HOME HARDWARE (SCOTLAND) LIMITED

🌳Matureactive
SC121685 · ltd · incorporated 1989-11-30
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 35.6y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No material changes in the last 90 days.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£1.93M
book net assets
Opportunity
80/100
Exceptional
🔔
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What this business does
Primary activity: SIC 46740
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 75/100. 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. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

6 live charges · 2 lenders · oldest 35.6y

50/100
clean up first

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

  • · Oldest live charge is 35.6 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 30/100 — workable, but lender will want more DD.

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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
19 officers (3 active, 19 linked, 17 with DOB)
88
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
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.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £1,928,550
Net assets shrinking
Down £25,640 YoY
Cash YoY
+69%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£679k
↑ 69% YoY
Net Worth
£1.9m
↓ 1.3% YoY
Current Assets
£5.7m
↓ 4.5% YoY
Current Liabilities
—
£0£1.2m£2.4m£3.6m£4.8m£6.0mDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Total assets£5.11M£5.58M
Current assets£5.70M£5.97M
Cash£679.3k£402.9k
Debtors£1.32M£1.56M
Net assets£1.93M£1.95M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 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 (63 events)Click to expand
  1. 2025-12-05
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2025-09-26
    📄
    accounts-with-accounts-type-medium
    accounts · AA
  3. 2025-03-26
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  4. 2025-03-03
    ➖
    FERGUSON, Brian Lawrie Hunter resigned
    director
  5. 2024-09-24
    📄
    accounts-with-accounts-type-full
    accounts · AA
  6. 2023-09-28
    📄
    accounts-with-accounts-type-full
    accounts · AA
  7. 2022-11-21
    📄
    accounts-with-accounts-type-small
    accounts · AA
  8. 2021-11-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2021-11-05
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2021-09-29
    📄
    accounts-with-accounts-type-small
    accounts · AA
  11. 2020-10-22
    📄
    accounts-with-accounts-type-small
    accounts · AA
  12. 2019-05-29
    📄
    accounts-with-accounts-type-small
    accounts · AA
  13. 2018-09-14
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  14. 2018-09-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2018-09-14
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2018-09-14
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  17. 2018-08-28
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2018-07-19
    ➖
    FERGUSON, James Hunter resigned
    director
  19. 2018-06-15
    📄
    accounts-with-accounts-type-full
    accounts · AA
  20. 2018-06-01
    ➕
    O'WARE, Derek John appointed
    director
  21. 2018-05-29
    ➕
    LEARY, Fiona Mary Elizabeth appointed
    director
  22. 2016-09-12
    ➖
    HAYES, Michael Richard resigned
    secretary
  23. 2015-06-16
    ➖
    CROCKET, Douglas Ross resigned
    director
  24. 2011-04-21
    🔓
    Charge satisfied #4
  25. 2011-04-21
    🔓
    Charge satisfied #3
  26. 2011-03-25
    🔒
    Charge registered #6
    Lender: Bank of Scotland PLC
  27. 2011-03-25
    🔓
    Charge satisfied #1
  28. 2011-03-09
    🔒
    Charge registered #5
    Lender: Bank of Scotland PLC
  29. 2011-03-02
    🔓
    Charge satisfied #2
  30. 2010-01-29
    ➖
    IRVINE, Stephanie Jane resigned
    director
  31. 2010-01-29
    ➖
    MCDOUGALL, John resigned
    director
  32. 2009-12-17
    ➕
    FERGUSON, Brian Lawrie Hunter appointed
    director
  33. 2003-01-23
    ➖
    GARVIE, John Lawrence resigned
    director
  34. 2003-01-23
    ➕
    IRVINE, Stephanie Jane appointed
    director
  35. 2002-03-25
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  36. 2002-03-25
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  37. 2002-01-24
    ➕
    HAYES, Michael Richard appointed
    secretary
  38. 2002-01-24
    ➖
    MCMEEKING, John resigned
    secretary
  39. 2002-01-24
    ➖
    MCMEEKING, John resigned
    director
  40. 1999-09-29
    ➕
    MCEWAN, Christopher James appointed
    director
  41. 1999-09-29
    ➖
    BATCHELOR, Charles Stirling Hill resigned
    director
  42. 1999-08-27
    ➖
    GIBB- STUART, Hugh Alexander resigned
    director
  43. 1999-02-02
    ➖
    WATERS, Ian David resigned
    director
  44. 1998-04-30
    ➖
    LAUDER, David Craig resigned
    director
  45. 1996-01-01
    ➕
    CROCKET, Douglas Ross appointed
    director
  46. 1995-10-10
    ➕
    GIBB- STUART, Hugh Alexander appointed
    director
  47. 1995-10-10
    ➖
    STUART, Hugh Alexander Gibb resigned
    director
  48. 1994-05-01
    ➖
    FULLERTON, Alan Montgomerie resigned
    director
  49. 1993-03-01
    ➖
    COGHILL, Frank William resigned
    director
  50. 1993-03-01
    ➕
    WATERS, Ian David appointed
    director
Showing most recent 50 of 63 events

