DUMFRIES AND GALLOWAY HOMES LIMITED
🌳Matureactive
SC304439 · ltd · incorporated 2006-06-23
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
74/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 65-year-old founder — textbook succession opportunity.
Opportunity 74/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 65). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
25 live charges · 6 lenders · oldest 31.1y
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 31.1 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 63/100 (high).
Data confidence
Overall: low (49/100)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
25 charges (25/25 with lender, 25/25 with type)
90
Directors & officers
33 officers (3 active, 33 linked, 28 with DOB)
87
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
1 connected companies via shared directors
48
Filing history
146 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
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
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (113 events)Click to expand
- 2026-01-08📄accounts-with-accounts-type-smallaccounts · AA
- 2024-12-09📄accounts-with-accounts-type-smallaccounts · AA
- 2024-02-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-02-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-01-30➕MCINNES, Anthony Lewis Duncan appointeddirector
- 2024-01-26➖JOHNSTON, Gavin resigneddirector
- 2023-11-15📄accounts-with-accounts-type-smallaccounts · AA
- 2023-09-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-06➖PAUL, Kirsty Louise resigneddirector
- 2023-08-30➕MCGINN, Kirsteen appointeddirector
- 2023-08-30➕SANDEY, Alan appointeddirector
- 2023-08-30➕JOHNSTON, Gavin appointeddirector
- 2023-07-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-06-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-06-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-06-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-06-05📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-06-02➖BALLANTINE, Lesley resigneddirector
- 2023-06-02➖ROGERSON, Malcolm Douglas resigneddirector
- 2023-05-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-12🔒Charge registered #25Lender: Loreburn Housing Association Limited
- 2023-04-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-12➖NELSON, Peter Highland Christie resignedsecretary
- 2023-04-12➖NELSON, Peter Highland Christie resigneddirector
- 2023-04-12➕PAUL, Kirsty Louise appointeddirector
- 2023-04-12➕ROGERSON, Malcolm Douglas appointeddirector
- 2023-04-12➖USHER, Lorraine resigneddirector
- 2023-02-20➖WARD, Peter Jonathan resigneddirector
- 2022-12-15📄accounts-with-accounts-type-smallaccounts · AA
- 2022-03-31📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2022-02-22➕NELSON, Peter Highland Christie appointedsecretary
- 2022-02-22➖WARD, Peter Jonathan resignedsecretary
- 2022-02-22➖WISHART, Robin resigneddirector
- 2021-08-24➖JONES, Michael James resigneddirector
- 2021-06-18🔓Charge satisfied #17
- 2021-03-30➕NELSON, Peter Highland Christie appointeddirector
- 2021-01-26➕BALLANTINE, Lesley appointeddirector
- 2020-11-17➕WARD, Peter Jonathan appointedsecretary
- 2020-11-16🔓Charge satisfied #14
- 2020-09-08➖RODGERS, Derek resignedsecretary
- 2020-09-08➖RODGERS, Derek resigneddirector
- 2019-09-24➖COUPE, Alison resigneddirector
- 2019-09-05➖FARRELL, Maureen resigneddirector
- 2018-05-29➕LAUDER, Lindsay appointeddirector
Showing most recent 50 of 113 events
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
22 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 · Property · DG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CRAIGIEBROOK LTD→ SC666112 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| HUNTER'S PROPERTIES LTD→ SC854041 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| J N HOME INVESTMENTS LTD→ SC750788 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| JAMES BROWN (PETROL) LIMITED→ SC091899 · est 1985 · no financials extracted | — | — | — | — | 41y | — | — |
| JANDERA PROPERTIES LIMITED→ SC876881 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| JAS P WILSON LTD→ SC683484 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| JAYM PROPERTY LTD→ SC844050 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| JEK PROPERTY DEVELOPMENTS LTD→ SC742977 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| JKB PROPERTY AND HOLIDAY LETS LTD→ SC788577 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| JLR RENTALS LTD→ SC790084 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| JOCKSPEED LIMITED→ SC440849 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| JOHN CURRIE LIMITED→ SC306404 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
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
Incorporated2006-06-23
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
7 Gifhorn House
Shakespeare Street
Dumfries
DG1 2JB
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-07
Last: 2025-06-23
Officers (3 active · 30 resigned)
MCGINN, Kirsteen→
Activedirector · ~57y · appointed 2023-08-30
View their other companies + combined net worth →
MCINNES, Anthony Lewis Duncan→
Activedirector · ~65y · appointed 2024-01-30
View their other companies + combined net worth →
SANDEY, Alan→
Activedirector · ~46y · appointed 2023-08-30
View their other companies + combined net worth →
AGNEW, John Ross→
Resignedsecretary · appointed 2006-06-23 · resigned 2012-08-08
JONES, Michael James→
Resignedsecretary · appointed 2012-10-09 · resigned 2018-04-16
NELSON, Peter Highland Christie→
Resignedsecretary · appointed 2022-02-22 · resigned 2023-04-12
RODGERS, Derek→
Resignedsecretary · appointed 2018-04-17 · resigned 2020-09-08
WARD, Peter Jonathan→
Resignedsecretary · appointed 2020-11-17 · resigned 2022-02-22
AGNEW, John Ross→
Resigneddirector · ~91y · appointed 2006-06-23 · resigned 2012-08-08
BALLANTINE, Lesley→
Resigneddirector · ~62y · appointed 2021-01-26 · resigned 2023-06-02
CHARTERS, James Leslie→
Resigneddirector · ~92y · appointed 2011-03-01 · resigned 2012-07-06
COUPE, Alison→
Resigneddirector · ~72y · appointed 2017-09-26 · resigned 2019-09-24
COWAN, Niall→
Resigneddirector · ~68y · appointed 2009-12-08 · resigned 2010-04-02
FARRELL, Maureen→
Resigneddirector · ~78y · appointed 2006-06-23 · resigned 2019-09-05
HOGG, James Campbell→
Resigneddirector · ~70y · appointed 2006-06-23 · resigned 2011-09-27
JOHNSTON, Gavin→
Resigneddirector · ~38y · appointed 2023-08-30 · resigned 2024-01-26
JONES, Michael James→
Resigneddirector · ~74y · appointed 2011-07-07 · resigned 2021-08-24
LAUDER, Lindsay→
Resigneddirector · ~45y · appointed 2018-05-29 · resigned 2018-05-29
LEWIS, Geoffrey, Mister→
Resigneddirector · ~70y · appointed 2011-07-07 · resigned 2013-02-01
MACARTHUR, Thomas Walter→
Resigneddirector · ~91y · appointed 2006-06-23 · resigned 2010-06-09
Click a director name to see their full track record across all companies.
