HEGGIE HOLDINGS LIMITED

🏛️Establishedactive

SC678615 · ltd · incorporated 2020-10-23

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 5.2y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Oct 2024

Net worth

—

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: Activities of other holding companies n.e.c.

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 5.2y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 5.2 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (81/100)

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

4 officers (4 active, 4 linked, 4 with DOB)

Ownership & PSC

4 active PSC(s) of 4 total, 4 with control declared

Director network

4 connected companies via shared directors

Filing history

11 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

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	2024-10-31	2023-10-31
Average employees	400	400

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (12 events)Click to expand

2025-07-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-24
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-02-23
🔒
Charge registered #1
Lender: Cairn Housing Association Limited
2020-10-23
🏢
Company incorporated
As HEGGIE HOLDINGS LIMITED
2020-10-23
➕
MACKAY, Alexander William Murray appointed
director
2020-10-23
➕
MACKAY, Andrew Swanson appointed
director
2020-10-23
➕
MACKAY, Audrey appointed
director
2020-10-23
➕
MACKAY, Victoria Sarah appointed
director
2020-10-23
📄
incorporation-company
incorporation · NEWINC

Owner dependency

56/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 62 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

40/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

4 active beneficial owners · fragmented

Name	Shares	Voting rights	Nature of control	Notified
Mr Andrew Swanson Mackay Individual · British · DOB 01/1970 · age 56	—	—	board controlboard control	23/10/2020
Mrs Victoria Sarah Mackay Individual · British · DOB 08/1972 · age 54	—	—	board controlboard control	23/10/2020
Mr Alexander William Murray Mackay Individual · British · DOB 03/1964 · age 62	—	—	board controlboard control	23/10/2020
Mrs Audrey Mackay Individual · British · DOB 01/1965 · age 61	—	—	board controlboard control	23/10/2020

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 →

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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

Incorporated2020-10-23

Jurisdictionscotland

Primary SIC64209 — Activities of other holding companies n.e.c.

Registered office

Scaraben Main Street

Keiss

Wick

KW1 4UY

Scotland

Filing status

Accounts

Next due: 2026-07-31

Last made up to: 2024-10-31

Confirmation statement

Next due: 2026-11-05

Last: 2025-10-22

Officers (4 active · 0 resigned)

MACKAY, Alexander William Murray→

director · ~62y · appointed 2020-10-23

View their other companies + combined net worth →

Active

MACKAY, Andrew Swanson→

director · ~56y · appointed 2020-10-23

View their other companies + combined net worth →

Active

MACKAY, Audrey→

director · ~61y · appointed 2020-10-23

View their other companies + combined net worth →

Active

MACKAY, Victoria Sarah→

director · ~54y · appointed 2020-10-23

View their other companies + combined net worth →

Active

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	Cairn Housing Association Cairn Housing Association Limited	A registered charge	1 property	23/02/2021	—

Click column headers to sort. Use filters above to narrow by status and lender.