URRAS STORAS AN RUBHA

🌳Matureactive

SC420694 · private-limited-guarant-nsc-limited-exemption · incorporated 2012-03-29

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.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£1.88M

book net assets

Opportunity

77/100

Strong

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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

Property-backed borrower with a 80-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 80/100. Strong seller-intent signal (63/100, director aged 80). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 10.9y

45/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 10.9 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (72/100)

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

28 officers (9 active, 28 linked, 27 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

3 connected companies via shared directors

Filing history

79 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒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

77/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £1,878,437

Cash YoY

-22%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£87k

↓ 22% YoY

Net Worth

£1.9m

↑ 34% YoY

Current Assets

£108k

↓ 10% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31
Total assets	£1.91M	£1.40M
Current assets	£108.1k	£120.5k
Cash	£87.2k	£111.3k
Debtors	£21.0k	£9.3k
Net assets	£1.88M	£1.40M

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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (70 events)Click to expand

2025-12-09
📄
accounts-with-accounts-type-small
accounts · AA
2025-11-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-11-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-11-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-11-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-11-18
➖
BRUCE, Matthew Lloyd resigned
director
2025-11-18
➖
CHAPLIN, Elizabeth Mary resigned
director
2025-11-18
➖
MACDONALD, Donald Macleod resigned
director
2025-11-18
➖
STEWART, Angusina Yvonne resigned
director
2025-11-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-11-01
➕
MACASKILL, Iain appointed
director
2025-10-30
➖
MACLEOD, Norman resigned
director
2025-10-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-11-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-11-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-11-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-11-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-01-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-09
➖
DIXON, Joanne resigned
director
2023-10-01
➕
MEAH, Joanne appointed
director
2023-03-02
➖
MACDONALD, Helen resigned
director
2022-12-15
📄
accounts-with-accounts-type-full
accounts · AA
2022-11-14
➖
SMITH, Grace resigned
director
2022-04-25
➖
MACAULAY, Suzanne resigned
director
2021-11-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-14
📄
memorandum-articles
incorporation · MA
2021-10-14
📄
resolution
resolution · RESOLUTIONS
2021-07-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-04-26
➕
DIXON, Joanne appointed
director
2020-10-27
➕
MACAULAY, Suzanne appointed
director
2020-10-27
➕
SMITH, Grace appointed
director
2018-11-12
➖
CAMPBELL, Alasdair resigned
director
2018-05-13
➖
MORRISON, Angus Graham resigned
director
2017-11-14
➕
MACDONALD, Donald Macleod appointed
director
2017-11-14
➕
MACDONALD, Helen appointed
director
2017-11-14
➖
MACDONLD, Alasdair resigned
director
2017-11-14
➖
MORRISON, Christine Johnston resigned
director
2017-11-14
➕
STEWART, Angusina Yvonne appointed
director
2016-11-15
➕
MACDONALD, George Kenneth Martin appointed
director
2016-11-14
➖
HALL, Martin Philip resigned
director
2016-11-14
➖
MACDONALD, George Kenneth Martin resigned
director
2016-11-14
➖
MACLEOD, Sarah resigned
director
2016-11-14
➖
ROSS, Alistair Munro resigned
director
2016-08-20
🔓
Charge satisfied #1
2016-02-15
➕
LAMONT, Angus appointed
director
2016-02-15
➕
BRUCE, Matthew Lloyd appointed
director
2016-02-15
➕
CAMPBELL, Alasdair appointed
director
2016-02-15
➖
MACRITCHIE, Donald resigned
director

Showing most recent 50 of 70 events

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-8 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 80 — succession pressure is live.

Succession & seller-readiness

73/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 80 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 14 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

5 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: BRUCE, Matthew Lloyd resigned 2025-11-18; CHAPLIN, Elizabeth Mary resigned 2025-11-18; MACDONALD, Donald Macleod resigned 2025-11-18

🔒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

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MACKAY PROPERTIES LIMITED→ SC138867 · est 1992	£8.51M £7.23M–£9.78M	—	£8.51M	—	34y	79	77y
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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.

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Company details

Statusactive

Typeprivate-limited-guarant-nsc-limited-exemption

Incorporated2012-03-29

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

26 Lewis Street

Stornoway

Isle Of Lewis

HS1 2JF

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-10-06

Last: 2025-09-22