SCALPAY COMMUNITY DEVELOPMENT

🌳Matureactive

SC385495 · private-limited-guarant-nsc-limited-exemption · incorporated 2010-09-16

Investment thesis

Unencumbered property vehicle — clean asset-backed target with refinance headroom.

Why interesting: Property-holding entity with no live charges; straightforward asset-backed case.

Why risky: Values depend on title and valuation; property-specific market exposure.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Sept 2024

Net worth

£-23.7k

book net assets

Opportunity

81/100

Exceptional

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Other letting and operating of own or leased real estate

Sector: Real estate

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 90). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

Data confidence

Overall: medium (72/100)

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

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

12 officers (5 active, 12 linked, 11 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

4 connected companies via shared directors

Filing history

57 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

81/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Negative net assets

Liabilities exceed assets by £23,713

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

-£24k

↑ 4.8% YoY

Current Assets

£12k

↑ 5.2% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2024-09-30	2023-09-30
Total assets	£43.2k	£47.5k
Current assets	£11.8k	£11.2k
Net assets	£-23.7k	£-24.9k

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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (35 events)Click to expand

2025-09-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-06-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-02-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2020-02-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-12-13
➕
FINNEGAN, Paul appointed
director
2019-12-13
➕
MACLEOD, Alistair appointed
director
2019-06-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-06-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-09-29
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2017-09-13
➖
FINNEGAN, Paul resigned
director
2017-09-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2017-08-30
📄
termination-director-company-with-name-termination-date
officers · TM01
2017-08-16
➖
MACSWEEN, Murdo resigned
director
2016-12-17
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2016-12-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2016-10-01
➕
MACKINNON, Ewen appointed
director
2016-10-01
➕
FINNEGAN, Paul appointed
director
2013-09-30
➖
DICKSON, Peter Wesley resigned
director
2013-08-31
➖
MORRISON, Kenneth Maclean resigned
director
2012-05-19
➖
ALLEN, Karen resigned
director
2012-03-08
➕
MORRISON, Kenneth Maclean appointed
director
2010-09-21
➕
MACLEOD, Morag appointed
secretary
2010-09-21
➕
MACLEOD, Morag appointed
director
2010-09-21
➕
ALLEN, Karen appointed
director
2010-09-21
➕
DICKSON, Peter Wesley appointed
director
2010-09-21
➖
FERRIS, Michael Ian resigned
director
2010-09-21
➖
MACDONALD, Stewart Macaulay resigned
director
2010-09-21
➕
MACSWEEN, Murdo appointed
director
2010-09-16
🏢
Company incorporated
As SCALPAY COMMUNITY DEVELOPMENT
2010-09-16
➕
FERRIS, Michael Ian appointed
director
2010-09-16
➕
MACDONALD, Stewart Macaulay appointed
director

Owner dependency

73/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 90 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

83/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 90 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 16 years.
secondaryStable-but-static management: Company is 16 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.)

🔒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 · HS postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
MACKAY PROPERTIES LIMITED→ SC138867 · est 1992	£8.51M £7.23M–£9.78M	—	£8.51M	—	33y	79	77y
THE WEST HARRIS TRUST→ SC347176 · est 2008	£2.25M £1.91M–£2.58M	—	£2.25M	—	17y	83	78y
URRAS NAN GEARRANNAN→ SC125734 · est 1990	£1.37M £1.16M–£1.57M	—	£1.37M	—	35y	81	76y
KEN MACDONALD & CO LIMITED→ SC434629 · est 2012	£935.9k £795.5k–£1.08M	—	£935.9k	—	13y	78	83y
ANDERSON MACARTHUR LIMITED→ SC410939 · est 2011	£240.7k £204.6k–£276.8k	—	£240.7k	—	14y	79	64y
CIB DEVELOPMENTS LIMITED→ SC270493 · est 2004	£133.8k £113.7k–£153.9k	—	£133.8k	—	21y	82	70y
HARRIS GARAGE COMPANY (TARBERT) LIMITED→ SC058995 · est 1975	£25.5k £21.6k–£29.3k	—	£25.5k	—	50y	83	91y
LONG ISLAND RURAL TRUST→ SC286396 · est 2005	£7.6k £6.4k–£8.7k	—	£7.6k	—	20y	81	82y
BARVAS ESTATE, LIMITED→ SC013242 · est 1924	—	—	—	3	101y	83	65y
JO JO HOLDINGS LTD→ SC209127 · est 2000 · no financials extracted	—	—	—	—	25y	80	67y
BROADBAY HOMES LIMITED→ SC562426 · est 2017 · no financials extracted	—	—	—	—	9y	—	—
CARLOWAY ESTATE TRUST (URRAS OIGHREACHD CHARLABHAIGH)→ SC472722 · est 2014 · no financials extracted	—	—	—	—	12y	—	—

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

Typeprivate-limited-guarant-nsc-limited-exemption

Incorporated2010-09-16

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Scalpay Community Shop

North Harbour

Isle Of Scalpay

Outer Hebrides

HS4 3XU

Filing status

Accounts

Next due: 2026-06-30

Last made up to: 2024-09-30

Confirmation statement

Next due: 2026-09-30

Last: 2025-09-16

Officers (5 active · 7 resigned)

MACLEOD, Morag→

secretary · appointed 2010-09-21

View their other companies + combined net worth →

Active

FINNEGAN, Paul→

director · ~63y · appointed 2019-12-13

View their other companies + combined net worth →

Active

MACKINNON, Ewen→

director · ~79y · appointed 2016-10-01

View their other companies + combined net worth →

Active

MACLEOD, Alistair→

director · ~75y · appointed 2019-12-13

View their other companies + combined net worth →

Active

MACLEOD, Morag→

director · ~90y · appointed 2010-09-21

View their other companies + combined net worth →

Active

ALLEN, Karen→

director · ~54y · appointed 2010-09-21 · resigned 2012-05-19

Resigned

DICKSON, Peter Wesley→

director · ~66y · appointed 2010-09-21 · resigned 2013-09-30

Resigned

FERRIS, Michael Ian→

director · ~80y · appointed 2010-09-16 · resigned 2010-09-21

Resigned

FINNEGAN, Paul→

director · ~63y · appointed 2016-10-01 · resigned 2017-09-13

Resigned

MACDONALD, Stewart Macaulay→

director · ~77y · appointed 2010-09-16 · resigned 2010-09-21

Resigned

MACSWEEN, Murdo→

director · ~57y · appointed 2010-09-21 · resigned 2017-08-16

Resigned

MORRISON, Kenneth Maclean→

director · ~52y · appointed 2012-03-08 · resigned 2013-08-31

Resigned

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

Recent filings (57 total)

accounts-with-accounts-type-micro-entity

accounts · AA

2025-09-30

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-09-30

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-09-27

accounts-with-accounts-type-micro-entity

accounts · AA

2024-06-27

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-09-27

accounts-with-accounts-type-micro-entity

accounts · AA

2023-06-27

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-09-29

accounts-with-accounts-type-micro-entity

accounts · AA

2022-08-30

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-09-25

accounts-with-accounts-type-micro-entity

accounts · AA

2021-06-28

confirmation-statement-with-no-updates

confirmation-statement · CS01

2020-09-25

accounts-with-accounts-type-micro-entity

accounts · AA

2020-06-29

appoint-person-director-company-with-name-date

officers · AP01

2020-02-06

appoint-person-director-company-with-name-date

officers · AP01

2020-02-06

confirmation-statement-with-no-updates

confirmation-statement · CS01

2019-09-20