THE ISLE OF GIGHA HERITAGE TRUST
🌳Matureactive
SC224141 · private-limited-guarant-nsc-limited-exemption · incorporated 2001-10-11
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
72/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 75-year-old founder — textbook succession opportunity.
Opportunity 72/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 75). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 14 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 · 14 lenders · oldest 24.1y
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 24.1 years old — likely at or near maturity.
- · 14 lenders named — inter-creditor friction likely.
- · Legal-friction score 63/100 (high).
Data confidence
Overall: low (49/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
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
100 officers (8 active, 100 linked, 85 with DOB)
87
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
3 connected companies via shared directors
54
Filing history
326 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 officers
Last 180 days
6
filings
- • 5 officers
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (282 events)Click to expand
- 2026-03-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-16➕WILSON, Keith Talbot appointeddirector
- 2026-01-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-01-12➕WATSON, Gordon Thomas appointeddirector
- 2025-12-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-11-27📄accounts-with-accounts-type-groupaccounts · AA
- 2025-11-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-20➕WILSON, Ian Connell appointeddirector
- 2025-11-20➖WHITE, Graham Fergus resigneddirector
- 2025-11-20➖WILSON, Ian Connell resigneddirector
- 2025-11-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-14📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-07-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-03🔒Charge registered #39Lender: Sis (Community Finance) Limited
- 2025-04-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-31➖PINNIGER, Ian Roger resigneddirector
- 2024-12-12📄accounts-with-accounts-type-groupaccounts · AA
- 2024-11-28➕CLEMENTS, Elizabeth Jane appointeddirector
- 2024-11-28➕MURPHY, Adam appointeddirector
- 2024-11-28➖CLEMENTS, Jane resigneddirector
- 2024-11-28➖MURPHY, Adam resigneddirector
- 2024-11-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-11-16🔓Charge satisfied #1
- 2024-06-25📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-06-17➕MACINTYRE, Jane Helen appointedsecretary
- 2024-01-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-15🔓Charge satisfied #29
- 2024-01-15🔓Charge satisfied #28
- 2024-01-15🔓Charge satisfied #14
- 2024-01-15🔓Charge satisfied #13
- 2024-01-15🔓Charge satisfied #12
- 2024-01-15🔓Charge satisfied #11
- 2024-01-15🔓Charge satisfied #10
- 2024-01-15🔓Charge satisfied #8
- 2023-12-14➕CHRISTIE, Fergus John Francis appointeddirector
- 2023-12-14➕LISTER, Timothy John appointeddirector
- 2023-12-14➖CHRISTIE, Fergus John Francis resigneddirector
- 2023-12-14➖GRUNSETH, Jon Rieder resigneddirector
- 2023-12-14➕MURPHY, Adam appointeddirector
- 2023-12-14➖OSTLUND, Per Erik Valter resigneddirector
Showing most recent 50 of 282 events
Owner dependency
63/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -7 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 75 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
Red flags
2 med · 1 low2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: WHITE, Graham Fergus resigned 2025-11-20; WILSON, Ian Connell resigned 2025-11-20
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
12 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
