ARMADALE ESTATE LTD

🌱Startupactive
SC868680 · ltd · incorporated 2025-11-03
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
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Turnover
not disclosed
Net worth
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: SIC 01500
Sector: Agriculture, forestry & fishing
ALSO REGISTERED FOR
  • 02100SIC 02100
  • 68209Other letting and operating of own or leased real estate
  • 91030Operation of historical sites and buildings and similar visitor attractions
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 75/100 (strong), bankability 70/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

3 live charges · oldest 0.1y

50/100
clean up first

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

  • · Newest facility, 0.1 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (56/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 4 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
6 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
4
filings
  • 2 mortgage
  • 1 incorporation
  • 1 resolution
Last 90 days
5
filings
  • 3 mortgage
  • 1 incorporation
  • 1 resolution
Last 180 days
6
filings
  • 3 mortgage
  • 2 incorporation
  • 1 resolution
Counts from Companies House filing history.
Corporate timeline (12 events)Click to expand
  1. 2026-04-09
    📄
    memorandum-articles
    incorporation · MA
  2. 2026-04-09
    📄
    resolution
    resolution · RESOLUTIONS
  3. 2026-03-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2026-03-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2026-03-20
    🔒
    Charge registered #2
    Lender: Mera Im Agent Limited
  6. 2026-03-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2026-03-12
    🔒
    Charge registered #3
    Lender: Mera Im Agent Limited
  8. 2026-03-12
    🔒
    Charge registered #1
    Lender: Mera Im Agent Limited
  9. 2025-11-03
    🏢
    Company incorporated
    As ARMADALE ESTATE LTD
  10. 2025-11-03
    HUTCHISON, Annelise appointed
    director
  11. 2025-11-03
    HUTCHISON, Michael appointed
    director
  12. 2025-11-03
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

79/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +Young company: Only 0.5 years old — management layer unlikely to be developed.

Succession & seller-readiness

16/100
No succession signal

No meaningful acquirability indicators from public data.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — HUTCHISON, Annelise (same surname) appointed 2025-11-03. Pattern consistent with intra-family handover.
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 med ·
3 new charges in last 12 months
medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2026-03-20: A registered charge; 2026-03-12: A registered charge; 2026-03-12: A registered charge

Group structure

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

🏛️
Amillemont Ltd
Corporate parent · holds 75-100% shares
ultimate parent
ARMADALE ESTATE LTD
This company · SC868680

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
Amillemont Ltd
Corporate entity
75100%
75–100%75-100% shares · 75-100% voting03/11/2025

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

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Available from the Pro tier upwards.

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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.

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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
Incorporated2025-11-03
Jurisdictionscotland
Primary SIC01500 — SIC 01500

Registered office

Armadale
Sleat
Isle Of Skye
IV45 9RS
United Kingdom

Filing status

Accounts
Next due: 2027-08-03
Last made up to:
Confirmation statement
Next due: 2026-11-16
Last:

Officers (2 active · 0 resigned)

HUTCHISON, Annelise
director · ~33y · appointed 2025-11-03
View their other companies + combined net worth →
Active
HUTCHISON, Michael
director · ~64y · appointed 2025-11-03
View their other companies + combined net worth →
Active

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

Mortgages & charges

3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Mera Im Agent
Mera Im Agent Limited
A registered charge1 property20/03/2026
outstanding
Mera Im Agent
Mera Im Agent Limited
A registered charge12/03/2026
outstanding
Mera Im Agent
Mera Im Agent Limited
A registered charge12/03/2026
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (6 total)

memorandum-articles
incorporation · MA
2026-04-09
resolution
resolution · RESOLUTIONS
2026-04-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-16
incorporation-company
incorporation · NEWINC
2025-11-03