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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 15.5y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£134.5k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Asset-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 15.5y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 15.5 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 accounts
Cash
—
Net Worth
£134k
↑ 8.8% YoY
Current Assets
£94k
↑ 4.6% YoY
Current Liabilities
—
£0£27k£54k£81k£108k£134kNov 2023Nov 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2024-11-302023-11-30
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
  1. 2025-08-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-07-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2023-08-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2023-05-10
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2023-05-10
    🔓
    Charge satisfied #1
  6. 2023-04-25
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2023-04-25
    🔓
    Charge satisfied #2
  8. 2022-08-19
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2021-08-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2020-08-28
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2019-06-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2018-08-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2018-06-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2018-06-07
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  15. 2017-07-04
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2016-10-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2016-09-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2015-12-17
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  19. 2010-12-21
    🔒
    Charge registered #1
    Lender: The Mortgage Works
  20. 2010-11-01
    ➕
    FORBES, William Norman Gordon appointed
    secretary
  21. 2010-11-01
    ➖
    FORBES, Andrew Craig resigned
    secretary
  22. 2009-03-17
    ➕
    FORBES, Andrew Craig appointed
    director
  23. 2009-03-17
    ➕
    FORBES, Bruce Cameron appointed
    director
  24. 2009-03-17
    ➕
    FORBES, Andrew Craig appointed
    secretary
  25. 2008-11-17
    🏢
    Company incorporated
    As CENTRAL SCOTLAND HOMES LIMITED
  26. 2008-11-17
    ➕
    FORBES, William Norman Gordon appointed
    director

Owner dependency

83/100
Critical — business is the founder

The 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 18 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 candidate

Strong 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 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Andrew Craig Forbes
Individual · British · DOB 03/1967 · age 59
25–50%
25–50%board control25-50% shares · 25-50% voting · board control17/11/2016
Mr Bruce Cameron Forbes
Individual · British · DOB 06/1965 · age 61
25–50%
25–50%board control25-50% shares · 25-50% voting · board control17/11/2016

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 →

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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→
secretary · appointed 2010-11-01
View their other companies + combined net worth →
Active
FORBES, Andrew Craig→
director · ~59y · appointed 2009-03-17
View their other companies + combined net worth →
Active
FORBES, Bruce Cameron→
director · ~61y · appointed 2009-03-17
View their other companies + combined net worth →
Active
FORBES, William Norman Gordon→
director · ~93y · appointed 2008-11-17
View their other companies + combined net worth →
Active
FORBES, Andrew Craig→
secretary · appointed 2009-03-17 · resigned 2010-11-01
Resigned

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
TypeProperties
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property07/06/201825/04/2023
satisfied
The Mortgage Works
Standard security1 property21/12/201010/05/2023

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