KIRKVALE PROPERTY COMPANY LTD. (THE)

🌳Matureactive
SC040648 · ltd · incorporated 1964-07-02
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 44.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£186.9k
book net assets
Opportunity
82/100
Exceptional
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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 with a 89-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 65/100. Strong seller-intent signal (83/100, director aged 89). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 4 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

6 live charges · 2 lenders · oldest 44.3y

50/100
clean up first

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

  • · Oldest live charge is 44.3 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
11 officers (3 active, 11 linked, 10 with DOB)
88
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
124 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
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
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 £186,925
Net assets shrinking
Down £78,783 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£187k
↓ 30% YoY
Current Assets
£105k
↑ 4331% YoY
Current Liabilities
—
£0£53k£106k£159k£213k£266kApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-04-052024-04-05
Total assets£186.9k£265.7k
Current assets£104.9k£2.4k
Net assets£186.9k£265.7k

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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (40 events)Click to expand
  1. 2025-10-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-11-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2024-11-04
    🔓
    Charge satisfied #7
  4. 2024-10-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-06-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-08-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-06-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-02-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2020-06-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2019-08-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2018-09-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2017-11-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2017-10-18
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2017-10-18
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2017-10-18
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2017-10-13
    ➖
    COWAN, Darren resigned
    director
  17. 2017-10-13
    ➖
    COWAN, Jeremy resigned
    director
  18. 2017-10-13
    ➖
    COWAN, Marc Simon resigned
    director
  19. 2017-09-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  20. 2007-08-16
    ➕
    COWAN, Darren appointed
    director
  21. 2007-08-16
    ➕
    COWAN, Jeremy appointed
    director
  22. 2000-12-06
    🔒
    Charge registered #7
    Lender: The Royal Bank of Scotland PLC
  23. 2000-03-31
    ➖
    COWAN, Richard Maurice resigned
    director
  24. 2000-03-31
    ➖
    HILL, Cynthia Ann resigned
    director
  25. 2000-03-31
    ➖
    MYERS, Sharon resigned
    director
  26. 1998-10-21
    🔒
    Charge registered #6
    Lender: The Royal Bank of Scotland PLC
  27. 1997-08-01
    ➕
    COWAN, Evelyn appointed
    director
  28. 1997-08-01
    ➕
    COWAN, Marc Simon appointed
    director
  29. 1997-08-01
    ➕
    HILL, Cynthia Ann appointed
    director
  30. 1997-08-01
    ➕
    MYERS, Sharon appointed
    director
  31. 1995-04-01
    ➖
    COWAN, Cynthia Ann resigned
    director
  32. 1995-04-01
    ➕
    COWAN, Richard Maurice appointed
    director
  33. 1993-01-17
    ➕
    COWAN, Cynthia Ann appointed
    director
  34. 1993-01-17
    ➖
    COWAN, Raymond Alex resigned
    director
  35. 1988-12-21
    🔒
    Charge registered #5
    Lender: The Royal Bank of Scotland PLC
  36. 1984-03-19
    🔒
    Charge registered #4
    Lender: Guardian Assurance PLC
  37. 1982-10-11
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  38. 1982-08-26
    🔓
    Charge satisfied #1
  39. 1982-01-14
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  40. 1964-07-02
    🏢
    Company incorporated
    As KIRKVALE PROPERTY COMPANY LTD. (THE)

Owner dependency

91/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 89 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100
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 89 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 62 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.)

Group structure

Kirkvale Property Company (2000) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Kirkvale Property Company (2000) Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
KIRKVALE PROPERTY COMPANY LTD. (THE)
This company · SC040648

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
Kirkvale Property Company (2000) Limited
Corporate entity
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
Incorporated1964-07-02
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

51 Mclaren Court
Fenwick Place
Giffnock
Glasgow
G46 6UF
Scotland

Filing status

Accounts
Next due: 2027-01-05
Last made up to: 2025-04-05
Confirmation statement
Next due: 2027-01-22
Last: 2026-01-08

Officers (3 active · 8 resigned)

COWAN, Jack→
secretary
View their other companies + combined net worth →
Active
COWAN, Evelyn→
director · ~79y · appointed 1997-08-01
View their other companies + combined net worth →
Active
COWAN, Jack→
director · ~89y
View their other companies + combined net worth →
Active
COWAN, Cynthia Ann→
director · ~85y · appointed 1993-01-17 · resigned 1995-04-01
Resigned
COWAN, Darren→
director · ~55y · appointed 2007-08-16 · resigned 2017-10-13
Resigned
COWAN, Jeremy→
director · ~52y · appointed 2007-08-16 · resigned 2017-10-13
Resigned
COWAN, Marc Simon→
director · ~58y · appointed 1997-08-01 · resigned 2017-10-13
Resigned
COWAN, Raymond Alex→
director · ~90y · resigned 1993-01-17
Resigned
COWAN, Richard Maurice→
director · ~58y · appointed 1995-04-01 · resigned 2000-03-31
Resigned
HILL, Cynthia Ann→
director · ~85y · appointed 1997-08-01 · resigned 2000-03-31
Resigned
MYERS, Sharon→
director · ~60y · appointed 1997-08-01 · resigned 2000-03-31
Resigned

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

Mortgages & charges

6
Total charges
4
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property06/12/200004/11/2024
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property21/10/1998—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property21/12/1988—
outstanding
Guardian Assurance
Guardian Assurance PLC
Standard security1 property19/03/1984—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property11/10/1982—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property14/01/198226/08/1982
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (124 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-13
mortgage-satisfy-charge-full
mortgage · MR04
2024-11-04
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-20
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-19
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-29
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-08