FHD LTD.
🌳Matureactive
SC337585 · ltd · incorporated 2008-02-11
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 15.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
ALSO REGISTERED FOR
- 98000Residents property management
Investor take
PursueProperty-backed borrower with a 68-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 70/100. Strong seller-intent signal (83/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 4 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
4 live charges · oldest 15.9y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 15.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
61 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
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 · accounting standard unknown| Metric | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Total assets | — | £106.0k |
| Current assets | — | £2.8k |
| Cash | — | £2.2k |
| Debtors | — | £650 |
| Net assets | — | £54.6k |
| Average employees | 0 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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
5
filings
- • 2 persons-with-significant-control
- • 2 officers
- • 1 confirmation-statement
Last 180 days
6
filings
- • 2 persons-with-significant-control
- • 2 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-02-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-19📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-16📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-11-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-10-13📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2010-08-23🔒Charge registered #4Lender: Royal Bank of Scotland PLC
- 2010-08-20🔒Charge registered #3Lender: Royal Bank of Scotland PLC
- 2010-08-20🔒Charge registered #2Lender: Royal Bank of Scotland PLC
- 2010-05-26🔒Charge registered #1Lender: Royal Bank of Scotland PLC
- 2008-02-11🏢Company incorporatedAs FHD LTD.
- 2008-02-11➕BULL, Esther Ingeborg appointedsecretary
- 2008-02-11➕BULL, Esther Ingeborg appointeddirector
- 2008-02-11➕LOUGHRAN-DIETZ, Barbara Gwenneth appointeddirector
- 2008-02-11➕BRIAN REID LTD. appointedcorporate-secretary
- 2008-02-11➖BRIAN REID LTD. resignedcorporate-secretary
- 2008-02-11➕STEPHEN MABBOTT LTD. appointedcorporate-director
- 2008-02-11➖STEPHEN MABBOTT LTD. resignedcorporate-director
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
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 18 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
79/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 18 years.
- secondaryStable-but-static management: Company is 18 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Esther Ingeborg Bull Individual · British · DOB 11/1960 · age 66 | 25–50% | — | 25-50% shares | 01/01/2017 |
Mrs Barbara Gwenneth Loughran-Dietz Individual · German · DOB 09/1958 · age 68 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/01/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| FORT PROPERTY LTD→ SC552065 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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| GLOW HOMES AYRSHIRE ESTATE AGENTS LTD→ SC671515 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| GRAY FAMILY INVESTMENTS LIMITED→ SC572711 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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| GRO COFFEE BARS LIMITED→ SC845594 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| H&K HOTELS GROUP LIMITED→ SC737312 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| HALF FULL DEVELOPMENTS LTD.→ SC270066 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| HB HOMES (SCOTLAND) LTD→ SC846968 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HEAD IN THE SKYE LTD→ SC672264 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| HEATHERHYLL PROPERTIES LIMITED→ SC883871 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2008-02-11
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
7 Old Glasgow Road
Stewarton
Kilmarnock
KA3 5JJ
Scotland
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-02-25
Last: 2026-02-11
Officers (3 active · 2 resigned)
BULL, Esther Ingeborg→
Activesecretary · appointed 2008-02-11
View their other companies + combined net worth →
BULL, Esther Ingeborg→
Activedirector · ~66y · appointed 2008-02-11
View their other companies + combined net worth →
LOUGHRAN-DIETZ, Barbara Gwenneth→
Activedirector · ~68y · appointed 2008-02-11
View their other companies + combined net worth →
BRIAN REID LTD.→
Resignedcorporate-secretary · appointed 2008-02-11 · resigned 2008-02-11
STEPHEN MABBOTT LTD.→
Resignedcorporate-director · appointed 2008-02-11 · resigned 2008-02-11
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
4
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 23/08/2010 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 20/08/2010 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 20/08/2010 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Floating charge | 1 property | 26/05/2010 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (61 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-20
change-person-director-company-with-change-date
officers · CH01
2026-02-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-16
change-person-director-company-with-change-date
officers · CH01
2026-02-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-18