HIGHLAND HOUSING ALLIANCE
🌳Matureactive
SC279579 · private-limited-guarant-nsc-limited-exemption · incorporated 2005-02-08
Investment thesis
Looks cheap but ownership + security both unclear — probable value trap.
Why interesting: Headline metrics may be attractive.
Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Other service activities n.e.c.
Sector: Other service activities
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 70/100 (strong), bankability 57/100. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
93 live charges · 8 lenders · oldest 20.7y
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 20.7 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Legal-friction score 55/100 (high).
Data confidence
Overall: low (52/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
93 charges (93/93 with lender, 93/93 with type)
90
Directors & officers
39 officers (11 active, 39 linked, 37 with DOB)
89
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
9 connected companies via shared directors
72
Filing history
233 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
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
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
3
filings
- • 1 confirmation-statement
- • 1 mortgage
- • 1 officers
Last 180 days
7
filings
- • 4 mortgage
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (199 events)Click to expand
- 2026-02-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-04📄replacement-filing-of-director-appointment-with-nameofficers · RP01AP01
- 2026-01-30🔒Charge registered #93Lender: The Highland Council
- 2025-12-31📄accounts-with-accounts-type-smallaccounts · AA
- 2025-12-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-15🔒Charge registered #91Lender: The Highland Council
- 2025-12-12🔒Charge registered #92Lender: The Highland Council
- 2025-12-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-01🔒Charge registered #90Lender: The Highland Council
- 2025-10-01➕BAZLEY, Robert John appointeddirector
- 2025-10-01➕HAY, Thomas Gary appointeddirector
- 2025-10-01➕LINDSAY, Olivia Kate appointeddirector
- 2025-10-01➕MAIR, Roderick Ian Douglas appointeddirector
- 2025-10-01➕MCMANUS, Patricia Ann appointeddirector
- 2025-10-01➕MILOVANOVIC, Milan appointeddirector
- 2025-10-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25➖SINCLAIR, Audrey, Dr resigneddirector
- 2025-07-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-14🔒Charge registered #89Lender: The Highland Council
- 2025-07-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-04📄second-filing-of-director-appointment-with-nameofficers · RP04AP01
- 2025-07-02🔒Charge registered #88Lender: The Highland Council
- 2025-06-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-06-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-10🔒Charge registered #87Lender: The Highland Council
- 2025-06-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-06🔒Charge registered #86Lender: The Highland Council
- 2025-04-14➕BROWN, Andrew Charles appointeddirector
- 2025-02-24📄resolutionresolution · RESOLUTIONS
- 2025-02-24📄memorandum-articlesincorporation · MA
- 2025-02-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-18🔒Charge registered #85Lender: The Highland Council
- 2025-02-18🔒Charge registered #84Lender: The Highland Council
- 2025-01-29🔒Charge registered #83Lender: The Highland Council
- 2025-01-28🔒Charge registered #82Lender: The Highland Council
- 2024-12-04🔒Charge registered #81Lender: The Highland Council
- 2024-12-03🔒Charge registered #80Lender: The Highland Council
- 2024-11-13🔒Charge registered #79Lender: The Highland Council
- 2024-11-07🔒Charge registered #78Lender: The Highland Council
- 2024-10-25🔒Charge registered #77Lender: The Highland Council
- 2024-08-14🔒Charge registered #76Lender: The Highland Council
- 2024-04-30🔒Charge registered #75Lender: The Highland Council
Showing most recent 50 of 199 events
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -10 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 72 — succession pressure is live.
Succession & seller-readiness
73/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 12 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 med · 1 low8 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-01-30: A registered charge; 2025-12-15: A registered charge; 2025-12-12: A registered charge
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
78 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
🔒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 · Trade services · IV postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| SAY LESS TRAIN MORE LTD→ SC797176 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| SCRATCH REPAIR SPECIALIST LTD→ SC763766 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| SEAFAST MARITIME LTD→ SC504666 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| SIKA COUNTRY SERVICES LTD→ SC788851 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| SIMPLY BLISS BEAUTY LIMITED→ SC468666 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| SPEYFIELD LIMITED→ SC222384 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| SPEYSIDE LANDSCAPING LTD→ SC868568 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SUNNYSIDE TANNING STUDIO LIMITED→ SC825838 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| TAES TECHNICAL LTD→ SC760036 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| TATTOO CENTRE (INV) LTD→ SC575733 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| TATTOO CENTRE (MORAY) LTD→ SC575751 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| TEULADA LTD→ SC766737 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Typeprivate-limited-guarant-nsc-limited-exemption
Incorporated2005-02-08
Jurisdictionscotland
Primary SIC96090 — Other service activities n.e.c.
