SCOTIA (DALFABER) LIMITED

🌳Matureactive

SC480715 · ltd · incorporated 2014-06-24

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 3.8y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Buying and selling of own real estate

Sector: Real estate

Investor take

Pursue

Property-backed borrower with a 84-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 80/100. Strong seller-intent signal (63/100, director aged 84). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 3.8y

55/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Charge age ~3.8 years — mid-life; refi window approaching.
· Single lender — cleanest path to refinance.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (61/100)

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

15 officers (5 active, 15 linked, 12 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

24 connected companies via shared directors

Filing history

62 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

• 1 accounts
• 1 officers

Last 90 days

filings

• 1 accounts
• 1 officers

Last 180 days

filings

• 2 officers
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (49 events)Click to expand

2026-04-02
📄
accounts-with-accounts-type-small
accounts · AA
2026-03-26
➕
MORRICE, Craig Sutherland appointed
director
2026-03-26
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-01-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-01-09
➖
BEATON, Carol Anne resigned
director
2025-08-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-07-31
➖
REID, Graham resigned
director
2025-04-04
📄
accounts-with-accounts-type-small
accounts · AA
2024-04-04
📄
accounts-with-accounts-type-small
accounts · AA
2024-03-01
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-02-29
➖
HMS SECRETARIES LIMITED resigned
corporate-secretary
2023-10-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-09-18
➖
BOYLE, Patrick Joseph resigned
director
2023-02-06
📄
accounts-with-accounts-type-small
accounts · AA
2023-01-04
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-12-31
➖
BRUCE, William Martin resigned
director
2022-12-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-11-30
➖
LONIE, Andrew John resigned
director
2022-08-02
✏️
certificate-change-of-name-company
change-of-name · CERTNM
2022-07-28
📄
change-person-director-company-with-change-date
officers · CH01
2022-07-04
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2022-07-01
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-07-01
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-07-01
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-07-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-07-01
📄
appoint-corporate-secretary-company-with-name-date
officers · AP04
2022-07-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-07-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-06-29
🔒
Charge registered #2
Lender: Bank of Scotland PLC
2022-06-23
➕
BEGBIE, Richard Gerard appointed
director
2022-06-23
➕
GERRARD, Gary James appointed
director
2022-06-23
➕
LINTON, Bruce Reid appointed
director
2022-06-23
➕
HMS SECRETARIES LIMITED appointed
corporate-secretary
2022-06-23
➕
BEATON, Carol Anne appointed
director
2022-06-23
➕
BOYLE, Patrick Joseph appointed
director
2022-06-23
➕
BRUCE, William Martin appointed
director
2022-06-23
➕
LONIE, Andrew John appointed
director
2022-06-23
➖
MUNRO, Gordon Allan Mackintosh resigned
director
2022-06-23
➕
REID, Graham appointed
director
2022-06-23
🔒
Charge registered #1
Lender: Bank of Scotland PLC
2014-07-07
➕
CAMERON, David John appointed
director
2014-07-07
➖
HMS SECRETARIES LIMITED resigned
corporate-secretary
2014-07-07
➖
MUNRO, Donald John resigned
director
2014-07-07
➕
MUNRO, Gordon Allan Mackintosh appointed
director
2014-07-07
➖
HMS DIRECTORS LIMITED resigned
corporate-director
2014-06-24
🏢
Company incorporated
As SCOTIA (DALFABER) LIMITED
2014-06-24
➕
HMS SECRETARIES LIMITED appointed
corporate-secretary
2014-06-24
➕
MUNRO, Donald John appointed
director
2014-06-24
➕
HMS DIRECTORS LIMITED appointed
corporate-director

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 84 — succession pressure is live.

Succession & seller-readiness

65/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 84 years old. Natural succession window is now.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

2 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: BEATON, Carol Anne resigned 2026-01-09; REID, Graham resigned 2025-07-31

Group structure

Scotia Homes (Holdings) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Scotia Homes (Holdings) Limited

Corporate parent · board control

⬇

SCOTIA (DALFABER) LIMITED

This company · SC480715

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%

Name	Shares	Voting rights	Nature of control	Notified
Scotia Homes (Holdings) Limited Corporate entity	—	75–100%	board control75-100% voting · board control	23/06/2022

2 historic (ceased) PSCs

Mr David John Cameronceased 23/06/2022· 25-50% shares
Mr Gordon Allan Murnoceased 23/06/2022· 25-50% shares

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

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.

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Company details

Statusactive

Typeltd

Incorporated2014-06-24

Jurisdictionscotland

Primary SIC68100 — Buying and selling of own real estate

Registered office

The Ca'D'Oro, 45

Gordon Street

Glasgow

G1 3PE

Scotland

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2026-07-08

Last: 2025-06-24