A & G PROPERTIES SCOTLAND LIMITED

💤Zombieactive
08405134 · ltd · incorporated 2013-02-15
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
69/100
Strong
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Property-backed borrower. Reasonable fundamentals — worth a memo before deciding.

Opportunity 69/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

86 live charges · 4 lenders · oldest 11.6y

15/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 11.6 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (79/100)

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
75
Lenders & charges
86 charges (86/86 with lender, 86/86 with type)
90
Directors & officers
6 officers (1 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
156 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
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
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Average employees2200

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 signals 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
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 (137 events)Click to expand
  1. 2026-03-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-05-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2024-05-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-05-24
    🔓
    Charge satisfied #85
  6. 2024-05-24
    🔓
    Charge satisfied #37
  7. 2024-01-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-08-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2023-08-31
    🔓
    Charge satisfied #44
  10. 2023-08-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2023-08-21
    🔓
    Charge satisfied #36
  12. 2022-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2022-11-12
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2022-11-12
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  15. 2022-11-12
    🔓
    Charge satisfied #48
  16. 2022-11-12
    🔓
    Charge satisfied #30
  17. 2022-06-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2022-05-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  19. 2022-05-26
    🔓
    Charge satisfied #33
  20. 2022-01-28
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  21. 2022-01-28
    🔓
    Charge satisfied #13
  22. 2021-03-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2020-12-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2020-12-02
    🔒
    Charge registered #86
    Lender: Gillian Marisa Bayford
  25. 2020-10-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  26. 2020-02-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  27. 2020-02-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  28. 2020-02-03
    🔓
    Charge satisfied #28
  29. 2020-02-03
    🔓
    Charge satisfied #27
  30. 2020-02-03
    🔓
    Charge satisfied #26
  31. 2020-02-03
    🔓
    Charge satisfied #6
  32. 2019-08-28
    🔓
    Charge satisfied #53
  33. 2019-08-28
    🔓
    Charge satisfied #8
  34. 2019-04-08
    🔒
    Charge registered #85
    Lender: Svenska Handelsbanken Ab (Publ)
  35. 2019-03-26
    ➖
    CAMERON, Julie Anne resigned
    secretary
  36. 2019-03-07
    🔒
    Charge registered #84
    Lender: Svenska Handelsbanken Ab (Publ)
  37. 2019-03-07
    🔒
    Charge registered #83
    Lender: Svenska Handelsbanken Ab (Publ)
  38. 2019-03-07
    🔒
    Charge registered #82
    Lender: Svenska Handelsbanken Ab (Publ)
  39. 2019-03-07
    🔒
    Charge registered #81
    Lender: Svenska Handelsbanken Ab (Publ)
  40. 2019-03-07
    🔒
    Charge registered #80
    Lender: Svenska Handelsbanken Ab (Publ)
  41. 2019-03-07
    🔒
    Charge registered #79
    Lender: Svenska Handelsbanken Ab (Publ)
  42. 2019-03-07
    🔒
    Charge registered #78
    Lender: Svenska Handelsbanken Ab (Publ)
  43. 2019-03-07
    🔒
    Charge registered #77
    Lender: Svenska Handelsbanken Ab (Publ)
  44. 2019-03-07
    🔒
    Charge registered #76
    Lender: Svenska Handelsbanken Ab (Publ)
  45. 2019-03-07
    🔒
    Charge registered #75
    Lender: Svenska Handelsbanken Ab (Publ)
  46. 2019-03-07
    🔒
    Charge registered #74
    Lender: Svenska Handelsbanken Ab (Publ)
  47. 2019-03-07
    🔒
    Charge registered #73
    Lender: Svenska Handelsbanken Ab (Publ)
  48. 2019-03-07
    🔒
    Charge registered #72
    Lender: Svenska Handelsbanken Ab (Publ)
  49. 2019-03-07
    🔒
    Charge registered #71
    Lender: Svenska Handelsbanken Ab (Publ)
  50. 2019-03-01
    🔒
    Charge registered #70
    Lender: Svenska Handelsbanken Ab (Publ)
Showing most recent 50 of 137 events

Owner dependency

75/100
High — earn-out structure required

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

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

58/100
Strong succession signal

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

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 12 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med · 1 low
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

65 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Gillian Bayford-Deans
Individual · Scottish · DOB 06/1972 · age 54
75–100%
75–100%75-100% shares · 75-100% voting06/04/2016

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

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
Incorporated2013-02-15
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

71 Queen Victoria Street
London
EC4V 4BE
England

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-03-01
Last: 2026-02-15

Officers (1 active · 5 resigned)

BAYFORD-DEANS, Gillian Marisa→
director · ~54y · appointed 2014-04-14
View their other companies + combined net worth →
Active
BAYFORD, Gillian Marisa→
secretary · appointed 2013-02-15 · resigned 2014-04-14
Resigned
CAMERON, Julie Anne→
secretary · appointed 2018-04-25 · resigned 2019-03-26
Resigned
CARTER, Beverley→
secretary · appointed 2014-04-14 · resigned 2018-04-25
Resigned
BAYFORD, Adrian Richard→
director · ~56y · appointed 2013-02-15 · resigned 2014-04-14
Resigned
WARNOCK, Alan Ian→
director · ~55y · appointed 2014-08-01 · resigned 2015-11-09
Resigned

