CRAMOND REAL ESTATE COMPANY LIMITED

🌳Matureactive

SC040369 · ltd · incorporated 1964-05-12

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

approaching window · 12-months

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

· Oldest live charge 46.8y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

75/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 46.8y

65/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 46.8 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (60/100)

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

Lenders & charges

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

Directors & officers

7 officers (3 active, 7 linked, 5 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

13 connected companies via shared directors

Filing history

96 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (25 events)Click to expand

2026-01-27
📄
accounts-with-accounts-type-full
accounts · AA
2025-02-28
📄
accounts-with-accounts-type-full
accounts · AA
2024-02-06
📄
accounts-with-accounts-type-full
accounts · AA
2023-03-28
📄
accounts-with-accounts-type-full
accounts · AA
2022-02-28
📄
accounts-with-accounts-type-full
accounts · AA
2021-01-29
📄
accounts-with-accounts-type-full
accounts · AA
2020-01-13
📄
accounts-with-accounts-type-full
accounts · AA
2019-01-10
📄
accounts-with-accounts-type-full
accounts · AA
2018-01-10
📄
accounts-with-accounts-type-full
accounts · AA
2017-08-03
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2017-04-28
📄
termination-director-company-with-name-termination-date
officers · TM01
2017-04-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2017-04-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2017-04-27
➖
SMART, John Martin resigned
director
2017-04-26
➕
SMART, David William appointed
director
2017-04-26
➕
SMART, John Richard appointed
director
2017-01-17
📄
accounts-with-accounts-type-full
accounts · AA
2016-01-29
📄
accounts-with-accounts-type-full
accounts · AA
2011-12-19
➖
MCCLURE, Andrew David resigned
director
2011-11-18
➕
SWEENEY, Patricia appointed
secretary
2011-11-18
➖
MCCLURE, Andrew David resigned
secretary
1993-12-31
➖
GRANT, William Laird resigned
director
1993-12-31
➕
MCCLURE, Andrew David appointed
director
1979-07-16
🔒
Charge registered #1
Lender: The Governor and Company of the Bank of Scotland
1964-05-12
🏢
Company incorporated
As CRAMOND REAL ESTATE COMPANY LIMITED

Owner dependency

66/100

High — earn-out structure required

Material 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

46/100

Moderate signal

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

SIGNALS

secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
secondaryStable-but-static management: Company is 62 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

clean

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

Group structure

J Smart & Co (Contractors) Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

J Smart & Co (Contractors) Plc

Corporate parent · holds 75-100% shares

ultimate parent

⬇

CRAMOND REAL ESTATE COMPANY LIMITED

This company · SC040369

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
J Smart & Co (Contractors) Plc Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	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 →

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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.

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Company details

Statusactive

Typeltd

Incorporated1964-05-12

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

28 Cramond Road South

Edinburgh

EH4 6AB

Filing status

Accounts

Next due: 2027-04-30

Last made up to: 2025-07-31

Confirmation statement

Next due: 2027-01-10

Last: 2025-12-27

Officers (3 active · 4 resigned)

SWEENEY, Patricia→

secretary · appointed 2011-11-18

View their other companies + combined net worth →

Active

SMART, David William→

director · ~53y · appointed 2017-04-26

View their other companies + combined net worth →

Active

SMART, John Richard→

director · ~56y · appointed 2017-04-26

View their other companies + combined net worth →

Active

MCCLURE, Andrew David→

secretary · resigned 2011-11-18

Resigned

GRANT, William Laird→

director · ~98y · resigned 1993-12-31

Resigned

MCCLURE, Andrew David→

director · ~80y · appointed 1993-12-31 · resigned 2011-12-19

Resigned

SMART, John Martin→

director · ~82y · resigned 2017-04-27

Resigned

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	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Letter of offset	1 property	16/07/1979	—

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