SCOTIA HOMES (NORTH) LIMITED
Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 84). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
Refinance opportunity
7 live charges · 6 lenders · oldest 27.2y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 27.2 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 48/100 (high).
Data confidence
Overall: medium (61/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 accounts
- • 1 officers
- • 1 accounts
- • 1 officers
- • 3 officers
- • 1 accounts
Corporate timeline (71 events)Click to expand
- 2026-04-01📄accounts-with-accounts-type-dormantaccounts · AA
- 2026-03-26➕MORRICE, Craig Sutherland appointeddirector
- 2026-03-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-01-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-01-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-09➕BEGBIE, Richard Gerard appointeddirector
- 2026-01-09➖BEATON, Carol Anne resigneddirector
- 2025-04-04📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-04-04📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-03-01📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-02-29➖HMS SECRETARIES LIMITED resignedcorporate-secretary
- 2023-10-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-18➖BOYLE, Patrick Joseph resigneddirector
- 2023-02-06📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-01-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-12-31➖BRUCE, William Martin resigneddirector
- 2022-12-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-11-30➖LONIE, Andrew John resigneddirector
- 2022-07-28📄change-person-director-company-with-change-dateofficers · CH01
- 2022-02-18📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-09-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-09-04🔓Charge satisfied #5
- 2021-06-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-05-05📄change-person-director-company-with-change-dateofficers · CH01
- 2020-08-06📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2020-07-22➕HMS SECRETARIES LIMITED appointedcorporate-secretary
- 2020-07-22📄appoint-corporate-secretary-company-with-name-dateofficers · AP04
- 2020-07-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-05-28➕CAMERON, David John appointeddirector
- 2020-05-28➕LINTON, Bruce Reid appointeddirector
- 2020-05-28➖BURNESS PAULL LLP resignedcorporate-secretary
- 2020-05-28➖MCLEOD, William Lind resigneddirector
- 2020-05-28➖ZANRE, Michael Luigi Peter resigneddirector
- 2019-11-25➖BRUCE, William Henry resigneddirector
- 2019-06-28➖WATT, Dennis Watson resigneddirector
- 2016-08-31➖DRYBURGH, Roy Smith resigneddirector
- 2016-01-07➖ZANRE, Michael Luigi Peter resignedsecretary
- 2016-01-07➕BURNESS PAULL LLP appointedcorporate-secretary
- 2014-09-24🔓Charge satisfied #4
- 2013-08-30🔓Charge satisfied #3
- 2013-04-29➖TASKER, Brian George resigneddirector
- 2011-12-16🔒Charge registered #7Lender: Bank of Scotland PLC
- 2011-08-01🔒Charge registered #6Lender: Bank of Scotland PLC
- 2011-05-03➕BOYLE, Patrick Joseph appointeddirector
- 2011-05-03➖BURNETT, Stephen resigneddirector
- 2010-07-09🔒Charge registered #5Lender: Crinan James Dunbar & Another
- 2009-01-05➕ZANRE, Michael Luigi Peter appointeddirector
- 2008-10-28➕DRYBURGH, Roy Smith appointeddirector
- 2008-10-28➕LONIE, Andrew John appointeddirector
- 2008-10-28➖SMITH, Alexander resigneddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 84 — succession pressure is live.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 84 years old. Natural succession window is now.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Scotia Homes (Holdings) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Scotia Homes (Holdings) 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.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (4 active · 18 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 16/12/2011 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 01/08/2011 | — | |
| satisfied | Crinan James Dunbar & Another | Standard security | 1 property | 09/07/2010 | 04/09/2021 | |
| satisfied | Crinan James Dunbar and Another | Standard security | 1 property | 09/07/2008 | 24/09/2014 | |
| satisfied | Gordon Robertson Brown | Standard security | 1 property | 25/01/2008 | 30/08/2013 | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 1 property | 07/05/2004 | — | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 23/02/1999 | 24/08/2004 |