STIRLING COMMUNITY ENTERPRISE LIMITED
🌳Matureactive
SC301672 · ltd · incorporated 2006-05-03
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
—
not disclosed
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
- 85590Other education n.e.c.
Investor take
PursueProperty-backed borrower with a 73-year-old founder — textbook succession opportunity.
Opportunity 73/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 73). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
17 live charges · 5 lenders · oldest 18.7y
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 18.7 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 63/100 (high).
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, 3 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
17 charges (17/17 with lender, 17/17 with type)
90
Directors & officers
51 officers (5 active, 51 linked, 49 with DOB)
89
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
176 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
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
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
3
filings
- • 2 officers
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (137 events)Click to expand
- 2025-12-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-10➖GUHA, Amitava resigneddirector
- 2025-12-10➖GUTHRIE, Katherine Anne resigneddirector
- 2025-12-09📄accounts-with-accounts-type-smallaccounts · AA
- 2025-10-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-24➖ROY, Graeme Douglas resigneddirector
- 2025-08-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-05-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-05-21➖NUNN, Rachel Louise resigneddirector
- 2025-05-05➖MORROW, Colin resigneddirector
- 2025-01-20📄accounts-with-accounts-type-smallaccounts · AA
- 2025-01-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-12-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-12-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-12-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-12-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-21➖CARRUTHERS, Harvey Robert Galloway resigneddirector
- 2024-11-21➖FOWLER, Alasdair Macleod resigneddirector
- 2024-10-16➕CLARK, William, Dr appointeddirector
- 2024-10-16➕HUNTER YOUNG, Brian appointeddirector
- 2024-10-16➕MCENEANY, Gerard appointeddirector
- 2024-10-16➕GUHA, Amitava appointeddirector
- 2024-10-16➕GUTHRIE, Katherine Anne appointeddirector
- 2024-10-16➕MORROW, Colin appointeddirector
- 2024-09-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-03➖MURRAY, Lynn Elizabeth resigneddirector
- 2023-12-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-10-26📄accounts-with-accounts-type-smallaccounts · AA
- 2023-10-05➕MCGILL, Susan Catherine appointeddirector
- 2023-08-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-06-29➖GIBSON, Daniel John resigneddirector
- 2023-06-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-24➕CARRUTHERS, Harvey Robert Galloway appointeddirector
- 2022-06-15➕NUNN, Rachel Louise appointeddirector
- 2022-05-19➖MCGILL, Susan Catherine resigneddirector
- 2020-06-15➖MCTAGGART, Patrick Joseph resigneddirector
- 2020-06-15➕ROY, Graeme Douglas appointeddirector
- 2020-06-15➖TURNBULL, John resigneddirector
- 2018-08-29➕GIBSON, Daniel John appointeddirector
- 2018-07-02➕MURRAY, Lynn Elizabeth appointeddirector
- 2018-06-26➖DEERIN, Henry resigneddirector
- 2018-06-22➕FOWLER, Alasdair Macleod appointeddirector
- 2018-06-22➕MCTAGGART, Patrick Joseph appointeddirector
- 2017-06-05➕MCGILL, Susan Catherine appointeddirector
Showing most recent 50 of 137 events
Owner dependency
55/100
Moderate — manageable with handoverSome 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 73 — succession pressure is live.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
Red flags
1 med · 1 low5 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: GUHA, Amitava resigned 2025-12-10; GUTHRIE, Katherine Anne resigned 2025-12-10; MORROW, Colin resigned 2025-05-05
17 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Raploch Urban Regeneration Company Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Raploch Urban Regeneration Company Limited
Corporate parent · holds 75-100% shares
⬇
STIRLING COMMUNITY ENTERPRISE LIMITED
This company · SC301672
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 |
|---|---|---|---|---|
Raploch Urban Regeneration Company Limited Corporate entity | 75–100% | — | 75-100% shares | 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 →Similar companies
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| ARCADIA PROPERTY LTD.→ SC570202 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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| ASH PROPERTIES (SCOTLAND) LIMITED→ SC423743 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
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| BENNETT AVE PROPERTIES LIMITED→ SC847374 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2006-05-03
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
Stirling Community Enterprise
Drip Road
Stirling
FK8 1RW
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-05-22
Last: 2025-05-08
