PEAL HOLDINGS LTD
🌱Startupactive
SC875178 · ltd · incorporated 2026-01-14
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
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 acceptable with review structure.
Opportunity 72/100 (strong), bankability 70/100. 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 0.1y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.1 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (55/100)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
No iXBRL financials extracted
0
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
3 filings
60
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.
Recent activity
Last 30 days
2
filings
- • 2 mortgage
Last 90 days
2
filings
- • 2 mortgage
Last 180 days
3
filings
- • 2 mortgage
- • 1 incorporation
Counts from Companies House filing history.
Corporate timeline (8 events)Click to expand
- 2026-05-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-15🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2026-05-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-08🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2026-01-14🏢Company incorporatedAs PEAL HOLDINGS LTD
- 2026-01-14➕HALL, Eildon David appointeddirector
- 2026-01-14➕HALL, Iona Katherine appointeddirector
- 2026-01-14📄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.
- +Young company: Only 0.4 years old — management layer unlikely to be developed.
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 Eildon David Hall Individual · British · DOB 05/1984 · age 42 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 14/01/2026 |
Mrs Iona Katherine Hall Individual · British · DOB 02/1989 · age 37 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 14/01/2026 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Property · TD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| LORNATRAD LIMITED→ 14418706 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| MAM RURAL LIMITED→ 11841439 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| MARSHALL LEISURE LIMITED→ 00653223 · est 1960 · no financials extracted | — | — | — | — | 66y | — | — |
| MCCALL CAPITAL ASSETS LTD→ 05549811 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| MIDDLETON HALL COTTAGES MANAGEMENT COMPANY LTD→ 09741831 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| MINDRUM PROPERTIES LIMITED→ 00543645 · est 1955 · no financials extracted | — | — | — | — | 71y | — | — |
| NESSIE PROPERTY LIMITED→ 15215128 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| NEW WHITEHALL HOUSE LIMITED→ 11313937 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| O'ROURKE PROPERTY INVESTMENTS LTD→ 11538218 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| OLD SMOKERY (SEAHOUSES) LIMITED→ 04120859 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| PASTON PLACE LTD→ 16267002 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| PP67 LTD→ 16701763 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2026-01-14
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Mountview Cottage High Street
Town Yetholm
Kelso
TD5 8RF
United Kingdom
Filing status
Accounts
Next due: 2027-10-14
Last made up to: —
Confirmation statement
Next due: 2027-01-27
Last: —
Officers (2 active · 0 resigned)
HALL, Eildon David→
Activedirector · ~42y · appointed 2026-01-14
View their other companies + combined net worth →
HALL, Iona Katherine→
Activedirector · ~37y · appointed 2026-01-14
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 | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 15/05/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 08/05/2026 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (3 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-11
incorporation-company
incorporation · NEWINC
2026-01-14