CRUDEN HOMES (SALES & MARKETING) LIMITED
🌳Matureactive
SC039594 · ltd · incorporated 1963-12-02
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
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with exceptional profile and acceptable with review structure.
Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (70/100, director aged 59). Biggest value-creation lever: Consolidate lender relationships. 12 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
16 live charges · 11 lenders · oldest 48.7y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 48.7 years old — likely at or near maturity.
- · 11 lenders named — inter-creditor friction likely.
- · Legal-friction score 55/100 (high).
Data confidence
Overall: medium (61/100)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
16 charges (16/16 with lender, 16/16 with type)
90
Directors & officers
16 officers (3 active, 16 linked, 10 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
140 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 accounts
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (71 events)Click to expand
- 2026-01-07📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-12-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-11-21➕HAGGERTY, Euan James Edward appointeddirector
- 2025-01-07📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-09-26📄change-person-director-company-with-change-dateofficers · CH01
- 2023-11-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-08-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-08-01🔓Charge satisfied #6
- 2023-07-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-24🔓Charge satisfied #23
- 2023-07-24🔓Charge satisfied #22
- 2023-07-24🔓Charge satisfied #1
- 2023-06-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-06-15🔓Charge satisfied #25
- 2022-10-17📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-02-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2021-12-20📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-11-19📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-03-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-11-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-11-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-03-09➖ROWLEY, Michael John resigneddirector
- 2014-06-26➕DIMOND, Paula appointedsecretary
- 2014-06-26➖FAIRCLOUGH, Stuart Thomas resignedsecretary
- 2009-12-08➖MATTHEWS, Malcolm Robert Angus resigneddirector
- 2008-01-04➖STANGER, Sarah Elizabeth resigneddirector
- 2002-05-24➖DOUGLAS, William Robin resigneddirector
- 2001-05-07➕REID, Kevin David appointeddirector
- 2000-01-01➕STANGER, Sarah Elizabeth appointeddirector
- 1999-11-30➖KELLY, James Anthony resigneddirector
- 1999-04-01➖PETERS, Douglas resigneddirector
- 1998-10-30➖BROWN, Alexander resigneddirector
- 1998-10-16🔒Charge registered #25Lender: The Royal Bank of Scotland PLC
- 1997-12-31➖GILCHRIST, Angus Richardson resigneddirector
- 1996-05-30🔒Charge registered #24Lender: David Robert Gilmour and Another as Trustees
- 1996-04-01➕FAIRCLOUGH, Stuart Thomas appointedsecretary
- 1996-04-01➖PETERS, Douglas resignedsecretary
- 1996-04-01➕KELLY, James Anthony appointeddirector
- 1996-04-01➕PETERS, Douglas appointeddirector
- 1995-06-28🔒Charge registered #23Lender: Messrs. S.B. Henry (A Firm) and Others, the Partners of and Trustees for the Said Firm
- 1994-01-25➖FAIRCLOUGH, Stuart Thomas resignedsecretary
- 1994-01-25➕PETERS, Douglas appointedsecretary
- 1992-11-23🔓Charge satisfied #21
- 1991-07-03🔒Charge registered #22Lender: The Lothian Regional Council
- 1991-07-03🔒Charge registered #21Lender: The Lothian Regional Council
- 1991-05-03➕FAIRCLOUGH, Stuart Thomas appointedsecretary
- 1991-05-03➖OLIVER, Richard Alan resignedsecretary
Showing most recent 50 of 71 events
Owner dependency
76/100
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.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
66/100
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.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Cruden Investments Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Cruden Investments Limited
Corporate parent · holds 75-100% shares · board control
⬇
CRUDEN HOMES (SALES & MARKETING) LIMITED
This company · SC039594
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Cruden Investments Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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 · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1LET LIMITED→ SC317107 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| 1ST CONNECT HOMES LTD→ SC842552 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 1ST FOCUS LETTING LIMITED→ SC667911 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 1ZE ESTATE LTD→ SC788004 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 20 CABOT SQUARE I UNIT TRUST GP LIMITED→ SC312228 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| 20 CABOT SQUARE II UNIT TRUST GP LIMITED→ SC312227 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| 20 CABOT SQUARE II UNIT TRUST LP LIMITED→ SC312229 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| 34 MELVILLE STREET LIMITED→ SC714514 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 39 HANOVER LIMITED→ SC552449 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 4M CAPITAL LIMITED→ SC424276 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| 6M PROPERTIES LIMITED→ SC842080 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 8TABLES LIMITED→ SC870187 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated1963-12-02
