CRUDEN HOMES (WEST) LIMITED
🌳Matureactive
SC130871 · ltd · incorporated 1991-04-01
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: Development of building projects
Sector: Construction
Investor take
PursueStrong opportunity: active trading company with exceptional profile and acceptable with review structure.
Opportunity 80/100 (exceptional), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Consolidate lender relationships. 15 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
39 live charges · 15 lenders · oldest 33.4y
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 33.4 years old — likely at or near maturity.
- · 15 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
39 charges (39/39 with lender, 39/39 with type)
90
Directors & officers
27 officers (4 active, 27 linked, 17 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
25 connected companies via shared directors
90
Filing history
226 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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (145 events)Click to expand
- 2026-01-05📄accounts-with-accounts-type-smallaccounts · AA
- 2024-11-28📄accounts-with-accounts-type-fullaccounts · AA
- 2024-09-26📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-20🔓Charge satisfied #41
- 2023-12-27📄accounts-with-accounts-type-fullaccounts · AA
- 2023-08-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-08-01🔓Charge satisfied #10
- 2023-07-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-24🔓Charge satisfied #17
- 2023-07-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-03🔓Charge satisfied #1
- 2023-05-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-01🔒Charge registered #41Lender: Glasgow City Council
- 2022-10-20📄accounts-with-accounts-type-fullaccounts · AA
- 2022-02-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2021-12-20📄accounts-with-accounts-type-fullaccounts · AA
- 2021-11-29📄change-person-director-company-with-change-dateofficers · CH01
- 2021-04-06📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-04-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-03-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-03-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-12-01📄accounts-with-accounts-type-fullaccounts · AA
- 2020-08-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-08-28🔓Charge satisfied #39
- 2020-08-28🔓Charge satisfied #40
- 2020-08-19🔓Charge satisfied #38
- 2020-08-17➕DIMOND, Paula appointedsecretary
- 2020-08-01➖MCFARLANE, Karen Elizabeth resignedsecretary
- 2020-08-01➖MCFARLANE, Karen Elizabeth resigneddirector
- 2019-11-29➖ANDERSON, Colin Alexander resigneddirector
- 2019-09-30➕LYNES, Fraser appointeddirector
- 2019-09-30➖CALLAGHAN, Allan James resigneddirector
- 2019-09-30➕LYNES, Fraser appointeddirector
- 2019-09-30➖LYNES, Fraser resigneddirector
- 2019-06-28🔒Charge registered #39Lender: The Scottish Ministers per Greater Glasgow Health Board
- 2019-06-27🔒Charge registered #40Lender: The Scottish Ministers per Greater Glasgow Health Board
- 2019-04-12➕HAGGERTY, Euan James Edward appointeddirector
- 2018-10-19🔓Charge satisfied #37
- 2018-10-19🔓Charge satisfied #36
- 2018-09-10🔒Charge registered #38Lender: North Lanarkshire Council
- 2017-03-31➖GALLACHER, John resigneddirector
- 2016-08-09🔓Charge satisfied #35
- 2016-03-09➖ROWLEY, Michael John resigneddirector
- 2016-02-19🔒Charge registered #37Lender: Glasgow City Council
- 2016-02-19🔒Charge registered #36Lender: Glasgow City Council
- 2015-08-31➖DONALD, Daniel Mcintosh resigneddirector
- 2015-07-07🔓Charge satisfied #30
- 2015-07-07🔓Charge satisfied #29
- 2015-07-07🔓Charge satisfied #19
Showing most recent 50 of 145 events
Owner dependency
68/100
High — earn-out structure requiredMaterial 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 59 — approaching natural succession window.
Succession & seller-readiness
70/100
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.
- primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 35 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
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Cruden Homes Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Cruden Homes Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
CRUDEN HOMES (WEST) LIMITED
This company · SC130871
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 Homes Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/04/2021 |
1 historic (ceased) PSC
- Cruden Holdings (West) Limitedceased 01/04/2021· 75-100% shares
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
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|---|---|---|---|---|---|---|---|
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| AR SGP LIMITED→ SC649090 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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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
Incorporated1991-04-01
Jurisdictionscotland
Primary SIC41100 — Development of building projects
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: 2027-04-15
Last: 2026-04-01
Officers (4 active · 23 resigned)
Active
HAGGERTY, Euan James Edward→
Activedirector · ~49y · appointed 2019-04-12
View their other companies + combined net worth →
LYNES, Fraser→
Activedirector · ~42y · appointed 2019-09-30
View their other companies + combined net worth →
REID, Kevin David→
Activedirector · ~59y · appointed 1999-02-09
View their other companies + combined net worth →
CALLAGHAN, Allan James→
Resignedsecretary · appointed 1996-04-01 · resigned 1997-03-31
DONALD, Daniel Mcintosh→
Resignedsecretary · appointed 2000-11-10 · resigned 2001-07-02
GRAHAM, Helen→
Resignedsecretary · appointed 1999-06-16 · resigned 2000-11-10
MCFARLANE, Karen Elizabeth→
Resignedsecretary · appointed 2014-01-10 · resigned 2020-08-01
PETERS, Douglas→
Resignedsecretary · appointed 1994-01-25 · resigned 1999-04-01
QUINN, James→
Resignedsecretary · appointed 2001-07-02 · resigned 2014-01-10
TAYLOR, Robert George→
Resignedsecretary · appointed 1991-04-01 · resigned 1994-01-25
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 1991-04-01 · resigned 1991-04-01
ANDERSON, Colin Alexander→
Resigneddirector · ~55y · appointed 2007-04-02 · resigned 2019-11-29
BROWN, Alexander→
Resigneddirector · ~86y · appointed 1993-09-07 · resigned 1995-01-30
CALLAGHAN, Allan James→
Resigneddirector · ~61y · appointed 2015-04-01 · resigned 2019-09-30
CALLAGHAN, Allan James→
Resigneddirector · ~61y · appointed 1996-11-01 · resigned 2005-04-01
CAREY, Michael John→
Resigneddirector · ~93y · appointed 1991-12-11 · resigned 2000-03-31
DONALD, Daniel Mcintosh→
Resigneddirector · ~74y · appointed 2000-04-01 · resigned 2015-08-31
GAFFNEY, David→
Resigneddirector · ~59y · appointed 1997-02-11 · resigned 1997-06-27
GALLACHER, John→
Resigneddirector · ~73y · appointed 1991-12-11 · resigned 2017-03-31
Click a director name to see their full track record across all companies.
