HORIZON RESIDENTIAL INVESTMENTS LTD
🏛️Establishedactive
SC619844 · ltd · incorporated 2019-01-31
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 Jan 2025
Net worth
—
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 69/100 (strong), bankability 57/100. 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 (58/100).
🏦
Refinance opportunity
7 live charges · 5 lenders · oldest 6.0y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 6.0 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: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
6 officers (2 active, 6 linked, 6 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
37 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
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
82
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 | 2 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
- 2025-09-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-18🔒Charge registered #7Lender: Together Commercial Finance Limited
- 2023-12-05🔒Charge registered #6Lender: Together Commercial Finance Limited
- 2023-10-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-03-20📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-13📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-11-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-10🔒Charge registered #5Lender: Cumberland Building Society
- 2021-04-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-04-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-04-14➖ROBERTSON, Louise Rachel resigneddirector
- 2021-04-14➖WODAR, Karen resigneddirector
- 2020-12-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-12-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-12-22🔒Charge registered #3Lender: Cumberland Building Society
- 2020-12-16🔒Charge registered #4Lender: Charter Court Financial Services Limited
- 2020-12-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-10-01➕ROBERTSON, Louise Rachel appointeddirector
- 2020-10-01➕WODAR, Karen appointeddirector
- 2020-05-11🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2020-05-11🔒Charge registered #1Lender: Mortgage Works (UK) PLC
- 2019-03-01➖ROBERTSON, Louise Rachel resigneddirector
- 2019-03-01➖WODAR, Karen resigneddirector
- 2019-01-31🏢Company incorporatedAs HORIZON RESIDENTIAL INVESTMENTS LTD
- 2019-01-31➕ROBERTSON, John Peter appointeddirector
- 2019-01-31➕WODAR, Albert George appointeddirector
- 2019-01-31➕ROBERTSON, Louise Rachel appointeddirector
- 2019-01-31➕WODAR, Karen appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
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 low7 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Albert George Wodar Individual · British · DOB 07/1978 · age 48 | 25–50% | — | 25-50% shares | 01/12/2020 |
Mr John Peter Robertson Individual · British · DOB 04/1972 · age 54 | 25–50% | — | 25-50% shares | 01/11/2020 |
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 →Similar companies
Active · Property · TD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| EDMISTON CARA HOUSE LTD→ 14127793 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| EM NORTHUMBERLAND LTD→ 15931539 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| GARLETON LIMITED→ 15324827 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| GREEN DIRECT LIMITED→ 10842268 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| GROUNDWORK PROPERTY LIMITED→ 11550726 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| GUZ 1 LTD→ 12443152 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| HEDLEY ESTATES LIMITED→ 10491129 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| HOLY ISLAND OF LINDISFARNE COMMUNITY DEVELOPMENT TRUST→ 06776737 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| HOMEPACK PROPERTY LTD→ SC724746 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| HOMES ON TWEED LTD→ SC749396 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| HSW ASSETS LIMITED→ SC723977 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| IB ASSET MANAGEMENT LTD→ SC777526 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2019-01-31
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
St Leonards Mill
Lauder
Lauder
Scottish Borders
TD2 6RY
Scotland
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-04-01
Last: 2026-03-18
Officers (2 active · 4 resigned)
ROBERTSON, John Peter→
Activedirector · ~54y · appointed 2019-01-31
View their other companies + combined net worth →
WODAR, Albert George→
Activedirector · ~48y · appointed 2019-01-31
View their other companies + combined net worth →
ROBERTSON, Louise Rachel→
Resigneddirector · ~49y · appointed 2020-10-01 · resigned 2021-04-14
ROBERTSON, Louise Rachel→
Resigneddirector · ~49y · appointed 2019-01-31 · resigned 2019-03-01
WODAR, Karen→
Resigneddirector · ~49y · appointed 2020-10-01 · resigned 2021-04-14
WODAR, Karen→
Resigneddirector · ~49y · appointed 2019-01-31 · resigned 2019-03-01
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
7
Outstanding
5
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 18/12/2023 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 05/12/2023 | — | |
| outstanding | Cumberland Building Society | A registered charge | — | 10/06/2021 | — | |
| outstanding | Cumberland Building Society | A registered charge | 1 property | 22/12/2020 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 16/12/2020 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 11/05/2020 | — | |
| outstanding | Mortgage Works (UK) Mortgage Works (UK) PLC | A registered charge | 1 property | 11/05/2020 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (37 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-03-20
change-person-director-company-with-change-date
officers · CH01
2023-03-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-26
change-person-director-company-with-change-date
officers · CH01
2022-10-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-13