🔒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 · PA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 185 PROPERTIES LTD→ SC862588 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 1981 LTD→ SC757666 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| 2 INSTALL PROPERTY LTD→ SC820009 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 25PROPERTY INN LTD→ SC871000 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACK COMMERCIAL LTD→ SC838391 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AG PROPERTIES (SCOTLAND) LTD→ SC870761 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AGR BROTHERS LTD→ SC775740 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AJ RENTALS (SCOTLAND) LTD.→ SC535025 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ALBASPEY LIMITED→ SC348220 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ALC PROPERTY HOLDINGS LIMITED→ SC803514 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ALLIANCE GROUP MANAGEMENT LTD→ SC561518 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ALLOWAY HOMES LTD→ SC607354 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Typeprivate-limited-guarant-nsc-limited-exemption
Incorporated2001-10-11
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
Craft Workshop 1
Craft Workshop 1
Isle Of Gigha
PA41 7AA
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-13
Last: 2025-09-29
Officers (8 active · 92 resigned)
MACINTYRE, Jane Helen→
Activesecretary · appointed 2024-06-17
View their other companies + combined net worth →
CHRISTIE, Fergus John Francis→
Activedirector · ~65y · appointed 2023-12-14
View their other companies + combined net worth →
CLEMENTS, Elizabeth Jane→
Activedirector · ~60y · appointed 2024-11-28
View their other companies + combined net worth →
LISTER, Timothy John→
Activedirector · ~73y · appointed 2023-12-14
View their other companies + combined net worth →
MURPHY, Adam→
Activedirector · ~48y · appointed 2024-11-28
View their other companies + combined net worth →
WATSON, Gordon Thomas→
Activedirector · ~75y · appointed 2026-01-12
View their other companies + combined net worth →
WILSON, Ian Connell→
Activedirector · ~66y · appointed 2025-11-20
View their other companies + combined net worth →
WILSON, Keith Talbot→
Activedirector · ~71y · appointed 2026-03-16
View their other companies + combined net worth →
ALLAN, Susan Mary→
Resignedsecretary · appointed 2008-09-11 · resigned 2008-11-20
BANNATYNE, Neil Bruce→
Resignedsecretary · appointed 2008-11-20 · resigned 2010-06-09
EARNSHAW, Fiona→
Resignedsecretary · appointed 2013-09-16 · resigned 2016-04-07
FERRIS, Michael Ian→
Resignedsecretary · appointed 2001-10-11 · resigned 2001-10-22
FRASER, Simon Andrew→
Resignedsecretary · appointed 2001-10-22 · resigned 2003-03-31
MACALISTER, Lorna Mary→
Resignedsecretary · appointed 2003-04-01 · resigned 2004-06-22
MCBREARTY, Helen Karina→
Resignedsecretary · appointed 2010-08-26 · resigned 2012-03-21
MCNEILL, Alasdair→
Resignedsecretary · appointed 2006-06-22 · resigned 2008-07-16
MCNEILL, Alasdair→
Resignedsecretary · appointed 2004-06-22 · resigned 2005-06-23
MCSPORRAN, Margaret Agnes→
Resignedsecretary · appointed 2012-10-10 · resigned 2013-09-11
MCSPORRAN, Margaret Agnes→
Resignedsecretary · appointed 2012-06-06 · resigned 2012-09-27
MCVEAN, John→
Resignedsecretary · appointed 2016-05-30 · resigned 2018-02-15
Click a director name to see their full track record across all companies.
Mortgages & charges
39
Total charges
12
Outstanding
4
Active lenders
Status:Lender:39 of 39 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Sis (Community Finance) Sis (Community Finance) Limited | A registered charge | 1 property | 03/07/2025 | — | |
| outstanding | The Scottish Ministers | A registered charge | 2 properties | 14/07/2023 | — | |
| outstanding | Social Growth Fund 2 Social Growth Fund 2 LLP | A registered charge | 1 property | 14/07/2023 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 02/12/2013 | 27/01/2021 | |
| satisfied | The Agricultural Mortgage Corporation The Agricultural Mortgage Corporation PLC | A registered charge | 1 property | 02/09/2013 | 27/01/2021 | |
| satisfied | The Agricultural Mortgage Corporation The Agricultural Mortgage Corporation PLC | A registered charge | 1 property | 02/09/2013 | 27/01/2021 | |
| satisfied | The Agricultural Mortgage Corporation The Agricultural Mortgage Corporation PLC | A registered charge | 1 property | 02/09/2013 | 27/01/2021 | |
| satisfied | Gigha Green Power Gigha Green Power Limited | A registered charge | 1 property | 08/04/2013 | 19/10/2023 | |
| satisfied | Co-operative Bank The Co-Operative Bank PLC | Shares pledge | 1 property | 04/04/2013 | 18/10/2018 | |