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

Mortgages & charges

86
Total charges
65
Outstanding
3
Active lenders
Status:Lender:86 of 86 shown
TypeProperties
outstanding
Gillian Marisa Bayford
A registered charge1 property02/12/2020—
satisfied
Svenska Handelsbanken Ab (Publ)
A registered charge1 property08/04/201924/05/2024
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property07/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property01/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property01/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property01/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property01/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property01/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property01/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property01/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property01/03/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property22/02/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property22/02/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property22/02/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property22/02/2019—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge1 property12/10/2018—
outstanding
Svenska Handelsbanken Ab (Publ)
A registered charge—12/10/2018—
outstanding
Gillian Marisa Bayford
A registered charge2 properties13/09/2018—
outstanding
Gillian Marisa Bayford
A registered charge1 property13/09/2018—
outstanding
Gillian Marisa Bayford
A registered charge1 property10/07/2018—
satisfied
Gillian Marisa Bayford
A registered charge1 property30/03/201828/08/2019
satisfied
Gillian Marisa Bayford
A registered charge1 property05/09/201715/06/2018
outstanding
Gillian Marisa Bayford
A registered charge1 property08/08/2017—
satisfied
Gillian Marisa Bayford
A registered charge1 property20/06/201712/11/2022
outstanding
Gillian Marisa Bayford
A registered charge1 property20/06/2017—
outstanding
Gillian Marisa Bayford
A registered charge1 property20/06/2017—
outstanding
Gillian Marisa Bayford
A registered charge1 property20/06/2017—
satisfied
Gillian Marisa Bayford
A registered charge1 property20/06/201731/08/2023
outstanding
Gillian Marisa Bayford
A registered charge1 property20/06/2017—
outstanding
Gillian Marisa Bayford
A registered charge1 property20/06/2017—
outstanding
Gillian Marisa Bayford
A registered charge1 property20/06/2017—
outstanding
Gillian Marisa Bayford
A registered charge12 properties19/06/2017—
outstanding
Gillian Marisa Bayford
A registered charge12 properties19/06/2017—
outstanding
Gillian Marisa Bayford
A registered charge1 property10/05/2017—
outstanding
Gillian Marisa Bayford
A registered charge1 property10/05/2017—
satisfied
Gillian Marisa Bayford
A registered charge12 properties27/01/201707/06/2017
satisfied
Gillian Marisa Bayford
A registered charge1 property11/01/201724/05/2024
satisfied
Gillian Marisa Bayford
A registered charge2 properties11/01/201721/08/2023
outstanding
Gillian Marisa Bayford
A registered charge1 property11/01/2017—
outstanding
Gillian Marisa Bayford
A registered charge1 property11/01/2017—
satisfied
Gillian Marisa Bayford
A registered charge1 property26/08/201626/05/2022
outstanding
Gillian Marisa Bayford
A registered charge1 property26/08/2016—
outstanding
Gillian Marisa Bayford
A registered charge1 property26/08/2016—
satisfied
Gillian Marisa Bayford
A registered charge1 property26/08/201612/11/2022
outstanding
Gillian Marisa Bayford
A registered charge1 property26/08/2016—
satisfied
Gillian Marisa Bayford
A registered charge1 property18/08/201603/02/2020
satisfied
Gillian Marisa Bayford
A registered charge1 property18/08/201603/02/2020
satisfied
Gillian Marisa Bayford
A registered charge1 property18/08/201603/02/2020
outstanding
Gillian Marisa Bayford
A registered charge3 properties08/08/2016—
outstanding
Gillian Marisa Bayford
A registered charge1 property04/08/2016—
satisfied
Gillian Marisa Bayford
A registered charge1 property07/12/201502/05/2018
outstanding
Gillian Marisa Bayford
A registered charge1 property24/09/2015—
outstanding
Gillian Marisa Bayford
A registered charge1 property27/07/2015—
outstanding
Gillian Marisa Bayford
A registered charge1 property23/07/2015—
outstanding
Gillian Marisa Bayford
A registered charge1 property22/07/2015—
outstanding
Gillian Marisa Bayford
A registered charge1 property02/07/2015—
outstanding
Gillian Marisa Bayford
A registered charge1 property27/05/2015—
outstanding
Gillian Marisa Bayford
A registered charge1 property14/05/2015—
outstanding
Gillian Marisa Bayford
A registered charge1 property20/04/2015—
satisfied
Gillian Marisa Bayford
A registered charge1 property08/04/201501/09/2016
satisfied
Gillian Marisa Bayford
A registered charge1 property03/03/201528/01/2022
outstanding
Gillian Marisa Bayford
A registered charge1 property13/02/2015—
satisfied
Alan Ian Warnock
A registered charge1 property01/12/201401/09/2016
satisfied
Alan Ian Warnock
A registered charge1 property01/12/201401/09/2016
satisfied
Alan Ian Warnock
A registered charge1 property01/12/201401/09/2016
satisfied
Gillian Marissa Bayford
A registered charge1 property01/12/201428/08/2019
outstanding
Gillian Marissa Bayford
A registered charge1 property01/12/2014—
satisfied
Gillian Marissa Bayford
A registered charge1 property01/12/201403/02/2020
outstanding
Gillian Marissa Bayford
A registered charge1 property01/12/2014—
outstanding
Gillian Marissa Bayford
A registered charge1 property01/12/2014—
outstanding
Gillian Marissa Bayford
A registered charge1 property01/12/2014—
outstanding
Gillian Marissa Bayford
A registered charge1 property01/12/2014—
outstanding
Gillian Marissa Bayford
A registered charge1 property01/12/2014—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (156 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-25
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-24
mortgage-satisfy-charge-full
mortgage · MR04
2024-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-17
mortgage-satisfy-charge-full
mortgage · MR04
2023-08-31
mortgage-satisfy-charge-full
mortgage · MR04
2023-08-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-19
mortgage-satisfy-charge-full
mortgage · MR04
2022-11-12
mortgage-satisfy-charge-full
mortgage · MR04
2022-11-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-13