Mortgages & charges
25
Total charges
22
Outstanding
5
Active lenders
Status:Lender:25 of 25 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Loreburn Housing Association Loreburn Housing Association Limited | A registered charge | 3 properties | 12/05/2023 | — | |
| outstanding | Loreburn Housing Association Loreburn Housing Association Limited | A registered charge | 1 property | 03/05/2013 | — | |
| outstanding | Loreburn Housing Association Loreburn Housing Association Limited | Standard security | 1 property | 04/06/2012 | — | |
| outstanding | Loreburn Housing Association Loreburn Housing Association Limited | Standard security | 1 property | 03/10/2011 | — | |
| outstanding | Loreburn Housing Association Loreburn Housing Association Limited | Standard security | 1 property | 03/10/2011 | — | |
| outstanding | Loreburn Housing Association Loreburn Housing Association Limited | Standard security | 1 property | 10/12/2010 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 19/08/2008 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 19/08/2008 | 07/09/2017 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 19/08/2008 | 18/06/2021 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 19/08/2008 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 19/08/2008 | — | |
| satisfied | Ban of Scotland Ban of Scotland PLC | Standard security | 1 property | 19/08/2008 | 16/11/2020 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 19/08/2008 | — | |
| outstanding | Loreburn Housing Asociation Loreburn Housing Asociation Limited | Standard security | 1 property | 21/06/2007 | — | |
| outstanding | Loreburn Housing Asociation Loreburn Housing Asociation Limited | Standard security | 1 property | 20/06/2007 | — | |
| outstanding | Loreburn Housing Asociation Loreburn Housing Asociation Limited | Standard security | 1 property | 20/06/2007 | — | |
| outstanding | Loreburn Housing Association Loreburn Housing Association Limited | Standard security | 1 property | 20/06/2007 | — | |
| outstanding | Loreburn Housing Association Loreburn Housing Association Limited | Standard security | 1 property | 18/05/2007 | — | |
| outstanding | Loreburn Housing Association Loreburn Housing Association Limited | Standard security | 1 property | 25/04/2007 | — | |
| outstanding | Loreburn Housing Association Loreburn Housing Association Limited | Standard security | 1 property | 25/04/2007 | — | |
| outstanding | Loreburn Housing Association Loreburn Housing Association Limited | Standard security | 1 property | 25/04/2007 | — | |
| outstanding | Dunfermline Building Society | Standard security | 1 property | 11/12/2006 | — | |
| outstanding | Dunfermline Building Society | Standard security | 1 property | 11/12/2006 | — | |
| outstanding | Loreburn Housing Association Loreburn Housing Association Limited | Standard security | 1 property | 25/09/2006 | — | |
| outstanding | The Dumfries & Galloway Council | Assignation of standard security | 1 property | 05/04/1995 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (146 total)
accounts-with-accounts-type-small
accounts · AA
2026-01-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-20
accounts-with-accounts-type-small
accounts · AA
2024-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-01
appoint-person-director-company-with-name-date
officers · AP01
2024-02-23
termination-director-company-with-name-termination-date
officers · TM01
2024-02-23
accounts-with-accounts-type-small
accounts · AA
2023-11-15
termination-director-company-with-name-termination-date
officers · TM01
2023-09-27
appoint-person-director-company-with-name-date
officers · AP01
2023-09-14
appoint-person-director-company-with-name-date
officers · AP01
2023-09-13
appoint-person-director-company-with-name-date
officers · AP01
2023-09-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-07-03
termination-director-company-with-name-termination-date
officers · TM01
2023-06-06
termination-director-company-with-name-termination-date
officers · TM01
2023-06-06