URBAN&CIVIC PLC

🌳Matureactive

SC149799 · plc · incorporated 1994-03-16

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

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Management of real estate on a fee or contract basis

Sector: Real estate

ALSO REGISTERED FOR

70100Activities of head offices

Investor take

Pursue

Property-backed borrower with a 68-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

8 live charges · 5 lenders · oldest 27.6y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 27.6 years old — likely at or near maturity.
· 5 lenders named — inter-creditor friction likely.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (58/100)

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

Company profile

address, 2 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

8 charges (8/8 with lender, 8/8 with type)

Directors & officers

47 officers (8 active, 47 linked, 40 with DOB)

Ownership & PSC

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

Director network

4 connected companies via shared directors

Filing history

419 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

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

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.

Recent activity

Last 30 days

filings

Last 90 days

filings

• 1 confirmation-statement
• 1 accounts

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (120 events)Click to expand

2026-03-30
📄
accounts-with-accounts-type-group
accounts · AA
2025-04-03
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-28
🔒
Charge registered #8
Lender: Homes and Communities Agency (Trading as Homes England)
2025-02-28
📄
accounts-with-accounts-type-group
accounts · AA
2025-02-27
📄
capital-allotment-shares
capital · SH01
2024-04-11
📄
accounts-with-accounts-type-group
accounts · AA
2023-10-19
📄
capital-allotment-shares
capital · SH01
2023-07-10
📄
capital-allotment-shares
capital · SH01
2023-03-22
📄
capital-allotment-shares
capital · SH01
2023-03-07
📄
accounts-with-accounts-type-group
accounts · AA
2022-09-30
📄
capital-allotment-shares
capital · SH01
2022-04-05
📄
resolution
resolution · RESOLUTIONS
2022-03-29
📄
capital-allotment-shares
capital · SH01
2022-03-21
📄
accounts-with-accounts-type-group
accounts · AA
2021-10-21
📄
memorandum-articles
incorporation · MA
2021-10-21
📄
resolution
resolution · RESOLUTIONS
2021-10-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-10-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-03-25
📄
accounts-with-accounts-type-group
accounts · AA
2021-03-02
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2021-02-18
➕
BOOT, Rosemary Jane Cecilia appointed
director
2021-02-18
➕
HOLLAND, William Edward John appointed
director
2021-02-15
➕
WOOD, David appointed
secretary
2021-02-15
➖
WILLIAMS, Heather resigned
secretary
2021-01-21
➕
GRAY, Peter John Pereira appointed
director
2021-01-21
➕
PATEL, Lisha Nagin appointed
director
2021-01-21
➖
BARLOW, Ian Edward resigned
director
2021-01-21
➖
BARNES, June resigned
director
2021-01-21
➖
BOOT, Rosemary Jane Cecilia resigned
director
2021-01-21
➖
DI-STEFANO, Jonathan Graham resigned
director
2021-01-21
➖
DICKINSON, Alan Peter resigned
director
2021-01-21
➖
HOLLAND, William Edward John resigned
director
2021-01-21
➖
SHARMA, Sanjeev resigned
director
2020-02-06
➕
HOLLAND, William Edward John appointed
director
2019-05-10
➕
BOOT, Rosemary Jane Cecilia appointed
director
2019-05-10
➕
SHARMA, Sanjeev appointed
director
2019-03-25
🔒
Charge registered #7
Lender: Homes and Communities Agency (Trading as Homes England)
2019-02-13
➖
HUNTER, Duncan Robert resigned
director
2018-07-11
➖
TAGLIAFERRI, Mark Lee resigned
director
2018-02-08
➖
DYSON, Robert William resigned
director
2017-09-01
➕
DI-STEFANO, Jonathan Graham appointed
director
2016-09-01
➕
BARLOW, Ian Edward appointed
director
2016-07-01
➕
WOOD, David Lewis appointed
director
2016-07-01
➖
AUSTEN, Jonathan Martin resigned
director
2016-05-11
🔓
Charge satisfied #6
2016-05-11
🔓
Charge satisfied #5
2016-04-20
➖
ADAIR, Robert Fredrik Martin resigned
director
2016-03-24
➖
LEECH, Philip Alexander Jeremy resigned
director
2015-08-26
➖
AUSTEN, Jonathan Martin resigned
secretary
2015-08-26
➕
WILLIAMS, Heather appointed
secretary

Showing most recent 50 of 120 events

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-7 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

73/100

Strong succession signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
secondary12+ year tenure: Director in role 12 years.
secondaryStable-but-static management: Company is 32 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

1 med ·

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.

Group structure

Gower Place Investments Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Gower Place Investments Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

URBAN&CIVIC PLC

This company · SC149799

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%

Name	Shares	Voting rights	Nature of control	Notified
Gower Place Investments Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	09/02/2021

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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LANDWARD SECURITIES (EDINBURGH) LIMITED→ SC052040 · est 1972	£3.62M £3.07M–£4.16M	—	£3.62M	—	53y	83	62y
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PAMABER PROPERTIES LIMITED→ SC147392 · est 1993	£1.21M £1.03M–£1.39M	—	£1.21M	—	32y	83	78y
LYNE PROPERTIES (EDINBURGH) LIMITED→ SC028226 · est 1951	£1.12M £947.9k–£1.28M	—	£1.12M	—	75y	83	85y
SANTOSHI ENTERPRISE LIMITED→ SC251221 · est 2003	£669.9k £569.4k–£770.4k	—	£669.9k	—	22y	83	64y
FACTOTUM (SCOTLAND) LIMITED→ SC246244 · est 2003	£338.5k £287.7k–£389.2k	—	£338.5k	—	23y	83	74y
THE OLD SAWMILL LIMITED→ SC299306 · est 2006	£28.1k £23.9k–£32.3k	—	£28.1k	—	20y	83	63y
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Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

7 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

Typeplc

Incorporated1994-03-16

Jurisdictionscotland

Primary SIC68320 — Management of real estate on a fee or contract basis

Registered office

4th Floor 115 George Street

Edinburgh

EH2 4JN

United Kingdom

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-09-30

Confirmation statement

Next due: 2027-04-06

Last: 2026-03-23