STAG HOMEBUYERS LTD
💤Zombieactive
SC554677 · ltd · incorporated 2017-01-16
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
—
book net assets
Opportunity
66/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 66/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
18 live charges · 8 lenders · oldest 6.8y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.8 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
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, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
18 charges (18/18 with lender, 18/18 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
66/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Average employees | 0 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
5
filings
- • 1 confirmation-statement
- • 1 mortgage
- • 1 officers
Last 180 days
5
filings
- • 1 confirmation-statement
- • 1 mortgage
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (41 events)Click to expand
- 2026-03-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-04🔒Charge registered #18Lender: Aldermore Bank PLC
- 2026-02-26📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-10-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-02🔒Charge registered #17Lender: Ultimate Bridging Finance Limited
- 2025-09-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-08🔒Charge registered #16Lender: Ultimate Bridging Finance Limited
- 2025-04-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-18🔒Charge registered #15Lender: Paratus Amc Limited
- 2025-03-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-19🔒Charge registered #14Lender: Lendinvest Btl Limited
- 2024-09-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-11🔒Charge registered #13Lender: The Mortgage Works (UK) PLC
- 2024-04-01📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-02-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-01🔒Charge registered #12Lender: Aldermore Bank PLC
- 2024-01-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-09🔒Charge registered #11Lender: The Mortgage Works (UK) PLC
- 2023-07-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-04-14🔒Charge registered #10Lender: Shawbrook Bank Limited
- 2023-04-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-04-05🔒Charge registered #9Lender: The Mortgage Works (UK) PLC
- 2022-08-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-31🔒Charge registered #7Lender: The Mortgage Works (UK) PLC
- 2022-08-30🔒Charge registered #8Lender: The Mortgage Works (UK) PLC
- 2021-10-21🔒Charge registered #6Lender: Paragon Bank PLC
- 2021-04-15🔓Charge satisfied #2
- 2021-04-03🔒Charge registered #5Lender: The Mortgage Lender Limited
- 2021-03-31🔒Charge registered #4Lender: The Mortgage Lender Limited
- 2021-03-22🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2021-03-03🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2019-08-12🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2017-01-16🏢Company incorporatedAs STAG HOMEBUYERS LTD
- 2017-01-16➕DAVISON, Ross Alistair appointeddirector
Owner dependency
80/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med · 1 low3 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-03-04: A registered charge; 2025-10-02: A registered charge; 2025-09-08: A registered charge
17 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ross Alistair Davison Individual · British · DOB 04/1988 · age 38 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 16/01/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Property · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| SR PROPERTIES AND INVESTMENTS LIMITED→ SC867772 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SSMCG LTD→ SC823523 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ST ANDREWS ESTATES (SCOTLAND) LIMITED→ SC271716 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| STAG PROPERTIES LTD.→ SC232325 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| STAR MANAGEMENT LTD→ SC725606 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| STATION HOUSE GLASGOW LTD→ SC210000 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| STAYSAGE LTD→ SC830302 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| STEYNE PROPERTY MANAGEMENT LTD→ SC705959 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| STG HOMES LTD→ SC796496 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| STIRLING PROPERTY SURVEY LTD→ SC847779 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| STONEFIELD ROOMS LTD→ SC611102 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| STORAGE WARZ LIMITED→ SC866171 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2017-01-16
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
18 Barbeth Place
Cumbernauld
Glasgow
G67 4SF
Scotland
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-04-15
Last: 2026-04-01
Officers (1 active · 0 resigned)
DAVISON, Ross Alistair→
Activedirector · ~38y · appointed 2017-01-16
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
18
Total charges
17
Outstanding
8
Active lenders
Status:Lender:18 of 18 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 04/03/2026 | — | |
| outstanding | Ultimate Bridging Finance Ultimate Bridging Finance Limited | A registered charge | 5 properties | 02/10/2025 | — | |
| outstanding | Ultimate Bridging Finance Ultimate Bridging Finance Limited | A registered charge | — | 08/09/2025 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 18/03/2025 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 19/02/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 11/05/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 01/02/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 09/01/2024 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 14/04/2023 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 05/04/2023 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 31/08/2022 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 30/08/2022 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 21/10/2021 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 03/04/2021 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 31/03/2021 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 22/03/2021 | — | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 03/03/2021 | 15/04/2021 | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 12/08/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (49 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-19
change-person-director-company-with-change-date
officers · CH01
2026-02-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-09
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-05
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-20
change-person-director-company-with-change-date
officers · CH01
2024-04-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-01