PCM PROPERTIES LIMITED

🌳Matureactive

SC142138 · ltd · incorporated 1993-01-18

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 33.1y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jul 2025

Net worth

£1.18M

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 68-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 65/100. Strong seller-intent signal (83/100, director aged 68). 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 33.1y

50/100

clean up first

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

· Oldest live charge is 33.1 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

6 charges (6/6 with lender, 6/6 with type)

Directors & officers

7 officers (3 active, 7 linked, 3 with DOB)

Ownership & PSC

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

Director network

6 connected companies via shared directors

Filing history

96 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 · FRS 105 (micro)

Positive net assets

Net assets £1,183,156

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£1.2m

↑ 1.3% YoY

Current Assets

£637k

↑ 34% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-07-31	2024-07-31
Total assets	£1.34M	£1.27M
Current assets	£637.0k	£477.0k
Net assets	£1.18M	£1.17M

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

filing

• 1 accounts

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (36 events)Click to expand

2026-04-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-03
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-18
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-06
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-07-15
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-01-30
📄
change-person-director-company-with-change-date
officers · CH01
2020-01-30
📄
change-person-secretary-company-with-change-date
officers · CH03
2020-01-30
📄
change-person-director-company-with-change-date
officers · CH01
2020-01-30
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-01-30
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2019-09-17
📄
capital-name-of-class-of-shares
capital · SH08
2019-09-17
📄
resolution
resolution · RESOLUTIONS
2019-03-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-04-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-06-23
🔓
Charge satisfied #7
2017-06-23
🔓
Charge satisfied #4
2007-02-05
🔒
Charge registered #7
Lender: Clydesdale Bank Public Limited Company
2003-01-23
➕
CALLAN, Linda Jane appointed
secretary
2003-01-23
➕
CALLAN, Linda Jane appointed
director
2003-01-23
➖
BLACK, David resigned
secretary
2003-01-23
➖
BLACK, David resigned
director
1997-06-12
🔒
Charge registered #6
Lender: Clydesdale Bank Public Limited Company
1997-04-25
🔒
Charge registered #5
Lender: Clydesdale Bank Public Limited Company
1997-03-27
🔒
Charge registered #4
Lender: Clydesdale Bank Public Limited Company
1996-09-04
🔒
Charge registered #3
Lender: The Governor and Company of the Bank of Scotland
1993-04-27
🔒
Charge registered #2
Lender: The Governor and Company of the Bank of Scotland
1993-01-18
🏢
Company incorporated
As PCM PROPERTIES LIMITED
1993-01-18
➕
CALLAN, Andrew appointed
director
1993-01-18
➕
BLACK, David appointed
secretary
1993-01-18
➕
OSWALDS OF EDINBURGH LIMITED appointed
corporate-nominee-secretary
1993-01-18
➖
OSWALDS OF EDINBURGH LIMITED resigned
corporate-nominee-secretary
1993-01-18
➕
BLACK, David appointed
director
1993-01-18
➕
JORDANS (SCOTLAND) LIMITED appointed
corporate-nominee-director
1993-01-18
➖
JORDANS (SCOTLAND) LIMITED resigned
corporate-nominee-director

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 33 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 68 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 33 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 33 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.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Andrew Callan Individual · British · DOB 02/1958 · age 68	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	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

Active · Property · KY postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
G.W. DOUGLAS PROPERTY & GARAGE COMPANY LIMITED→ SC031202 · est 1955	£1.10M £938.6k–£1.27M	—	£1.10M	—	70y	82	70y
MVPR LIMITED→ SC240584 · est 2002	£753.5k £640.4k–£866.5k	—	£753.5k	—	23y	82	69y
A J W PROPERTIES (SCOTLAND) LIMITED→ SC254914 · est 2003	£631.0k £536.4k–£725.7k	—	£631.0k	—	22y	82	73y
BENTHEAD DEVELOPMENTS LIMITED→ SC123999 · est 1990	£469.5k £399.1k–£539.9k	—	£469.5k	—	36y	82	65y
STARK'S PARK PROPERTIES LTD→ SC226922 · est 2002	£337.6k £287.0k–£388.3k	—	£337.6k	—	24y	82	75y
TAYLOR BROTHERS (PROPERTY DEVELOPMENT) LIMITED→ SC058985 · est 1975	£314.3k £267.2k–£361.5k	—	£314.3k	—	50y	83	79y
BRAEFIELD LIMITED→ SC158886 · est 1995	£276.5k £235.1k–£318.0k	—	£276.5k	—	30y	82	74y
GOOD NEWS (DUNFERMLINE) LIMITED→ SC168501 · est 1996	£126.6k £107.6k–£145.6k	—	£126.6k	—	29y	82	67y
SUMMITS INVESTMENTS LIMITED→ SC169947 · est 1996	£123.7k £105.1k–£142.3k	—	£123.7k	—	29y	82	73y
REGENTS ESTATES AND MORTGAGES LIMITED→ SC252333 · est 2003	£107.7k £91.5k–£123.8k	—	£107.7k	—	22y	82	64y
RUMOURS (KIRKCALDY) LTD.→ SC240082 · est 2002	£53.8k £45.8k–£61.9k	—	£53.8k	—	23y	82	61y
MERLIN HOUSE LIMITED→ SC216220 · est 2001	£40.5k £34.4k–£46.6k	—	£40.5k	—	25y	83	64y

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

Incorporated1993-01-18

Jurisdictionscotland

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

Registered office

Castleblair Works

Castleblair

Dunfermline

KY12 9DP

Filing status

Accounts

Next due: 2027-04-30

Last made up to: 2025-07-31

Confirmation statement

Next due: 2027-02-01

Last: 2026-01-18

Officers (3 active · 4 resigned)

CALLAN, Linda Jane→

secretary · appointed 2003-01-23

View their other companies + combined net worth →

Active

CALLAN, Andrew→

director · ~68y · appointed 1993-01-18

View their other companies + combined net worth →

Active

CALLAN, Linda Jane→

director · ~68y · appointed 2003-01-23

View their other companies + combined net worth →

Active

BLACK, David→

secretary · appointed 1993-01-18 · resigned 2003-01-23

Resigned

OSWALDS OF EDINBURGH LIMITED→

corporate-nominee-secretary · appointed 1993-01-18 · resigned 1993-01-18

Resigned

BLACK, David→

director · ~77y · appointed 1993-01-18 · resigned 2003-01-23

Resigned

JORDANS (SCOTLAND) LIMITED→

corporate-nominee-director · appointed 1993-01-18 · resigned 1993-01-18

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:6 of 6 shown

		Type	Properties
satisfied	Virgin Money Clydesdale Bank Public Limited Company	Standard security	1 property	05/02/2007	23/06/2017
outstanding	Virgin Money Clydesdale Bank Public Limited Company	Standard security	1 property	12/06/1997	—
outstanding	Virgin Money Clydesdale Bank Public Limited Company	Standard security	2 properties	25/04/1997	—
satisfied	Virgin Money Clydesdale Bank Public Limited Company	Floating charge	1 property	27/03/1997	23/06/2017
outstanding	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Standard security	1 property	04/09/1996	—
outstanding	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Standard security	1 property	27/04/1993	—

Click column headers to sort. Use filters above to narrow by status and lender.