Registered office
28 Queensgate
Inverness
IV1 1DJ
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-18
Last: 2026-02-04
Officers (11 active · 28 resigned)
MACLEOD & MACCALLUM LIMITED→
Activecorporate-secretary · appointed 2016-05-17
View their other companies + combined net worth →
BAZLEY, Robert John→
Activedirector · ~59y · appointed 2025-10-01
View their other companies + combined net worth →
BROWN, Andrew Charles→
Activedirector · ~43y · appointed 2025-04-14
View their other companies + combined net worth →
BROWNE, Donald Iain Sinclair→
Activedirector · ~65y · appointed 2014-03-17
View their other companies + combined net worth →
COUTTS, Garry James→
Activedirector · ~67y · appointed 2014-12-09
View their other companies + combined net worth →
HAY, Thomas Gary→
Activedirector · ~62y · appointed 2025-10-01
View their other companies + combined net worth →
LINDSAY, Olivia Kate→
Activedirector · ~34y · appointed 2025-10-01
View their other companies + combined net worth →
MAIR, Roderick Ian Douglas→
Activedirector · ~69y · appointed 2025-10-01
View their other companies + combined net worth →
MCMANUS, Patricia Ann→
Activedirector · ~60y · appointed 2025-10-01
View their other companies + combined net worth →
MILOVANOVIC, Milan→
Activedirector · ~66y · appointed 2025-10-01
View their other companies + combined net worth →
SINCLAIR, Glynis Elizabeth Anne→
Activedirector · ~72y · appointed 2022-08-30
View their other companies + combined net worth →
MACLEOD & MACCALLUM→
Resignedcorporate-secretary · appointed 2005-02-08 · resigned 2016-05-17
ARMITAGE, Richard→
Resigneddirector · ~62y · appointed 2016-12-05 · resigned 2018-06-05
CLAPPERTON, Neil→
Resigneddirector · ~65y · appointed 2021-11-29 · resigned 2024-02-29
CRAWFORD, George Barry→
Resigneddirector · ~57y · appointed 2018-09-03 · resigned 2019-11-29
DAVIDSON, Margaret Christine→
Resigneddirector · ~78y · appointed 2007-09-30 · resigned 2012-06-01
DONALDSON, Hugh James→
Resigneddirector · ~73y · appointed 2013-08-25 · resigned 2013-10-03
FALLOWS, David John→
Resigneddirector · ~78y · appointed 2012-11-20 · resigned 2017-05-03
GAINSFORD, Alison Mary→
Resigneddirector · ~67y · appointed 2005-02-08 · resigned 2005-02-18
GOODALL, David Archibald Lamont→
Resigneddirector · ~81y · appointed 2017-12-04 · resigned 2021-09-23
Click a director name to see their full track record across all companies.
Mortgages & charges
93
Total charges
78
Outstanding
4
Active lenders
Status:Lender:93 of 93 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Highland Council | A registered charge | 2 properties | 30/01/2026 | — | |
| outstanding | The Highland Council | A registered charge | 2 properties | 15/12/2025 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 12/12/2025 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 01/12/2025 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 14/07/2025 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 02/07/2025 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 10/06/2025 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 06/06/2025 | — | |
| outstanding | The Highland Council | A registered charge | 2 properties | 18/02/2025 | — | |
| outstanding | The Highland Council | A registered charge | 2 properties | 18/02/2025 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 29/01/2025 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 28/01/2025 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 04/12/2024 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 03/12/2024 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 13/11/2024 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 07/11/2024 | — | |
| outstanding | The Highland Council | A registered charge | 7 properties | 25/10/2024 | — | |
| outstanding | The Highland Council | A registered charge | 6 properties | 14/08/2024 | — | |
| outstanding | The Highland Council | A registered charge | 6 properties | 30/04/2024 | — | |
| outstanding | The Highland Council | A registered charge | 6 properties | 11/04/2024 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 11/04/2024 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 05/04/2024 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 05/04/2024 | — | |
| outstanding | The Highland Council | A registered charge | 11 properties | 19/03/2024 | — | |
| outstanding | The Highland Council | A registered charge | 5 properties | 19/03/2024 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 18/03/2024 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 09/11/2023 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 02/10/2023 | — | |
| outstanding | The Highland Council | A registered charge | 2 properties | 05/09/2023 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 09/08/2023 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 27/06/2023 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 09/05/2023 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 05/04/2023 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 16/02/2023 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 27/01/2023 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 31/12/2022 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 30/12/2022 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 17/12/2022 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 18/11/2022 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 31/08/2022 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 26/07/2022 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 09/07/2022 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 09/07/2022 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 09/07/2022 | — | |
