CARGEN TOWER LIMITED
🌳Matureactive
SC252204 · ltd · incorporated 2003-07-03
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 22.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Renting and operating of Housing Association real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 82-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 82). 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
2 live charges · oldest 22.7y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 22.7 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: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
13 connected companies via shared directors
84
Filing history
59 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Average employees | 300 | 300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2026-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-05📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-06📍change-sail-address-company-with-new-addressaddress · AD02
- 2023-04-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-06-28📄capital-allotment-sharescapital · SH01
- 2016-12-22📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-01-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-07-03📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2006-05-29➖COLEMAN, Michael Peter Graham resigneddirector
- 2003-09-08🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2003-08-07🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2003-07-03🏢Company incorporatedAs CARGEN TOWER LIMITED
- 2003-07-03➕WALLACE, Ian appointedsecretary
- 2003-07-03➕ARTHUR, Alexander appointeddirector
- 2003-07-03➕HEWITSON, William James appointeddirector
- 2003-07-03➕WALLACE, Ian appointeddirector
- 2003-07-03➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2003-07-03➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 2003-07-03➕COLEMAN, Michael Peter Graham appointeddirector
Owner dependency
75/100
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 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 82 — succession pressure is live.
Succession & seller-readiness
90/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 82 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alexander Arthur Individual · British · DOB 01/1944 · age 82 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr William James Hewitson Individual · Scottish · DOB 08/1958 · age 68 | 25–50% | 25–50% | 25-50% shares · 25-50% 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 →Similar companies
Active · Property · DG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CASTLE MILK NOMINEES LIMITED→ SC212861 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| CATHERINEFIELD PROPERTIES LTD→ SC388898 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| CLUDEN PROPERTIES LTD→ SC663722 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CRAIGIEBROOK LTD→ SC666112 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| DUMFRIES AND GALLOWAY HOMES LIMITED→ SC304439 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| DUMFRIES RENTALS LIMITED→ SC710719 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| EWM INVESTCO LIMITED→ SC465467 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| FLEET VALLEY PROPERTIES LTD→ SC695657 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| FLEETBANK HOUSE LTD→ 13867352 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| FORESTWAY INVESTMENTS LIMITED→ SC371183 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| GGIA LIMITED→ SC560575 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| GILNOCKIE BUSINESS PARK LIMITED→ SC555606 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2003-07-03
Jurisdictionscotland
Primary SIC68201 — Renting and operating of Housing Association real estate
Registered office
The Hollies
Peatford Road
Lockerbie
DG11 1BJ
Filing status
Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-07-17
Last: 2025-07-03
Officers (4 active · 2 resigned)
Active
ARTHUR, Alexander→
Activedirector · ~82y · appointed 2003-07-03
View their other companies + combined net worth →
HEWITSON, William James→
Activedirector · ~68y · appointed 2003-07-03
View their other companies + combined net worth →
WALLACE, Ian→
Activedirector · ~71y · appointed 2003-07-03
View their other companies + combined net worth →
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 2003-07-03 · resigned 2003-07-03
COLEMAN, Michael Peter Graham→
Resigneddirector · ~72y · appointed 2003-07-03 · resigned 2006-05-29
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 08/09/2003 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 07/08/2003 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (59 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-07
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-05
change-person-director-company-with-change-date
officers · CH01
2024-07-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-18
change-sail-address-company-with-new-address
address · AD02
2023-07-06
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-28