CHURCHILL HOMES (CULTER HOUSE) LIMITED

🌳Matureactive
SC480767 · ltd · incorporated 2014-06-25
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2024
Net worth
—
book net assets
Opportunity
76/100
Strong
🔔
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pursue
Active trading company with a 69-year-old founder — textbook succession opportunity.

Opportunity 76/100 (strong), bankability 77/100. Strong seller-intent signal (78/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

8 live charges · 5 lenders · oldest 11.5y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 11.5 years old — likely at or near maturity.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 4 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
66 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-06-30
Average employees200

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

🔒Filing-note intelligence

3 signals 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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (48 events)Click to expand
  1. 2026-01-08
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  2. 2025-07-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-07-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-03-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-03-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2024-01-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2024-01-15
    🔓
    Charge satisfied #7
  8. 2023-11-10
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2023-11-10
    🔓
    Charge satisfied #8
  10. 2023-04-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-04-21
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  12. 2022-04-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2022-04-01
    ➖
    WOOD, Elizabeth Margaret resigned
    secretary
  14. 2021-12-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2021-12-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2021-12-10
    🔒
    Charge registered #7
    Lender: Bank of Scotland PLC
  17. 2021-12-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  18. 2021-12-06
    🔓
    Charge satisfied #6
  19. 2021-11-29
    🔒
    Charge registered #8
    Lender: Bank of Scotland PLC
  20. 2021-06-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2020-03-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2019-07-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  23. 2019-07-01
    ➖
    CLUBB, Kenneth Alan resigned
    director
  24. 2019-04-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  25. 2019-01-16
    📄
    resolution
    resolution · RESOLUTIONS
  26. 2019-01-10
    ➕
    PIRIE, Rhona Ann appointed
    director
  27. 2018-08-14
    🔒
    Charge registered #6
    Lender: Snowdrop Developments (UK) Limited
  28. 2018-07-30
    🔓
    Charge satisfied #5
  29. 2018-07-30
    🔓
    Charge satisfied #4
  30. 2018-07-30
    🔓
    Charge satisfied #3
  31. 2018-07-30
    🔓
    Charge satisfied #2
  32. 2018-07-30
    🔓
    Charge satisfied #1
  33. 2014-11-12
    🔒
    Charge registered #5
    Lender: Sapphire Building Services Limited
  34. 2014-11-12
    🔒
    Charge registered #4
    Lender: Valancia Lending Company
  35. 2014-10-31
    🔒
    Charge registered #3
    Lender: Valencia Lending Limited
  36. 2014-10-24
    🔒
    Charge registered #2
    Lender: Sapphire Building Services Limited
  37. 2014-10-24
    🔒
    Charge registered #1
    Lender: Valencia Lending Limited
  38. 2014-08-01
    ➕
    PIRIE, Rhona Ann appointed
    secretary
  39. 2014-08-01
    ➕
    WOOD, Elizabeth Margaret appointed
    secretary
  40. 2014-08-01
    ➖
    BRODIES SECRETARIAL SERVICES LIMITED resigned
    corporate-secretary
  41. 2014-06-25
    🏢
    Company incorporated
    As CHURCHILL HOMES (CULTER HOUSE) LIMITED
  42. 2014-06-25
    ➕
    PIRIE, Gordon Duncan appointed
    director
  43. 2014-06-25
    ➕
    BRODIES SECRETARIAL SERVICES LIMITED appointed
    corporate-secretary
  44. 2014-06-25
    ➕
    JORDAN NOMINEES (SCOTLAND) LIMITED appointed
    corporate-secretary
  45. 2014-06-25
    ➖
    JORDAN NOMINEES (SCOTLAND) LIMITED resigned
    corporate-secretary
  46. 2014-06-25
    ➕
    CLUBB, Kenneth Alan appointed
    director
  47. 2014-06-25
    ➕
    HOWELL-BOWLEY, Karen Elizabeth appointed
    director
  48. 2014-06-25
    ➖
    HOWELL-BOWLEY, Karen Elizabeth resigned
    director

Owner dependency

81/100
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 age: Director aged approximately 69 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

61/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med · 1 low
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

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
Mr Gordon Duncan Pirie
Individual · British · DOB 10/1957 · age 69
50–75%
50–75%50-75% shares · 50-75% voting06/04/2016
Rhona Ann Pirie
Individual · British · DOB 11/1959 · age 67
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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
Incorporated2014-06-25
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

Brodies House
31-33 Union Grove
Aberdeen
AB10 6SD
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-06-30
Confirmation statement
Next due: 2026-07-09
Last: 2025-06-25

Officers (3 active · 5 resigned)

PIRIE, Rhona Ann→
secretary · appointed 2014-08-01
View their other companies + combined net worth →
Active
PIRIE, Gordon Duncan→
director · ~69y · appointed 2014-06-25
View their other companies + combined net worth →
Active
PIRIE, Rhona Ann→
director · ~67y · appointed 2019-01-10
View their other companies + combined net worth →
Active
WOOD, Elizabeth Margaret→
secretary · appointed 2014-08-01 · resigned 2022-04-01
Resigned
BRODIES SECRETARIAL SERVICES LIMITED→
corporate-secretary · appointed 2014-06-25 · resigned 2014-08-01
Resigned
JORDAN NOMINEES (SCOTLAND) LIMITED→
corporate-secretary · appointed 2014-06-25 · resigned 2014-06-25
Resigned
CLUBB, Kenneth Alan→
director · ~54y · appointed 2014-06-25 · resigned 2019-07-01
Resigned
HOWELL-BOWLEY, Karen Elizabeth→
director · ~60y · appointed 2014-06-25 · resigned 2014-06-25
Resigned

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

Mortgages & charges

8
Total charges
0
Outstanding
0
Active lenders
Status:Lender:8 of 8 shown
TypeProperties
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property10/12/202115/01/2024
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—29/11/202110/11/2023
satisfied
Snowdrop Developments (UK)
Snowdrop Developments (UK) Limited
A registered charge1 property14/08/201806/12/2021
satisfied
Sapphire Building Services
Sapphire Building Services Limited
A registered charge1 property12/11/201430/07/2018
satisfied
Valancia Lending Company
A registered charge1 property12/11/201430/07/2018
satisfied
Valencia Lending / Sapphire Building Services
Valencia Lending Limited / Sapphire Building Services Limited
A registered charge1 property31/10/201430/07/2018
satisfied
Sapphire Building Services
Sapphire Building Services Limited
A registered charge—24/10/201430/07/2018
satisfied
Valencia Lending
Valencia Lending Limited
A registered charge—24/10/201430/07/2018

Recent filings (66 total)

change-account-reference-date-company-previous-extended
accounts · AA01
2026-01-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-18
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-15
mortgage-satisfy-charge-full
mortgage · MR04
2023-11-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-12
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-07
termination-secretary-company-with-name-termination-date
officers · TM02
2022-04-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-12-13