| outstanding | The Highland Council | A registered charge | 2 properties | 14/03/2022 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 11/03/2022 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 23/09/2021 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 20/08/2021 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 20/08/2021 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 20/08/2021 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 20/08/2021 | — | |
| satisfied | The Highland Council | A registered charge | 1 property | 02/07/2020 | 09/11/2021 | |
| outstanding | The Highland Council | A registered charge | 1 property | 24/03/2020 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 29/11/2019 | — | |
| outstanding | The Highland Council | A registered charge | 2 properties | 04/01/2019 | — | |
| outstanding | The Highland Council | A registered charge | 2 properties | 05/12/2018 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 05/12/2018 | — | |
| outstanding | The Highland Council | A registered charge | 1 property | 07/11/2018 | — | |
| satisfied | The Highland Council | A registered charge | 1 property | 10/06/2017 | 24/11/2018 | |
| satisfied | The Highland Council | A registered charge | 1 property | 06/06/2017 | 24/11/2018 | |
| satisfied | Ark Estates (Scotland) Ark Estates (Scotland) Limited | A registered charge | 1 property | 05/06/2017 | 24/11/2018 | |
| satisfied | The Highland Council | A registered charge | 1 property | 01/04/2016 | 07/09/2016 | |
| satisfied | The Highland Council | A registered charge | 1 property | 23/09/2015 | 22/01/2016 | |
| outstanding | Highland Council | A registered charge | 1 property | 13/03/2015 | — | |
| satisfied | The Highland Council | A registered charge | 1 property | 03/12/2014 | 22/01/2016 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 11/02/2014 | 06/08/2014 | |
| outstanding | The Highland Council | Standard security | 1 property | 12/07/2012 | — | |
| outstanding | The Highland Council | Standard security | 1 property | 18/03/2011 | — | |
| outstanding | Highland Council | Standard security | 1 property | 19/01/2011 | — | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 03/11/2010 | 30/03/2011 | |
| satisfied | The Highland Council | Standard security | 1 property | 06/08/2010 | 22/03/2017 | |
| outstanding | The Highland Council | Standard security | 1 property | 27/04/2010 | — | |
| outstanding | The Highland Council | Standard security | 1 property | 19/04/2010 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 19/02/2010 | — | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 18/12/2009 | 19/02/2013 | |
| satisfied | Achintore Homes Achintore Homes LTD | Standard security | 1 property | 07/07/2009 | 15/03/2017 | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 14/05/2009 | — | |
| outstanding | The Highland Council | Minute of variation of standard security | 1 property | 04/03/2009 | — | |
| outstanding | The Highland Council | Standard security | 1 property | 06/01/2009 | — | |
| outstanding | The Highland Council | Standard security | 1 property | 08/12/2008 | — | |
| part-satisfied | The Highland Council | Standard security | 1 property | 16/10/2008 | — | |
| part-satisfied | The Highland Council | Standard security | 1 property | 16/10/2008 | — | |
| outstanding | The Highland Council | Minute of variation of standard security | 1 property | 07/07/2008 | — | |
| outstanding | The Highland Council | Standard security | 1 property | 10/04/2008 | — | |
| outstanding | Dunfermline Building Society | Standard security | 1 property | 23/08/2007 | — | |
| satisfied | Tulloch Homes Tulloch Homes Limited | Standard security | 1 property | 08/08/2007 | 18/04/2009 | |
| satisfied | The Highland Council | Standard security | 1 property | 08/08/2007 | 04/12/2014 | |
| outstanding | The Highland Council | Standard security | 1 property | 02/08/2007 | — | |
| outstanding | The Highland Council | Standard security | 1 property | 12/04/2007 | — | |
| outstanding | The Highland Council | Standard security | 1 property | 30/03/2007 | — | |
| outstanding | The Highland Council | Standard security | 1 property | 18/04/2006 | — | |
| part-satisfied | The Highland Council | Standard security | 1 property | 31/03/2006 | — | |
| satisfied | The Highland Council | Standard security | 1 property | 25/08/2005 | 18/04/2009 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (233 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-06
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2026-02-04
accounts-with-accounts-type-small
accounts · AA
2025-12-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-03
appoint-person-director-company-with-name-date
officers · AP01
2025-10-01
appoint-person-director-company-with-name-date
officers · AP01
2025-10-01
appoint-person-director-company-with-name-date
officers · AP01
2025-10-01
appoint-person-director-company-with-name-date
officers · AP01
2025-10-01
appoint-person-director-company-with-name-date
officers · AP01
2025-10-01
appoint-person-director-company-with-name-date
officers · AP01
2025-10-01
termination-director-company-with-name-termination-date
officers · TM01
2025-10-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-15