HEBCO HOMES LTD
🌿Early-stageactive
SC715677 · ltd · incorporated 2021-11-22
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
£4.7k
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 72/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
4 live charges · oldest 1.8y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.8 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (73/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
14 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
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £4,706
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
£5k
Current Assets
£550
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 |
|---|---|
| Total assets | £53.3k |
| Current assets | £550 |
| Net assets | £4.7k |
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
2
filings
- • 2 mortgage
Last 90 days
2
filings
- • 2 mortgage
Last 180 days
3
filings
- • 2 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
- 2026-04-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-14🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2026-04-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-09🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2025-09-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-23📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2024-07-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-10🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2024-07-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-28🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2023-12-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-12-16📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-12-22📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-11-22🏢Company incorporatedAs HEBCO HOMES LTD
- 2021-11-22➕MACDONALD, Iain appointeddirector
- 2021-11-22➕MACDONALD, Robert Neil appointeddirector
- 2021-11-22📄incorporation-companyincorporation · NEWINC
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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 Iain Macdonald Individual · Scottish · DOB 03/1976 · age 50 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 22/11/2021 |
Mr Robert Neil Macdonald Individual · British · DOB 11/2000 · age 26 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 22/11/2021 |
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 · HS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 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 |
| 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 | — | — |
| CEARNS PROPERTY LIMITED→ SC578780 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CMD PROPERTY HOLDINGS LIMITED→ SC799987 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2021-11-22
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
C/O Mann Judd Gordon Ltd
26 Lewis Street
Stornoway
Isle Of Lewis
HS1 2JF
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-01
Last: 2025-11-17
Officers (2 active · 0 resigned)
MACDONALD, Iain→
Activedirector · ~50y · appointed 2021-11-22
View their other companies + combined net worth →
MACDONALD, Robert Neil→
Activedirector · ~26y · appointed 2021-11-22
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
4
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 14/04/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 09/04/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 8 properties | 10/07/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | — | 28/06/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (14 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-17
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-23
change-account-reference-date-company-current-extended
accounts · AA01
2024-12-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-12-16
accounts-with-accounts-type-dormant
accounts · AA
2023-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-16
accounts-with-accounts-type-dormant
accounts · AA
2022-12-22
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-22
incorporation-company
incorporation · NEWINC
2021-11-22