HART ESTATES (CITY) LIMITED

🌳Matureactive
SC285894 · ltd · incorporated 2005-06-08
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 20.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Development of building projects
Sector: Construction
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (60/100, director aged 59). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 20.5y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 20.5 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (60/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
13 officers (4 active, 13 linked, 7 with DOB)
81
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
19 connected companies via shared directors
90
Filing history
94 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.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
  1. 2026-01-06
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2025-01-07
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  3. 2024-10-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  4. 2024-09-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2023-11-27
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  6. 2023-06-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2023-06-15
    🔓
    Charge satisfied #2
  8. 2022-10-17
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  9. 2022-02-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  10. 2021-12-20
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  11. 2021-11-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2021-11-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2020-12-29
    📄
    accounts-with-accounts-type-full
    accounts · AA
  14. 2020-03-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2019-09-26
    📄
    accounts-with-accounts-type-full
    accounts · AA
  16. 2019-04-12
    ➕
    HAGGERTY, Euan James Edward appointed
    director
  17. 2019-04-12
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2019-02-18
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  19. 2019-02-18
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  20. 2019-02-13
    ➕
    DIMOND, Paula appointed
    secretary
  21. 2019-02-13
    ➖
    MURRAY, William Stuart resigned
    secretary
  22. 2018-08-24
    📄
    accounts-with-accounts-type-full
    accounts · AA
  23. 2014-04-01
    ➖
    FAIRCLOUGH, Stuart Thomas resigned
    secretary
  24. 2014-04-01
    ➕
    MURRAY, William Stuart appointed
    secretary
  25. 2012-05-02
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  26. 2012-01-06
    🔓
    Charge satisfied #1
  27. 2011-12-16
    ➖
    HEWITT, Alistair James Neil resigned
    director
  28. 2011-05-25
    ➖
    HEPBURN, Alastair John Harley resigned
    director
  29. 2011-05-25
    ➕
    HEWITT, Alistair James Neil appointed
    director
  30. 2007-11-23
    ➖
    GATELEY, Donald Kenneth resigned
    director
  31. 2007-11-23
    ➕
    HEPBURN, Alastair John Harley appointed
    director
  32. 2005-11-30
    ➖
    MCNAUGHTON, Ross Hugh resigned
    director
  33. 2005-10-24
    ➕
    FAIRCLOUGH, Stuart Thomas appointed
    secretary
  34. 2005-10-24
    ➖
    MACLAY MURRAY & SPENS LLP resigned
    corporate-nominee-secretary
  35. 2005-10-24
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  36. 2005-10-21
    ➕
    REID, Kevin David appointed
    director
  37. 2005-10-21
    ➕
    SIMPSON, Steven George appointed
    director
  38. 2005-10-21
    ➕
    GATELEY, Donald Kenneth appointed
    director
  39. 2005-10-21
    ➕
    MCNAUGHTON, Ross Hugh appointed
    director
  40. 2005-10-21
    ➖
    VINDEX LIMITED resigned
    corporate-nominee-director
  41. 2005-10-21
    ➖
    VINDEX SERVICES LIMITED resigned
    corporate-nominee-director
  42. 2005-06-08
    🏢
    Company incorporated
    As HART ESTATES (CITY) LIMITED
  43. 2005-06-08
    ➕
    MACLAY MURRAY & SPENS LLP appointed
    corporate-nominee-secretary
  44. 2005-06-08
    ➕
    VINDEX LIMITED appointed
    corporate-nominee-director
  45. 2005-06-08
    ➕
    VINDEX SERVICES LIMITED appointed
    corporate-nominee-director

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 21 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 signal

Multiple 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 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 21 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Cruden Homes Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Cruden Homes Ltd
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
HART ESTATES (CITY) LIMITED
This company · SC285894

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%
NameSharesVoting rightsNature of controlNotified
Cruden Homes Ltd
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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 →

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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
Incorporated2005-06-08
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: 2026-06-22
Last: 2025-06-08

Officers (4 active · 9 resigned)

DIMOND, Paula→
secretary · appointed 2019-02-13
View their other companies + combined net worth →
Active
HAGGERTY, Euan James Edward→
director · ~49y · appointed 2019-04-12
View their other companies + combined net worth →
Active
REID, Kevin David→
director · ~59y · appointed 2005-10-21
View their other companies + combined net worth →
Active
SIMPSON, Steven George→
director · ~59y · appointed 2005-10-21
View their other companies + combined net worth →
Active
FAIRCLOUGH, Stuart Thomas→
secretary · appointed 2005-10-24 · resigned 2014-04-01
Resigned
MURRAY, William Stuart→
secretary · appointed 2014-04-01 · resigned 2019-02-13
Resigned
MACLAY MURRAY & SPENS LLP→
corporate-nominee-secretary · appointed 2005-06-08 · resigned 2005-10-24
Resigned
GATELEY, Donald Kenneth→
director · ~61y · appointed 2005-10-21 · resigned 2007-11-23
Resigned
HEPBURN, Alastair John Harley→
director · ~57y · appointed 2007-11-23 · resigned 2011-05-25
Resigned
HEWITT, Alistair James Neil→
director · ~54y · appointed 2011-05-25 · resigned 2011-12-16
Resigned
MCNAUGHTON, Ross Hugh→
director · ~55y · appointed 2005-10-21 · resigned 2005-11-30
Resigned
VINDEX LIMITED→
corporate-nominee-director · appointed 2005-06-08 · resigned 2005-10-21
Resigned
VINDEX SERVICES LIMITED→
corporate-nominee-director · appointed 2005-06-08 · resigned 2005-10-21
Resigned

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Floating charge1 property02/05/201215/06/2023
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property24/10/200506/01/2012

Recent filings (94 total)

accounts-with-accounts-type-dormant
accounts · AA
2026-01-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-20
accounts-with-accounts-type-dormant
accounts · AA
2025-01-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-10-01
change-person-director-company-with-change-date
officers · CH01
2024-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-18
accounts-with-accounts-type-dormant
accounts · AA
2023-11-27
mortgage-satisfy-charge-full
mortgage · MR04
2023-06-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-08
accounts-with-accounts-type-dormant
accounts · AA
2022-10-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2022-02-02
accounts-with-accounts-type-dormant
accounts · AA
2021-12-20
change-person-director-company-with-change-date
officers · CH01
2021-11-29
change-person-director-company-with-change-date
officers · CH01
2021-11-29