CALGARY HERITAGE LIMITED
💤Zombieactive
SC588883 · ltd · incorporated 2018-02-15
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 Mar 2025
Net worth
£-19.1k
book net assets
Opportunity
78/100
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
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 78/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
4 live charges · 2 lenders · oldest 6.9y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · 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
4 charges (4/4 with lender, 4/4 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
21 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Negative net assets
Liabilities exceed assets by £19,118
Cash YoY
-10%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£27k
↓ 9.8% YoY
Net Worth
-£19k
↑ 72% YoY
Current Assets
£29k
↓ 16% 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 | £1.31M | £1.32M |
| Current assets | £28.9k | £34.5k |
| Cash | £27.5k | £30.4k |
| Debtors | £1.4k | £4.0k |
| Net assets | £-19.1k | £-69.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 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
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2025-11-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-04🔒Charge registered #4Lender: Paragon Bank PLC
- 2021-08-03🔒Charge registered #3Lender: Paragon Bank PLC
- 2021-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-15📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-10-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-09-24🔒Charge registered #2Lender: Kensington Mortgage Company Limited
- 2019-06-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-05-31🔒Charge registered #1Lender: Kensington Mortgage Company Limited
- 2019-04-18📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2018-02-15🏢Company incorporatedAs CALGARY HERITAGE LIMITED
- 2018-02-15➕KINLOCH, James Alexander appointeddirector
- 2018-02-15📄incorporation-companyincorporation · NEWINC
Owner dependency
88/100
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.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr James Alexander Kinloch Individual · British · DOB 09/1967 · age 59 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 15/02/2018 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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Active · Property · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BTHM PROPERTIES LIMITED→ SC552888 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| C-BIRD LIMITED→ SC630130 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| C1 PROPERTY INVESTMENTS LIMITED→ SC837177 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CALEDONIAN FINANCE LIMITED→ SC123931 · est 1990 · no financials extracted | — | — | — | — | 36y | — | — |
| CANADA PLACE (RETAIL) UNIT TRUST LP LIMITED→ SC312212 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| CANADA PLACE MALL (RETAIL) UNIT TRUST LP LIMITED→ SC312215 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| CARDIOPACE MEDICAL LTD→ SC726464 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CARROLL PROPERTY LTD→ SC834339 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CART PROPERTY LIMITED→ SC602566 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CASTLE ZENON LTD→ SC811128 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CASTLEHILL PROP CO LIMITED→ SC770308 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CASTLELAW BONDED WAREHOUSES (GLENROTHES) LTD→ SC725388 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2018-02-15
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
Calgary House
Hazyhill
Humbie
East Lothian
EH36 5PA
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-28
Last: 2026-02-14
Officers (1 active · 0 resigned)
KINLOCH, James Alexander→
Activedirector · ~59y · appointed 2018-02-15
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
4
Outstanding
2
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 04/08/2021 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 03/08/2021 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 24/09/2019 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 31/05/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (21 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-08-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-08-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-19