FIFE HOUSING GROUP YOURPLACE LIMITED
Opportunity 68/100 (strong), bankability 65/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 6 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (50/100).
Refinance opportunity
47 live charges · 2 lenders · oldest 15.8y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 15.8 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: medium (57/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 confirmation-statement
- • 1 mortgage
- • 1 confirmation-statement
- • 1 mortgage
- • 1 confirmation-statement
- • 1 mortgage
Corporate timeline (122 events)Click to expand
- 2026-04-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-25🔒Charge registered #47Lender: Fife Housing Association Limited
- 2025-08-28📄accounts-with-accounts-type-smallaccounts · AA
- 2025-07-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-26🔒Charge registered #46Lender: Fife Housing Association Limited
- 2025-05-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-22🔒Charge registered #45Lender: Fife Housing Association Limited
- 2025-04-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-04-02➖STOCK, Sandra resigneddirector
- 2025-03-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-06🔒Charge registered #44Lender: Fife Housing Association Limited
- 2025-01-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-30🔒Charge registered #43Lender: Fife Housing Association Limited
- 2024-09-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-20📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-17➕STOCK, Sandra appointeddirector
- 2024-09-13🔒Charge registered #42Lender: Fife Housing Association Limited
- 2024-09-02📄accounts-with-accounts-type-smallaccounts · AA
- 2024-06-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-03🔒Charge registered #41Lender: Fife Housing Association Limited
- 2024-05-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-22🔒Charge registered #40Lender: Fife Housing Association Limited
- 2024-05-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-13🔓Charge satisfied #37
- 2024-05-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-08🔒Charge registered #39Lender: Fife Housing Association Limited
- 2024-05-08🔒Charge registered #38Lender: Fife Housing Association Limited
- 2024-05-08🔒Charge registered #37Lender: Fife Housing Association Limited
- 2023-11-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-29🔒Charge registered #36Lender: Fife Housing Association Limited
- 2023-11-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-10🔒Charge registered #35Lender: Fife Housing Association Limited
- 2023-10-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-11📄accounts-with-accounts-type-smallaccounts · AA
- 2023-10-09🔒Charge registered #34Lender: Fife Housing Association Limited
- 2022-09-20➖DEWAR, Katherine Margaret resigneddirector
- 2022-09-20➖YOUNG, Kenneth Mckenzie resigneddirector
- 2021-11-29➖STOCK, Sandra resigneddirector
- 2021-09-06➕GRAHAM, Beverley appointeddirector
- 2021-09-03➖BRAMLEY, Susan resigneddirector
- 2021-07-02🔒Charge registered #33Lender: Fife Housing Association Limited
- 2021-05-24➕MCAULAY, Ricky appointeddirector
- 2021-03-31🔒Charge registered #32Lender: Fife Housing Association Limited
- 2020-11-12🔒Charge registered #31Lender: Fife Housing Association Limited
- 2020-10-29🔒Charge registered #30Lender: Fife Housing Association Limited
- 2020-04-04➕STOCK, Sandra appointeddirector
- 2018-11-23➖DONALDSON, Nicola resignedsecretary
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryStable-but-static management: Company is 16 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
1 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-03-25: A registered charge; 2025-06-26: A registered charge; 2025-05-22: A registered charge
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Fife Housing Association is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Fife Housing Association 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.
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 · Trade services · KY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| DEARS PROPERTY LTD→ SC633033 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| DUFFY’S DIAMONDS LTD→ SC838832 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| F & M DEVELOPMENTS (SHETLAND) LTD.→ SC298555 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| FIFE LANDSCAPES & ARTIFICIAL GRASS LIMITED→ SC672626 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FISHER & DONALDSON (CUPAR) LIMITED→ SC656669 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| FISHERS SERVICES LIMITED→ SC067627 · est 1979 · no financials extracted | — | — | — | — | 46y | — | — |
| FLEXI BUSINESS SUPPORT LIMITED→ SC666621 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FLINTRIVER LIMITED→ SC211127 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| FRIENDS OF CRAIGTOUN→ SC440222 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| FUTUREFAST LIMITED→ SC499989 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| G1DM LIMITED→ SC736944 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| GARDEN WRIGHT SERVICES LTD→ SC771443 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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 →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
Registered office
Filing status
Officers (4 active · 24 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 25/03/2026 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 26/06/2025 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 22/05/2025 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 06/03/2025 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 30/01/2025 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 2 properties | 13/09/2024 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 03/06/2024 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 22/05/2024 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 08/05/2024 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 08/05/2024 | — | |
| satisfied | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 08/05/2024 | 13/05/2024 | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 29/11/2023 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 10/11/2023 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 09/10/2023 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 02/07/2021 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 31/03/2021 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 12/11/2020 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 29/10/2020 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 17/02/2016 | — | |
| outstanding | Fife Housing Association | A registered charge | 1 property | 22/01/2016 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 14/08/2015 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 09/07/2015 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 04/09/2014 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 04/09/2014 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 03/09/2014 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | A registered charge | 1 property | 03/06/2013 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 05/04/2013 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 05/04/2013 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 05/04/2013 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 05/04/2013 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 11/04/2012 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 04/04/2012 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 04/04/2012 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 04/04/2012 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 04/04/2012 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 04/04/2012 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 04/04/2012 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 04/04/2012 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 10/11/2011 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 03/11/2011 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Standard security | 1 property | 13/06/2011 | — | |
| outstanding | Fife Housing Association | Standard security | 1 property | 24/03/2011 | — | |
| outstanding | Fife Housing Association | Standard security | 1 property | 24/03/2011 | — | |
| outstanding | Fife Housing Association | Standard security | 1 property | 24/03/2011 | — | |
| outstanding | Fife Housing Association | Standard security | 1 property | 24/03/2011 | — | |
| outstanding | Fife Housing Association | Standard security | 1 property | 24/03/2011 | — | |
| outstanding | Fife Housing Association Fife Housing Association Limited | Bond & floating charge | 1 property | 14/07/2010 | — |