Owner dependency

68/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

80/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 37 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • 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
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mrs Celia Ferguson
Individual · British · DOB 12/1947 · age 79
50–75%
50–75%50-75% shares · 50-75% voting · firm interest14/09/2018
1 historic (ceased) PSC
  • Mr James Hunter Fergusonceased 19/07/2018· 75-100% shares · 75-100% voting · board control · significant influence · firm interest

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated1989-11-30
Jurisdictionscotland
Primary SIC46740 — SIC 46740

Registered office

26a Dalry Road
Ardrossan
Ayrshire
KA22 7GQ

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-14
Last: 2025-11-30

Officers (3 active · 16 resigned)

LEARY, Fiona Mary Elizabeth→
director · ~54y · appointed 2018-05-29
View their other companies + combined net worth →
Active
MCEWAN, Christopher James→
director · ~63y · appointed 1999-09-29
View their other companies + combined net worth →
Active
O'WARE, Derek John→
director · ~55y · appointed 2018-06-01
View their other companies + combined net worth →
Active
HAYES, Michael Richard→
secretary · appointed 2002-01-24 · resigned 2016-09-12
Resigned
MCMEEKING, John→
secretary · appointed 1989-12-18 · resigned 2002-01-24
Resigned
BATCHELOR, Charles Stirling Hill→
director · ~82y · appointed 1990-12-05 · resigned 1999-09-29
Resigned
COGHILL, Frank William→
director · ~71y · appointed 1990-12-05 · resigned 1993-03-01
Resigned
CROCKET, Douglas Ross→
director · ~76y · appointed 1996-01-01 · resigned 2015-06-16
Resigned
FERGUSON, Brian Lawrie Hunter→
director · ~47y · appointed 2009-12-17 · resigned 2025-03-03
Resigned
FERGUSON, James Hunter→
director · ~79y · appointed 1989-12-18 · resigned 2018-07-19
Resigned
FULLERTON, Alan Montgomerie→
director · ~86y · appointed 1990-12-05 · resigned 1994-05-01
Resigned
GARVIE, John Lawrence→
director · ~87y · appointed 1990-12-05 · resigned 2003-01-23
Resigned
GIBB- STUART, Hugh Alexander→
director · ~63y · appointed 1995-10-10 · resigned 1999-08-27
Resigned
IRVINE, Stephanie Jane→
director · ~54y · appointed 2003-01-23 · resigned 2010-01-29
Resigned
LAUDER, David Craig→
director · ~69y · appointed 1990-12-05 · resigned 1998-04-30
Resigned
MCDOUGALL, John→
director · ~64y · appointed 1990-12-05 · resigned 2010-01-29
Resigned
MCMEEKING, John→
director · ~80y · appointed 1989-12-18 · resigned 2002-01-24
Resigned
STUART, Hugh Alexander Gibb→
director · ~100y · appointed 1990-12-05 · resigned 1995-10-10
Resigned
WATERS, Ian David→
director · ~80y · appointed 1993-03-01 · resigned 1999-02-02
Resigned

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

Mortgages & charges

6
Total charges
2
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC
Standard security1 property25/03/2011—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
Floating charge1 property09/03/2011—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property25/03/200221/04/2011
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property25/03/200221/04/2011
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property22/01/199102/03/2011
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property31/12/199025/03/2011
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (140 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-05
accounts-with-accounts-type-medium
accounts · AA
2025-09-26
termination-director-company-with-name-termination-date
officers · TM01
2025-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-04
accounts-with-accounts-type-full
accounts · AA
2024-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-06
accounts-with-accounts-type-full
accounts · AA
2023-09-28
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-01
accounts-with-accounts-type-small
accounts · AA
2022-11-21
confirmation-statement-with-updates
confirmation-statement · CS01
2021-11-30
change-person-director-company-with-change-date
officers · CH01
2021-11-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-11-05
accounts-with-accounts-type-small
accounts · AA
2021-09-29
confirmation-statement-with-updates
confirmation-statement · CS01
2020-12-08