BEN THOW LIMITED

🌳Matureactive

SC058084 · ltd · incorporated 1975-07-02

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.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 32.7y old — refinance window within 12 months

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£1.51M

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. Family succession underway — not a classic acquisition target.

Opportunity 82/100 (exceptional), bankability 65/100. Same-surname younger director in place — likely family handover, not open to sale. 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

5 live charges · 2 lenders · oldest 32.7y

50/100

clean up first

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

· Oldest live charge is 32.7 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

Lenders & charges

5 charges (5/5 with lender, 5/5 with type)

Directors & officers

8 officers (5 active, 8 linked, 7 with DOB)

Ownership & PSC

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

Director network

2 connected companies via shared directors

Filing history

112 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒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

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.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £1,514,732

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£1.5m

↑ 2.6% YoY

Current Assets

£35k

↓ 24% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£1.69M	£1.67M
Current assets	£35.1k	£46.3k
Net assets	£1.51M	£1.48M

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

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (30 events)Click to expand

2025-12-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-20
➕
THOW, Rebecca Ann Louise appointed
director
2025-01-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-12-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-29
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-12-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-21
➕
THOW, Craig George appointed
director
2021-09-21
➕
THOW, Robert Scott appointed
director
2021-09-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-09-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-03-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-01-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-12-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-12-30
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-03-21
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-02-17
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2009-10-23
🔒
Charge registered #5
Lender: Royal Bank of Scotland PLC
2004-04-30
➖
THOW, Alexander John resigned
director
2000-01-17
➖
THOW, Benjamin resigned
director
2000-01-17
➖
THOW, Jamesina Sutherland resigned
director
1998-03-31
🔓
Charge satisfied #3
1997-06-11
🔒
Charge registered #4
Lender: The Royal Bank of Scotland PLC
1995-05-18
🔒
Charge registered #3
Lender: The Royal Bank of Scotland PLC
1995-04-05
🔒
Charge registered #2
Lender: The Royal Bank of Scotland PLC
1993-09-04
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
1990-03-21
➕
THOW, Robert George appointed
director
1990-03-21
➕
THOW, Alexander John appointed
director
1975-07-02
🏢
Company incorporated
As BEN THOW LIMITED

Owner dependency

88/100

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

-4 active directors: Broader management team in place — suggests transferable governance.
+Founder name in company name: Company name contains director surname "THOW" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 36 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 69 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

30/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS

primaryFamily succession underway: Not a takeover target — THOW, Craig George (same surname) appointed 2021-09-21. Pattern consistent with intra-family handover.
primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
primary20+ year tenure: Director in role 36 years. Very long tenure is a classic succession signal.
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.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Robert George Thow Individual · United Kingdom · DOB 03/1957 · age 69	75–100%	—	sig. influence75-100% shares · significant influence · trust interest	06/04/2016

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 →

Similar companies

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F.G. BURNETT LIMITED→ SC202175 · est 1999	£1.01M £861.9k–£1.17M	—	£1.01M	—	26y	83	65y
ABBOTSHALL SERVICES LIMITED→ SC305853 · est 2006	£581.0k £493.8k–£668.1k	—	£581.0k	—	19y	82	68y
BANCHORY CAR CENTRE LTD.→ SC356740 · est 2009	£526.7k £447.7k–£605.7k	—	£526.7k	—	17y	82	71y
BOWDEN BUILDINGS LTD→ SC279331 · est 2005	£492.7k £418.8k–£566.6k	—	£492.7k	—	21y	82	62y
THISTLE STREET PROPERTIES LIMITED→ SC312791 · est 2006	£327.7k £278.5k–£376.8k	—	£327.7k	—	19y	83	61y
ART DECO CARRON RESTAURANT LTD.→ SC218207 · est 2001	£201.4k £171.2k–£231.6k	—	£201.4k	—	25y	82	62y
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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.

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Company details

Statusactive

Typeltd

Incorporated1975-07-02

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Canada Cottage Whitecairns

Belhelvie

Aberdeen

Aberdeenshire

AB23 8XE

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-02-03

Last: 2026-01-20