DONALD ROSS ESTATE AGENTS LIMITED
🌳Matureactive
SC290184 · ltd · incorporated 2005-09-12
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 20.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Real estate agencies
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower 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. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 20.5y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 20.5 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — 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, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
63 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 accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Average employees | 1000 | 1200 |
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
4
filings
- • 2 capital
- • 2 persons-with-significant-control
Last 180 days
4
filings
- • 2 capital
- • 2 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2026-03-31📄capital-cancellation-sharescapital · SH06
- 2026-03-31📄capital-return-purchase-own-sharescapital · SH03
- 2026-03-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-03-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-07-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-04-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-01-31➖MILLER, Steven resigneddirector
- 2018-07-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-07📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2017-04-21➕STEWART, Fraser William appointeddirector
- 2017-04-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2012-05-17🔒Charge registered #2Lender: Bank of Scotland PLC
- 2005-10-22🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2005-10-07➕MILLER, Jacqueline appointedsecretary
- 2005-10-07➕MILLER, Jacqueline appointeddirector
- 2005-10-07➖DUPORT SECRETARY LIMITED resignedcorporate-nominee-secretary
- 2005-10-07➕MILLER, Steven appointeddirector
- 2005-10-07➖DUPORT DIRECTOR LIMITED resignedcorporate-nominee-director
- 2005-09-12🏢Company incorporatedAs DONALD ROSS ESTATE AGENTS LIMITED
- 2005-09-12➕DUPORT SECRETARY LIMITED appointedcorporate-nominee-secretary
- 2005-09-12➕DUPORT DIRECTOR LIMITED appointedcorporate-nominee-director
Owner dependency
68/100
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 21 years — deep operational knowledge concentrated in one person.
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 21 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 21 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Jacqueline Miller Individual · Scottish · DOB 11/1969 · age 57 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
1 historic (ceased) PSC
- Mr Steven Millerceased 27/02/2026· 25-50% shares · 25-50% voting · board control · significant influence
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 · Property · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CROWLIN PROPERTY LIMITED→ SC688823 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| D WILSON LETTINGS LTD→ SC875431 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| DAEDALUS PROPERTIES LIMITED→ SC222335 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| DMG PROPERTY LTD→ SC626229 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| DMS (SHELF) NO. 248 LIMITED→ SC307722 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| DMVE TRUSTEE LIMITED→ SC043088 · est 1966 · no financials extracted | — | — | — | — | 60y | — | — |
| DN DESIGN PROPERTY SOLUTIONS LTD→ SC767823 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| DOWNIE CAPITAL PROPERTIES LIMITED→ SC555480 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| DR DUNDONALD OFFICES LTD→ SC868884 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DRAKEMYRE PROPERTIES LIMITED→ SC540411 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| DRUMMOND OF BELLFIELD LIMITED→ SC669482 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| DRUMPELLIER & MT. VERNON ESTATES LTD→ SC882724 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2005-09-12
Jurisdictionscotland
Primary SIC68310 — Real estate agencies
Registered office
1 Beresford Terrace
Ayr
KA7 2ER
Scotland
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-09-26
Last: 2025-09-12
Officers (3 active · 3 resigned)
MILLER, Jacqueline→
Activesecretary · appointed 2005-10-07
View their other companies + combined net worth →
MILLER, Jacqueline→
Activedirector · ~57y · appointed 2005-10-07
View their other companies + combined net worth →
STEWART, Fraser William→
Activedirector · ~40y · appointed 2017-04-21
View their other companies + combined net worth →
DUPORT SECRETARY LIMITED→
Resignedcorporate-nominee-secretary · appointed 2005-09-12 · resigned 2005-10-07
MILLER, Steven→
Resigneddirector · ~54y · appointed 2005-10-07 · resigned 2019-01-31
DUPORT DIRECTOR LIMITED→
Resignedcorporate-nominee-director · appointed 2005-09-12 · resigned 2005-10-07
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 17/05/2012 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 22/10/2005 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (63 total)
capital-cancellation-shares
capital · SH06
2026-03-31
capital-return-purchase-own-shares
capital · SH03
2026-03-31
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-12
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-30