OSBORNE TERRACE LIMITED
🌳Matureactive
SC308223 · ltd · incorporated 2006-09-07
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
—
year to Mar 2025
Net worth
£400.5k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Special-situation opportunityDistressed property with salvageable qualities — special-situations priority.
Opportunity 74/100 (strong), bankability 77/100. Strong seller-intent signal (93/100, director aged 71). Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
5 live charges · 3 lenders · oldest 19.3y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 19.3 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (82/100)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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
9 officers (3 active, 9 linked, 6 with DOB)
83
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
97 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £400,509
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£401k
~ YoY
Current Assets
£550k
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £400.5k | £400.5k |
| Current assets | £549.7k | £549.7k |
| Net assets | £400.5k | £400.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (44 events)Click to expand
- 2025-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-30📄accounts-with-accounts-type-smallaccounts · AA
- 2018-11-30📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2018-11-30📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2018-11-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-11-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-11-17➖LAWRIE, Douglas Gibb resigneddirector
- 2018-11-16➕HARDING, Jennifer Ann appointeddirector
- 2018-11-16📄memorandum-articlesincorporation · MA
- 2018-11-16📄resolutionresolution · RESOLUTIONS
- 2018-11-13📄accounts-with-accounts-type-smallaccounts · AA
- 2018-10-03📄legacycapital · SH20
- 2018-10-03📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2018-10-03⚠️legacyinsolvency · CAP-SS
- 2018-10-03📄resolutionresolution · RESOLUTIONS
- 2017-12-06🔓Charge satisfied #5
- 2017-03-07🔓Charge satisfied #4
- 2016-04-11🔒Charge registered #5Lender: Osf (UK) I Limited
- 2016-04-11🔓Charge satisfied #3
- 2016-04-11🔓Charge satisfied #1
- 2016-04-11🔓Charge satisfied #2
- 2016-04-07🔒Charge registered #4Lender: Osf (UK) I Limited
- 2011-09-27🔒Charge registered #3Lender: Clydesdale Bank PLC
- 2011-02-01➖PETERKINS, SOLICITORS resignedcorporate-nominee-secretary
- 2010-11-26➕HARDING, Ian appointedsecretary
- 2010-07-13➖LITTLE (JUNIOR), James Ekron resigneddirector
- 2010-07-13➖LITTLE (SENIOR), James Ekron resigneddirector
- 2010-07-13➖RAE, Ian Bell resigneddirector
- 2009-05-15➕LAWRIE, Douglas Gibb appointeddirector
- 2006-12-22🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 2006-12-20➕HARDING, Ian appointeddirector
- 2006-12-20➕LITTLE (JUNIOR), James Ekron appointeddirector
- 2006-12-20➕LITTLE (SENIOR), James Ekron appointeddirector
- 2006-12-20➕RAE, Ian Bell appointeddirector
- 2006-12-20➖PETERKINS SERVICES LIMITED resignedcorporate-nominee-director
- 2006-12-20🔒Charge registered #2Lender: Clydesdale Bank Public Limited Company
- 2006-09-07🏢Company incorporatedAs OSBORNE TERRACE LIMITED
- 2006-09-07➕PETERKINS, SOLICITORS appointedcorporate-nominee-secretary
- 2006-09-07➕PETERKINS SERVICES LIMITED appointedcorporate-nominee-director
Owner dependency
91/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 71 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
89/100
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 71 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 19 years.
- secondaryStable-but-static management: Company is 20 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 high · 1 med ·1 insolvency-related filing on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2018-10-03: legacy
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
Bts Pitkerro Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Bts Pitkerro Ltd
Corporate parent · holds 75-100% shares · board control
⬇
OSBORNE TERRACE LIMITED
This company · SC308223
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Bts Pitkerro Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 05/11/2018 |
Mr Ian Harding Individual · British · DOB 01/1955 · age 71 | — | — | sig. influencesignificant influence | 06/04/2016 |
1 historic (ceased) PSC
- Mrs Jennifer Ann Hardingceased 05/11/2018· significant influence
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 · DD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BROOMWELL LIMITED→ SC044342 · est 1967 · no financials extracted | — | — | — | — | 59y | — | — |
| BROXBURN PROPERTIES LAKES LTD→ SC632686 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BUSTER BARS LTD→ SC785998 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BW MEADOWBANK LTD→ SC689338 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CALEDONIAN GREENER HOMES CONSULTANCY LTD→ SC655522 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| CAMOCEAN LIMITED→ SC413441 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CARGILL'S PROPERTY INVESTMENTS LTD→ SC781710 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CEDARLEA PROPERTIES LTD.→ SC251172 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| CEILING DECOR LIMITED→ SC100073 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| CELTIC PROPERTY GUILD LTD→ SC781185 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CENTURY 21 (HOMES) LIMITED→ SC055638 · est 1974 · no financials extracted | — | — | — | — | 51y | — | — |
| CEOL NA MARA INVESTMENTS LIMITED→ SC252979 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
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
Typeltd
Incorporated2006-09-07
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Fowler Rd
West Pitkerro Industrial Estate
Dundee
DD5 3YN
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-21
Last: 2025-09-07
Officers (3 active · 6 resigned)
Active
HARDING, Ian→
Activedirector · ~71y · appointed 2006-12-20
View their other companies + combined net worth →
HARDING, Jennifer Ann→
Activedirector · ~70y · appointed 2018-11-16
View their other companies + combined net worth →
PETERKINS, SOLICITORS→
Resignedcorporate-nominee-secretary · appointed 2006-09-07 · resigned 2011-02-01
LAWRIE, Douglas Gibb→
Resigneddirector · ~60y · appointed 2009-05-15 · resigned 2018-11-17
LITTLE (JUNIOR), James Ekron→
Resigneddirector · ~48y · appointed 2006-12-20 · resigned 2010-07-13
LITTLE (SENIOR), James Ekron→
Resigneddirector · ~77y · appointed 2006-12-20 · resigned 2010-07-13
RAE, Ian Bell→
Resigneddirector · ~79y · appointed 2006-12-20 · resigned 2010-07-13
PETERKINS SERVICES LIMITED→
Resignedcorporate-nominee-director · appointed 2006-09-07 · resigned 2006-12-20
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Osf (UK) I Osf (UK) I Limited | A registered charge | 1 property | 11/04/2016 | 06/12/2017 | |
| satisfied | Osf (UK) I Osf (UK) I Limited | A registered charge | — | 07/04/2016 | 07/03/2017 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 27/09/2011 | 11/04/2016 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 22/12/2006 | 11/04/2016 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 20/12/2006 | 11/04/2016 |
Recent filings (97 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-30
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-07
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-21
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-07
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-20
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-22
accounts-with-accounts-type-small
accounts · AA
2019-12-30
confirmation-statement-with-updates
confirmation-statement · CS01
2019-09-13
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2018-11-30