marilyn Rachel resigned
director
2014-09-16
➕
HORNER, David John appointed
director
2014-09-15
➖
CASSIE, Colin resigned
director
2014-09-15
➕
GORDON, Sadie appointed
director
2013-09-17
➖
GLASS, Margaret Ballantyne Anderson resigned
director
2013-09-16
➕
JAMIL, Sofia appointed
director
2013-09-16
➕
STEEL, Daniel John appointed
director
2013-09-16
➖
WHYTE, Thomas Dickenson Parfrey resigned
director
2013-03-31
➖
DUFFY, John Steven resigned
director
2013-02-12
➕
BROWN, William appointed
secretary

Showing most recent 50 of 71 events

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 86 — succession pressure is live.

Succession & seller-readiness

60/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 86 years old. Natural succession window is now.

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

Queens Cross Housing Association is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Queens Cross Housing Association

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

QUEEN'S CROSS FACTORING LIMITED

This company · SC278139

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
Queens Cross Housing Association Corporate entity	75–100%	—	board control75-100% shares · board control	06/04/2016

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.

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Company details

Statusactive

Typeltd

Incorporated2005-01-07

Jurisdictionscotland

Primary SIC68320 — Management of real estate on a fee or contract basis

Registered office

45 Firhill Road

Glasgow

G20 7BA

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-01-21

Last: 2026-01-07