HOWSE PARTNERSHIP LTD

🌳Matureactive
SC453833 · ltd · incorporated 2013-07-04
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 12.7y 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 Oct 2024
Net worth
£13.4k
book net assets
Opportunity
73/100
Strong
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 73/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

2 live charges · oldest 12.7y

85/100
ready

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

  • · Oldest live charge is 12.7 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (78/100)

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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
39 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £13,383
Net assets shrinking
Down £13,258 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£13k
↓ 50% YoY
Current Assets
£41k
↓ 43% YoY
Current Liabilities
—
£0£14k£29k£43k£57k£72kOct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-10-312023-10-31
Total assets£58.6k£64.1k
Current assets£40.6k£71.8k
Net assets£13.4k£26.6k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
1
filing
  • • 1 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2025-09-24
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2025-09-24
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-06-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-03-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-03-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-06-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-09-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2021-09-07
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  9. 2021-07-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-07-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-04-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2018-06-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-05-02
    📍
    move-registers-to-sail-company-with-new-address
    address · AD03
  14. 2018-05-02
    📍
    change-sail-address-company-with-new-address
    address · AD02
  15. 2017-12-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2013-11-12
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC
  17. 2013-10-07
    🔒
    Charge registered #1
    Lender: Clydesdale Bank PLC
  18. 2013-07-04
    🏢
    Company incorporated
    As HOWSE PARTNERSHIP LTD
  19. 2013-07-04
    ➕
    HOWSE, Denise Frances appointed
    director
  20. 2013-07-04
    ➕
    HOWSE, Jamie appointed
    director

Owner dependency

86/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "HOWSE" — strong identity link between founder and business.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

49/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 13 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Denise Frances Howse
Individual · British · DOB 11/1969 · age 57
25–50%
—25-50% shares06/04/2016
Mr Jamie Howse
Individual · British · DOB 10/1970 · age 56
25–50%
—25-50% shares06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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 →
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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
Typeltd
Incorporated2013-07-04
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

Bank House
Bellabeg
Strathdon
AB36 8UL
Scotland

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2027-06-17
Last: 2026-06-03

Officers (2 active · 0 resigned)

HOWSE, Denise Frances→
director · ~57y · appointed 2013-07-04
View their other companies + combined net worth →
Active
HOWSE, Jamie→
director · ~56y · appointed 2013-07-04
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC
A registered charge1 property12/11/2013—
outstanding
Virgin Money
Clydesdale Bank PLC
A registered charge1 property07/10/2013—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (39 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-24
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-24
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-11
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-15
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-13
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-09-16
change-sail-address-company-with-old-address-new-address
address · AD02
2021-09-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-02
confirmation-statement-with-updates
confirmation-statement · CS01
2021-06-18