Mortgages & charges
39
Total charges
3
Outstanding
2
Active lenders
Status:Lender:39 of 39 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Glasgow City Council | A registered charge | 1 property | 01/05/2023 | 20/02/2024 | |
| satisfied | The Scottish Ministers per Greater Glasgow Health Board | A registered charge | 1 property | 28/06/2019 | 28/08/2020 | |
| satisfied | The Scottish Ministers per Greater Glasgow Health Board | A registered charge | 1 property | 27/06/2019 | 28/08/2020 | |
| satisfied | North Lanarkshire Council | A registered charge | 1 property | 10/09/2018 | 19/08/2020 | |
| satisfied | Glasgow City Council | A registered charge | 1 property | 19/02/2016 | 19/10/2018 | |
| satisfied | Glasgow City Council | A registered charge | 1 property | 19/02/2016 | 19/10/2018 | |
| satisfied | Glasgow City Council | Share pledge | 1 property | 22/01/2013 | 09/08/2016 | |
| outstanding | Queens and Lord Treasurers Remembrancer | Standard security | 1 property | 02/10/2009 | — | |
| satisfied | South Lanarkshire Council | Standard security | 1 property | 18/09/2008 | 27/02/2010 | |
| satisfied | Glasgow City Council | Standard security | 1 property | 16/03/2007 | 31/07/2012 | |
| outstanding | South Lanarkshire Council | Standard security | 1 property | 05/12/2006 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 07/06/2006 | 07/07/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 07/06/2006 | 07/07/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 05/08/2005 | 21/11/2012 | |
| satisfied | Fhc Property & Storage Fhc Property & Storage Limited | Standard security | 1 property | 15/07/2005 | 05/07/2008 | |
| outstanding | South Lanarkshire Council | Standard security | 1 property | 06/06/2005 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 02/05/2005 | 24/07/2007 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 19/04/2005 | 05/09/2007 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 19/04/2005 | 05/07/2008 | |
| satisfied | Scottish Ministers | Standard security | 1 property | 14/04/2005 | 25/05/2007 | |
| satisfied | Glasgow City Council | Standard security | 1 property | 04/04/2005 | 01/11/2012 | |
| satisfied | The Scottish Ministers | Standard security | 1 property | 01/02/2005 | 25/05/2007 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 11/10/2004 | 07/07/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 30/01/2004 | 26/07/2007 | |
| satisfied | The Scottish Ministers | Standard security | 1 property | 23/10/2003 | 24/07/2023 | |
| satisfied | Copperfield Logistics Copperfield Logistics Limited | Standard security | 1 property | 06/08/2003 | 05/06/2009 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 06/08/2002 | 01/05/2007 | |
| satisfied | Scottish Homes | Standard security | 1 property | 28/03/2002 | 31/03/2007 | |
| satisfied | Scottish Homes | Standard security | 1 property | 12/02/2002 | 08/03/2007 | |
| satisfied | Scottish Homes | Standard security | 1 property | 04/10/2000 | 09/01/2007 | |
| satisfied | Scottish Enterprise Glasgow | Standard security | 1 property | 25/09/2000 | 24/09/2009 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 16/10/1998 | 01/08/2023 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 24/02/1998 | 05/07/2008 | |
| satisfied | The British Linen Bank The British Linen Bank Limited | Standard security | 1 property | 02/02/1998 | 31/05/2006 | |
| satisfied | Glasgow Development Agency | Standard security | 1 property | 17/12/1997 | 31/05/2006 | |
| satisfied | Scottish Homes | Standard security | 1 property | 25/07/1997 | 31/05/2006 | |
| satisfied | The British Linen Bank The British Linen Bank Limited | Standard security | 1 property | 23/02/1995 | 09/06/1997 | |
| satisfied | Glasgow Development Agency | Standard security | 1 property | 16/11/1993 | 31/05/2006 | |
| satisfied | The City of Glasgow District Council | Standard security | 2 properties | 13/11/1992 | 03/07/2023 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (226 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-07
accounts-with-accounts-type-small
accounts · AA
2026-01-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-02
accounts-with-accounts-type-full
accounts · AA
2024-11-28
change-person-director-company-with-change-date
officers · CH01
2024-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-02
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-20
accounts-with-accounts-type-full
accounts · AA
2023-12-27
mortgage-satisfy-charge-full
mortgage · MR04
2023-08-01
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-24
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-05-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-13
accounts-with-accounts-type-full
accounts · AA
2022-10-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-01