Officers (5 active · 46 resigned)
CLARK, William, Dr→
Activedirector · ~50y · appointed 2024-10-16
View their other companies + combined net worth →
HUNTER YOUNG, Brian→
Activedirector · ~66y · appointed 2024-10-16
View their other companies + combined net worth →
MCENEANY, Gerard→
Activedirector · ~62y · appointed 2024-10-16
View their other companies + combined net worth →
MCGILL, Susan Catherine→
Activedirector · ~65y · appointed 2023-10-05
View their other companies + combined net worth →
THOMSON, James Middleton, Councillor→
Activedirector · ~73y · appointed 2017-05-18
View their other companies + combined net worth →
GLEN, Jeremy Stewart→
Resignednominee-secretary · appointed 2006-05-03 · resigned 2006-07-18
BRECHIN TINDAL OATTS→
Resignedcorporate-secretary · appointed 2006-07-18 · resigned 2009-02-04
ANDERSON, Alexander→
Resigneddirector · ~75y · appointed 2008-09-25 · resigned 2009-09-10
BOYD, Johanna Catherine→
Resigneddirector · ~51y · appointed 2012-05-24 · resigned 2017-05-04
BROWN, James→
Resigneddirector · ~85y · appointed 2008-09-25 · resigned 2011-09-08
CARRUTHERS, Harvey Robert Galloway→
Resigneddirector · ~59y · appointed 2023-05-24 · resigned 2024-11-21
CHRISTIE, Campbell, Dr→
Resigneddirector · ~89y · appointed 2008-09-25 · resigned 2011-10-28
DEERIN, Henry→
Resigneddirector · ~79y · appointed 2008-09-25 · resigned 2018-06-26
DEVLIN, Brian→
Resigneddirector · ~63y · appointed 2009-07-02 · resigned 2011-12-01
DEVLIN, Brian→
Resigneddirector · ~63y · appointed 2006-07-11 · resigned 2009-02-20
DUNN, Alastair Kenneth→
Resignednominee-director · ~60y · appointed 2006-05-03 · resigned 2006-07-18
FOWLER, Alasdair Macleod→
Resigneddirector · ~56y · appointed 2018-06-22 · resigned 2024-11-21
GAUNT, Shirley Lynne→
Resigneddirector · ~65y · appointed 2009-03-19 · resigned 2009-11-19
GIBSON, Daniel John→
Resigneddirector · ~45y · appointed 2018-08-29 · resigned 2023-06-29
GIBSON, Daniel John→
Resigneddirector · ~45y · appointed 2017-05-18 · resigned 2017-05-18
Click a director name to see their full track record across all companies.
Mortgages & charges
17
Total charges
17
Outstanding
5
Active lenders
Status:Lender:17 of 17 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Sis (Community Finance) , Company Number SC220983, as the Lender. Sis (Community Finance) Limited, Company Number SC220983, as the Lender. | A registered charge | 1 property | 03/05/2017 | — | |
| outstanding | Cruden Homes (East) Cruden Homes (East) Limited | A registered charge | 1 property | 10/02/2017 | — | |
| outstanding | The Stirling Council | A registered charge | 2 properties | 09/02/2015 | — | |
| outstanding | The Stirling Council | A registered charge | 1 property | 05/02/2015 | — | |
| outstanding | The Striling Council | A registered charge | 1 property | 05/02/2015 | — | |
| outstanding | The Stirling Council | A registered charge | 1 property | 05/02/2015 | — | |
| outstanding | Cruden Homes (East) Cruden Homes (East) Limited | A registered charge | 1 property | 28/11/2013 | — | |
| outstanding | Cruden Homes (East) Cruden Homes (East) Limited | Standard security | 1 property | 29/01/2009 | — | |
| outstanding | The Stirling Council | Standard security | 1 property | 19/01/2009 | — | |
| outstanding | Cruden Homes (East) and Another Cruden Homes (East) Limited and Another | Standard security | 1 property | 23/09/2008 | — | |
| outstanding | The Stirling Council | Standard security | 2 properties | 01/08/2007 | — | |
| outstanding | The Stirling Council | Standard security | 1 property | 01/08/2007 | — | |
| outstanding | The Stirling Council | Standard security | 1 property | 01/08/2007 | — | |
| outstanding | The Stirling Council | Standard security | 1 property | 01/08/2007 | — | |
| outstanding | The Stirling Council | Standard security | 1 property | 01/08/2007 | — | |
| outstanding | The Stirling Council | Standard security | 1 property | 01/08/2007 | — | |
| outstanding | The Stirling Council | Standard security | 1 property | 01/08/2007 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (176 total)
termination-director-company-with-name-termination-date
officers · TM01
2025-12-22
termination-director-company-with-name-termination-date
officers · TM01
2025-12-22
accounts-with-accounts-type-small
accounts · AA
2025-12-09
termination-director-company-with-name-termination-date
officers · TM01
2025-10-01
change-person-director-company-with-change-date
officers · CH01
2025-08-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-26
termination-director-company-with-name-termination-date
officers · TM01
2025-05-26
termination-director-company-with-name-termination-date
officers · TM01
2025-05-26
accounts-with-accounts-type-small
accounts · AA
2025-01-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-01-15
appoint-person-director-company-with-name-date
officers · AP01
2024-12-17
appoint-person-director-company-with-name-date
officers · AP01
2024-12-17
appoint-person-director-company-with-name-date
officers · AP01
2024-12-17
termination-director-company-with-name-termination-date
officers · TM01
2024-12-17
appoint-person-director-company-with-name-date
officers · AP01
2024-11-26