R & G SCOBIE PROPERTIES LTD.

🌳Matureactive
SC165600 · ltd · incorporated 1996-05-14
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
—
year to Jul 2025
Net worth
—
book net assets
Opportunity
75/100
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 with a 73-year-old founder — textbook succession opportunity.

Opportunity 75/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 73). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

23 live charges · 6 lenders · oldest 29.7y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 29.7 years old — likely at or near maturity.
  • · 6 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

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
23 charges (23/23 with lender, 23/23 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
95 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
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£0Jul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-07-312024-07-31
Average employees2200

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
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (54 events)Click to expand
  1. 2026-04-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-08-18
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-04-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-01-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2025-01-14
    🔓
    Charge satisfied #4
  6. 2024-05-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-04-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-03-09
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2023-03-09
    🔓
    Charge satisfied #9
  10. 2022-09-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2022-08-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2022-08-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2022-08-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2022-08-24
    🔒
    Charge registered #23
    Lender: Paragon Bank PLC
  15. 2022-08-18
    🔒
    Charge registered #22
    Lender: Paragon Bank PLC
  16. 2022-08-18
    🔒
    Charge registered #21
    Lender: Paragon Bank PLC
  17. 2022-08-18
    🔒
    Charge registered #20
    Lender: Paragon Bank PLC
  18. 2022-05-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2022-03-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  20. 2022-03-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2022-03-02
    🔒
    Charge registered #19
    Lender: Paragon Bank PLC
  22. 2022-03-02
    🔒
    Charge registered #18
    Lender: Paragon Bank PLC
  23. 2021-12-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2021-12-17
    🔒
    Charge registered #17
    Lender: Paragon Bank PLC
  25. 2021-11-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  26. 2021-11-16
    🔒
    Charge registered #16
    Lender: Paragon Bank PLC
  27. 2021-07-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  28. 2020-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  29. 2019-08-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  30. 2019-08-08
    🔒
    Charge registered #15
    Lender: Aldermore Bank PLC
  31. 2011-08-12
    🔒
    Charge registered #14
    Lender: The Mortgage Works (UK) PLC
  32. 2011-08-03
    🔒
    Charge registered #13
    Lender: The Mortgage Works (UK) PLC
  33. 2007-08-02
    🔒
    Charge registered #12
    Lender: The Mortgage Trust
  34. 2007-06-19
    🔒
    Charge registered #11
    Lender: Mortgage Trust Limited
  35. 2007-02-26
    🔒
    Charge registered #10
    Lender: Mortgage Trust Limited
  36. 2007-02-20
    🔒
    Charge registered #9
    Lender: Mortgage Trust Limited
  37. 2007-02-09
    🔒
    Charge registered #8
    Lender: Mortgage Trust Limited
  38. 2007-02-07
    🔒
    Charge registered #7
    Lender: Mortgage Trust Limited
  39. 2006-06-22
    🔒
    Charge registered #6
    Lender: The Governor and Company of the Bank of Scotland
  40. 2005-09-02
    🔒
    Charge registered #5
    Lender: The Governor and Company of the Bank of Scotland
  41. 2005-05-27
    🔒
    Charge registered #4
    Lender: The Governor and Company of the Bank of Scotland
  42. 2004-03-15
    🔒
    Charge registered #3
    Lender: The Governor and Company of the Bank of Scotland
  43. 2003-10-02
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  44. 1996-09-05
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  45. 1996-05-14
    🏢
    Company incorporated
    As R & G SCOBIE PROPERTIES LTD.
  46. 1996-05-14
    ➕
    SCOBIE, Gwen appointed
    secretary
  47. 1996-05-14
    ➕
    SCOBIE, Gwen appointed
    director
  48. 1996-05-14
    ➕
    SCOBIE, Robert Lewis appointed
    director
  49. 1996-05-14
    ➕
    FOOT, Leigh appointed
    nominee-secretary
  50. 1996-05-14
    ➖
    FOOT, Leigh resigned
    nominee-secretary
Showing most recent 50 of 54 events

Owner dependency

100/100
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.
  • +Founder name in company name: Company name contains director surname "SCOBIE" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 73 — 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 73 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 30 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 30 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 · 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.

21 live charges
low

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

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Gwen Scobie
Individual · British · DOB 03/1956 · age 70
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
Mr Robert Lewis Scobie
Individual · British · DOB 10/1953 · age 73
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016

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
Incorporated1996-05-14
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Facts & Figures
13 Rutland Street
Edinburgh
EH1 2AE
Scotland

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-05-28
Last: 2025-05-14

Officers (3 active · 3 resigned)

SCOBIE, Gwen→
secretary · appointed 1996-05-14
View their other companies + combined net worth →
Active
SCOBIE, Gwen→
director · ~70y · appointed 1996-05-14
View their other companies + combined net worth →
Active
SCOBIE, Robert Lewis→
director · ~73y · appointed 1996-05-14
View their other companies + combined net worth →
Active
FOOT, Leigh→
nominee-secretary · appointed 1996-05-14 · resigned 1996-05-14
Resigned
MCINTOSH, Susan→
nominee-director · ~56y · appointed 1996-05-14 · resigned 1996-05-14
Resigned
TRAINER, Peter→
nominee-director · ~74y · appointed 1996-05-14 · resigned 1996-05-14
Resigned

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

Mortgages & charges

23
Total charges
21
Outstanding
6
Active lenders
Status:Lender:23 of 23 shown
TypeProperties
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property24/08/2022—
outstanding
Paragon
Paragon Bank PLC
A registered charge3 properties18/08/2022—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property18/08/2022—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property18/08/2022—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property02/03/2022—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property02/03/2022—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property17/12/2021—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property16/11/2021—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property08/08/2019—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
Standard security1 property12/08/2011—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
Standard security1 property03/08/2011—
outstanding
The Mortgage Trust
Standard security1 property02/08/2007—
outstanding
Mortgage Trust
Mortgage Trust Limited
Standard security1 property19/06/2007—
outstanding
Mortgage Trust
Mortgage Trust Limited
Standard security1 property26/02/2007—
satisfied
Mortgage Trust
Mortgage Trust Limited
Standard security1 property20/02/200709/03/2023
outstanding
Mortgage Trust
Mortgage Trust Limited
Standard security1 property09/02/2007—
outstanding
Mortgage Trust
Mortgage Trust Limited
Standard security1 property07/02/2007—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property22/06/2006—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property02/09/2005—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property27/05/200514/01/2025
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property15/03/2004—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property02/10/2003—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property05/09/1996—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (95 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-08-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-28
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-27
mortgage-satisfy-charge-full
mortgage · MR04
2023-03-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-09-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-20