| satisfied | Triodos Bank Nv | Standard security | 1 property | 25/05/2011 | 22/01/2019 | |
| satisfied | Triodos Bank Nv | Standard security | 1 property | 12/02/2010 | 15/01/2024 | |
| satisfied | Dunfermline Building Society | Standard security | 1 property | 08/01/2009 | 15/01/2024 | |
| outstanding | The Scottish Ministers | Standard security | 1 property | 02/12/2008 | — | |
| outstanding | The Scottish Ministers | Standard security | 1 property | 02/12/2008 | — | |
| outstanding | The Scottish Ministers | Standard security | 1 property | 02/12/2008 | — | |
| satisfied | The Scottish Ministers | Standard security | 1 property | 02/12/2008 | 27/01/2021 | |
| outstanding | The Scottish Ministers | Standard security | 1 property | 02/12/2008 | — | |
| outstanding | The Scottish Ministers | Standard security | 1 property | 02/12/2008 | — | |
| satisfied | The Scottish Ministers | Standard security | 1 property | 02/12/2008 | 27/01/2021 | |
| satisfied | The Scottish Ministers | Standard security | 1 property | 02/12/2008 | 27/01/2021 | |
| satisfied | The Scottish Ministers | Standard security | 1 property | 02/12/2008 | 27/01/2021 | |
| satisfied | The Scottish Ministers | Standard security | 1 property | 02/12/2008 | 27/01/2021 | |
| outstanding | The Scottish Ministers | Standard security | 1 property | 02/12/2008 | — | |
| outstanding | The Scottish Ministers | Standard security | 1 property | 02/12/2008 | — | |
| outstanding | The Scottish Ministers | Standard security | 1 property | 02/12/2008 | — | |
| satisfied | Dunfermline Building Society | Standard security | 1 property | 25/01/2005 | 15/01/2024 | |
| satisfied | Dunfermline Building Society | Standard security | 1 property | 25/01/2005 | 15/01/2024 | |
| satisfied | Dunfermline Building Society | Standard security | 1 property | 25/01/2005 | 15/01/2024 | |
| satisfied | Dunfermline Building Society | Standard security | 1 property | 25/01/2005 | 15/01/2024 | |
| satisfied | Dunfermline Building Society | Standard security | 1 property | 25/01/2005 | 15/01/2024 | |
| satisfied | Dunfermline Building Society | Standard security | 1 property | 25/01/2005 | 06/02/2021 | |
| satisfied | Triodos Bank N.V. | Standard security | 1 property | 15/12/2004 | 15/01/2024 | |
| satisfied | Triodos Bank N.V. | Standard security | 1 property | 17/09/2004 | 06/02/2021 | |
| satisfied | New Opportunities Fund (Operating as the Big Lottery Fund) | Standard security | 1 property | 17/09/2004 | 06/02/2021 | |
| satisfied | Highlands and Islands Enterprise | Standard security | 1 property | 17/09/2004 | 06/02/2021 | |
| satisfied | Holt Leisure Parks Holt Leisure Parks Limited | Standard security | 1 property | 21/03/2002 | 07/08/2003 | |
| outstanding | New Opportunities Fund | Standard security | 1 property | 21/03/2002 | — | |
| satisfied | New Opportunities Fund | Standard security | 1 property | 21/03/2002 | 09/03/2004 | |
| satisfied | Highlands and Islands Enterprise | Standard security | 1 property | 21/03/2002 | 16/11/2024 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (326 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-03-19
appoint-person-director-company-with-name-date
officers · AP01
2026-01-14
appoint-person-director-company-with-name-date
officers · AP01
2025-12-01
accounts-with-accounts-type-group
accounts · AA
2025-11-27
termination-director-company-with-name-termination-date
officers · TM01
2025-11-25
termination-director-company-with-name-termination-date
officers · TM01
2025-11-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-03
change-person-secretary-company-with-change-date
officers · CH03
2025-07-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-04
termination-director-company-with-name-termination-date
officers · TM01
2025-04-01
accounts-with-accounts-type-group
accounts · AA
2024-12-12
appoint-person-director-company-with-name-date
officers · AP01
2024-11-28
appoint-person-director-company-with-name-date
officers · AP01
2024-11-28
termination-director-company-with-name-termination-date
officers · TM01
2024-11-28
termination-director-company-with-name-termination-date
officers · TM01
2024-11-28