CENTRAL SCOTLAND HOMES LIMITED
🌳Matureactive
SC351414 · ltd · incorporated 2008-11-17
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 15.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£134.5k
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
Investor take
PursueAsset-holding vehicle with a 93-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (73/100, director aged 93). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 15.4y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 15.4 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
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
5 officers (4 active, 5 linked, 3 with DOB)
82
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
47 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →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.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £134,458
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£134k
↑ 8.8% YoY
Current Assets
£94k
↑ 4.6% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £134.5k | £123.6k |
| Current assets | £93.6k | £89.5k |
| Cash | — | £89.5k |
| Debtors | — | £1 |
| Net assets | £134.5k | £123.6k |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2025-08-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-09📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-08-22📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-05-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-10🔓Charge satisfied #1
- 2023-04-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-04-25🔓Charge satisfied #2
- 2022-08-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-08-20📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-08-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-06-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-08-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-06-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-06-07🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2017-07-04📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-10-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-09-27📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-17📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2010-12-21🔒Charge registered #1Lender: The Mortgage Works
- 2010-11-01➕FORBES, William Norman Gordon appointedsecretary
- 2010-11-01➖FORBES, Andrew Craig resignedsecretary
- 2009-03-17➕FORBES, Andrew Craig appointeddirector
- 2009-03-17➕FORBES, Bruce Cameron appointeddirector
- 2009-03-17➕FORBES, Andrew Craig appointedsecretary
- 2008-11-17🏢Company incorporatedAs CENTRAL SCOTLAND HOMES LIMITED
- 2008-11-17➕FORBES, William Norman Gordon appointeddirector
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
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 93 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
83/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 93 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 17 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 |
|---|---|---|---|---|
Mr Andrew Craig Forbes Individual · British · DOB 03/1967 · age 59 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 17/11/2016 |
Mr Bruce Cameron Forbes Individual · British · DOB 06/1965 · age 61 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 17/11/2016 |
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
Active · Property · FK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALPHA EQUITIES LIMITED→ SC331034 · est 2007 | £105.8k £89.9k–£121.6k | — | £105.8k | — | 18y | 83 | 63y |
| SOLSO LIMITED→ SC334086 · est 2007 | £57.5k £48.9k–£66.1k | — | £57.5k | — | 18y | 83 | 60y |
| BLUEWATER (GLENROTHES 1) LIMITED→ SC373830 · est 2010 · no financials extracted | — | — | — | — | 16y | 83 | 74y |
| BLUEWATER (STIRLING 3) LIMITED→ SC202443 · est 1999 · no financials extracted | — | — | — | — | 26y | 83 | 74y |
| E.D.M. LANDSCAPING LIMITED→ SC098480 · est 1986 | — | — | — | 0 | 40y | 83 | 69y |
| ALGROVE DEVELOPMENTS (SCOTLAND) LTD.→ SC212429 · est 2000 | — | — | — | 200 | 25y | 82 | 81y |
| STIRLING INNS LTD.→ SC190222 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| SYNCPLEX LTD→ SC666210 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| TKKT PROPERTIES LIMITED→ SC826665 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| TORTOLANO HOLDINGS LTD→ SC861119 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| UROJ PROPERTIES LIMITED→ SC837839 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| WD HARLEY PROPERTY LTD→ SC501666 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated2008-11-17
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
38 Grampian Road
Stirling
FK7 9JP
United Kingdom
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-11-22
Last: 2025-11-08
Officers (4 active · 1 resigned)
FORBES, William Norman Gordon→
Activesecretary · appointed 2010-11-01
View their other companies + combined net worth →
FORBES, Andrew Craig→
Activedirector · ~59y · appointed 2009-03-17
View their other companies + combined net worth →
FORBES, Bruce Cameron→
Activedirector · ~61y · appointed 2009-03-17
View their other companies + combined net worth →
FORBES, William Norman Gordon→
Activedirector · ~93y · appointed 2008-11-17
View their other companies + combined net worth →
FORBES, Andrew Craig→
Resignedsecretary · appointed 2009-03-17 · resigned 2010-11-01
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 07/06/2018 | 25/04/2023 | |
| satisfied | The Mortgage Works | Standard security | 1 property | 21/12/2010 | 10/05/2023 |
Recent filings (47 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-14
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-11
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-08
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-07-09
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-08-22
mortgage-satisfy-charge-full
mortgage · MR04
2023-05-10
mortgage-satisfy-charge-full
mortgage · MR04
2023-04-25
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-08-19
confirmation-statement-with-updates
confirmation-statement · CS01
2021-11-08
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-08-20
confirmation-statement-with-updates
confirmation-statement · CS01
2020-11-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-08-28
confirmation-statement-with-updates
confirmation-statement · CS01
2019-11-08