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
16 Walker Street
Edinburgh
EH3 7LP
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-19
Last: 2025-07-05
Officers (3 active · 13 resigned)
Active
HAGGERTY, Euan James Edward→
Activedirector · ~49y · appointed 2025-11-21
View their other companies + combined net worth →
REID, Kevin David→
Activedirector · ~59y · appointed 2001-05-07
View their other companies + combined net worth →
FAIRCLOUGH, Stuart Thomas→
Resignedsecretary · appointed 1996-04-01 · resigned 2014-06-26
FAIRCLOUGH, Stuart Thomas→
Resignedsecretary · appointed 1991-05-03 · resigned 1994-01-25
OLIVER, Richard Alan→
Resignedsecretary · resigned 1991-05-03
PATERSON, Matthew Inglis→
Resignedsecretary · resigned 1990-07-05
PETERS, Douglas→
Resignedsecretary · appointed 1994-01-25 · resigned 1996-04-01
BROWN, Alexander→
Resigneddirector · ~86y · resigned 1998-10-30
DOUGLAS, William Robin→
Resigneddirector · ~95y · resigned 2002-05-24
GILCHRIST, Angus Richardson→
Resigneddirector · ~98y · resigned 1997-12-31
KELLY, James Anthony→
Resigneddirector · ~67y · appointed 1996-04-01 · resigned 1999-11-30
MATTHEWS, Malcolm Robert Angus→
Resigneddirector · ~95y · resigned 2009-12-08
PETERS, Douglas→
Resigneddirector · ~59y · appointed 1996-04-01 · resigned 1999-04-01
ROWLEY, Michael John→
Resigneddirector · ~74y · resigned 2016-03-09
STANGER, Sarah Elizabeth→
Resigneddirector · ~60y · appointed 2000-01-01 · resigned 2008-01-04
Click a director name to see their full track record across all companies.
Mortgages & charges
16
Total charges
2
Outstanding
2
Active lenders
Status:Lender:16 of 16 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 16/10/1998 | 15/06/2023 | |
| outstanding | David Robert Gilmour and Another as Trustees | Standard security | 1 property | 30/05/1996 | — | |
| satisfied | Messrs. S.B. Henry (A Firm) and Others, the Partners of and Trustees for the Said Firm | Standard security | 1 property | 28/06/1995 | 24/07/2023 | |
| satisfied | The Lothian Regional Council | Standard security | 1 property | 03/07/1991 | 24/07/2023 | |
| satisfied | The Lothian Regional Council | Standard security | 1 property | 03/07/1991 | 23/11/1992 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 21/07/1989 | 04/04/1990 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 21/01/1987 | 06/01/1989 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 17/10/1986 | 27/04/1987 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Letter of agreement | 1 property | 17/10/1986 | 27/04/1987 | |
| satisfied | General Surety and Guarantee Company General Surety and Guarantee Company Limited | Standard security | 1 property | 14/02/1986 | 12/08/1987 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Standard security | 1 property | 06/09/1983 | 01/08/2023 | |
| satisfied | James Finlay Corporation James Finlay Corporation LTD | Standard security | 1 property | 20/07/1981 | 30/04/1984 | |
| satisfied | County Bank County Bank LTD | Standard security | 1 property | 14/10/1980 | 03/07/1984 | |
| outstanding | County Bank County Bank LTD | Debenture (incorporating) floating charge | 1 property | 13/10/1980 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Debenture | 1 property | 08/05/1980 | 11/02/1987 | |
| satisfied | Sir John Little Gilmour Robert Ivan / Patrick Watson Turcan | Standard security | 1 property | 29/07/1977 | 24/07/2023 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (140 total)
accounts-with-accounts-type-dormant
accounts · AA
2026-01-07
appoint-person-director-company-with-name-date
officers · AP01
2025-12-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-07
accounts-with-accounts-type-dormant
accounts · AA
2025-01-07
change-person-director-company-with-change-date
officers · CH01
2024-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-08
accounts-with-accounts-type-dormant
accounts · AA
2023-11-27
mortgage-satisfy-charge-full
mortgage · MR04
2023-08-01
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-24
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-24
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-05
mortgage-satisfy-charge-full
mortgage · MR04
2023-06-15
accounts-with-accounts-type-dormant
accounts · AA
2022-10-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-18