HOLIDAY LETS SCOTLAND LIMITED
🌿Early-stageactive
SC712772 · ltd · incorporated 2021-10-20
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 4.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and bankable structure.
Opportunity 72/100 (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
2 live charges · oldest 4.4y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.4 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · 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
2 charges (2/2 with lender, 2/2 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
14 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
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 | 2024-10-31 | 2023-10-31 |
|---|---|---|
| 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
0
filings
Counts from Companies House filing history.
Corporate timeline (15 events)Click to expand
- 2025-07-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-18📄mortgage-create-with-deed-with-charles-court-order-extend-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-12-07🔒Charge registered #1Lender: Cumberland Building Society
- 2021-12-06🔒Charge registered #2Lender: Cumberland Building Society
- 2021-11-17📄capital-allotment-sharescapital · SH01
- 2021-11-17📄memorandum-articlesincorporation · MA
- 2021-11-17📄resolutionresolution · RESOLUTIONS
- 2021-11-17📄capital-name-of-class-of-sharescapital · SH08
- 2021-10-20🏢Company incorporatedAs HOLIDAY LETS SCOTLAND LIMITED
- 2021-10-20➕NICOLSON, James Fraser appointeddirector
- 2021-10-20➕NICOLSON, Karen Pamela, Dr appointeddirector
- 2021-10-20📄incorporation-companyincorporation · NEWINC
Owner dependency
66/100
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.
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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr James Fraser Nicolson Individual · British · DOB 07/1981 · age 45 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 20/10/2021 |
Dr Karen Pamela Nicolson Individual · British · DOB 10/1982 · age 44 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 20/10/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| HIGHLAND HABITAT LIMITED→ SC826958 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| HILLEND VALLEY HOMES LTD→ SC872197 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HMZY PROPERTIES LTD→ SC822277 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| HNE CONSULTANTS LTD→ SC705970 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| HNL INVESTMENT PROPERTIES LTD→ SC717833 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| HOME SWEET HOME LETTING AGENCY LIMITED→ SC501315 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| HOMESTAGING & STYLING LTD.→ SC320334 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| HONEYDEW EDINBURGH LETTINGS LTD→ SC839830 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| HOOLIHAN LIMITED→ SC228723 · est 2002 · no financials extracted | — | — | — | — | 24y | — | — |
| HOPE PARK LIMITED→ SC316869 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| HOPEFIELD PROPERTY CO LTD→ SC684999 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| HOPETOUN PROPERTY LTD→ SC760387 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2021-10-20
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
6 St. Colme Street
Edinburgh
EH3 6AD
Scotland
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-11-02
Last: 2025-10-19
Officers (2 active · 0 resigned)
NICOLSON, James Fraser→
Activedirector · ~45y · appointed 2021-10-20
View their other companies + combined net worth →
NICOLSON, Karen Pamela, Dr→
Activedirector · ~44y · appointed 2021-10-20
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Cumberland Building Society | A registered charge | 1 property | 07/12/2021 | — | |
| outstanding | Cumberland Building Society | A registered charge | 2 properties | 06/12/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (14 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-09
mortgage-create-with-deed-with-charles-court-order-extend-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-18
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-03
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-12-24
capital-allotment-shares
capital · SH01
2021-11-17
memorandum-articles
incorporation · MA
2021-11-17
resolution
resolution · RESOLUTIONS
2021-11-17
capital-name-of-class-of-shares
capital · SH08
2021-11-17
incorporation-company
incorporation · NEWINC
2021-10-20