HOCHY HOMES LIMITED
🏛️Establishedactive
SC554871 · ltd · incorporated 2017-01-18
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 9.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
—
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and bankable structure.
Opportunity 71/100 (strong), bankability 75/100. 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
3 live charges · 2 lenders · oldest 9.2y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · 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
3 charges (3/3 with lender, 3/3 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
23 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
77
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 · FRS 102| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Average employees | 200 | 200 |
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 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2025-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-05-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-05-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-05-23🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2019-05-23🔓Charge satisfied #2
- 2019-05-23🔓Charge satisfied #1
- 2018-10-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-03-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-03-10🔒Charge registered #2Lender: Aldermore Bank PLC
- 2017-02-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-02-20🔒Charge registered #1Lender: Aldermore Bank PLC
- 2017-01-18🏢Company incorporatedAs HOCHY HOMES LIMITED
- 2017-01-18➕CHRISTIE, David Lee appointeddirector
- 2017-01-18➕CHRISTIE, Sheryne Elisabeth appointeddirector
- 2017-01-18📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Sheryne Elisabeth Christie Individual · British · DOB 09/1981 · age 45 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 18/01/2017 |
Mr David Lee Christie Individual · British · DOB 10/1982 · age 44 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 18/01/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Property · KY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| HOMARNA ECOSTORE LIMITED→ SC254848 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| HURRIKANE PROPERTIES LIMITED→ SC655545 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| INDIGO (SCOTLAND) LIMITED→ SC193859 · est 1999 · no financials extracted | — | — | — | — | 27y | — | — |
| IVY PROPERTIES (SCOTLAND) LIMITED→ SC828222 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| JAMES S. WHITE LTD→ SC583833 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| JDBS PROPERTIES LTD→ SC517829 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| JEKC LTD→ SC514751 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| JESS AND JINX LTD→ SC685768 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| JMM PROPERTY SOLUTIONS LTD→ SC798339 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| JMS STAN PROPERTIES LTD→ SC879557 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| JNL PROPERTY GROUP LTD→ SC853160 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JNREID PROPERTIES LTD→ SC710743 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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 →🔒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
Incorporated2017-01-18
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
Eq Accountants
Pentland House
Glenrothes
Fife
KY6 2AH
Scotland
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-01-31
Last: 2026-01-17
Officers (2 active · 0 resigned)
CHRISTIE, David Lee→
Activedirector · ~44y · appointed 2017-01-18
View their other companies + combined net worth →
CHRISTIE, Sheryne Elisabeth→
Activedirector · ~45y · appointed 2017-01-18
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 23/05/2019 | — | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 10/03/2017 | 23/05/2019 | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | — | 20/02/2017 | 23/05/2019 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (23 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-06-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2019-05-29