MCKENZIE PROPERTIES LTD.

🌳Matureactive
SC169932 · ltd · incorporated 1996-11-18
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£2.76M
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Other accommodation
Sector: Accommodation & food service
Investor take
Pursue
Asset-holding vehicle with a 67-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (93/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

75 live charges · 7 lenders · oldest 29.2y

35/100
too messy

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

  • · Oldest live charge is 29.2 years old — likely at or near maturity.
  • · 7 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (72/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
75 charges (75/75 with lender, 75/75 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 3 with DOB)
82
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
217 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
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 £2,760,458

Key financials

1 year extracted from filed iXBRL accounts
Cash
£190k
Net Worth
£2.8m
Current Assets
£191k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-11-30
Total assets£3.63M
Current assets£190.6k
Cash£190.4k
Debtors£239
Net assets£2.76M

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
13
filings
  • • 13 mortgage
Last 90 days
13
filings
  • • 13 mortgage
Last 180 days
14
filings
  • • 13 mortgage
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (181 events)Click to expand
  1. 2026-04-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  2. 2026-04-15
    🔓
    Charge satisfied #51
  3. 2026-04-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2026-04-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2026-04-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2026-04-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2026-04-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2026-04-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2026-04-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2026-04-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2026-04-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2026-04-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  13. 2026-04-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2026-04-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  15. 2026-04-14
    🔓
    Charge satisfied #75
  16. 2026-04-14
    🔓
    Charge satisfied #72
  17. 2026-04-14
    🔓
    Charge satisfied #71
  18. 2026-04-14
    🔓
    Charge satisfied #70
  19. 2026-04-14
    🔓
    Charge satisfied #68
  20. 2026-04-14
    🔓
    Charge satisfied #66
  21. 2026-04-14
    🔓
    Charge satisfied #65
  22. 2026-04-14
    🔓
    Charge satisfied #64
  23. 2026-04-14
    🔓
    Charge satisfied #60
  24. 2026-04-14
    🔓
    Charge satisfied #54
  25. 2026-04-14
    🔓
    Charge satisfied #74
  26. 2026-04-14
    🔓
    Charge satisfied #49
  27. 2025-08-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  28. 2025-03-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  29. 2025-03-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  30. 2025-03-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  31. 2025-03-06
    🔓
    Charge satisfied #73
  32. 2025-03-06
    🔓
    Charge satisfied #57
  33. 2025-03-06
    🔓
    Charge satisfied #53
  34. 2025-01-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  35. 2025-01-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  36. 2025-01-24
    🔓
    Charge satisfied #69
  37. 2025-01-24
    🔓
    Charge satisfied #62
  38. 2024-12-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  39. 2024-12-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  40. 2024-12-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  41. 2024-12-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  42. 2024-12-06
    🔓
    Charge satisfied #67
  43. 2024-12-06
    🔓
    Charge satisfied #59
  44. 2024-12-06
    🔓
    Charge satisfied #58
  45. 2024-12-06
    🔓
    Charge satisfied #52
  46. 2024-07-03
    🔓
    Charge satisfied #50
  47. 2024-02-01
    🔓
    Charge satisfied #61
  48. 2023-12-18
    🔓
    Charge satisfied #55
  49. 2023-07-06
    🔓
    Charge satisfied #63
  50. 2023-07-06
    🔓
    Charge satisfied #56
Showing most recent 50 of 181 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 "MCKENZIE" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — 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 67. 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 29 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 29 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.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr James Mckenzie
Individual · British · DOB 01/1959 · age 67
50–75%
—50-75% shares02/11/2016

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

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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated1996-11-18
Jurisdictionscotland
Primary SIC55900 — Other accommodation

Registered office

Gardeners Cottage
9 Grierson Drive
Deanston
Doune
FK16 6BA

Filing status

Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-12-02
Last: 2025-11-18

Officers (3 active · 2 resigned)

MCKENZIE, James Charles→
secretary · appointed 1996-11-18
View their other companies + combined net worth →
Active
MCKENZIE, Brenda Elizabeth→
director · ~64y · appointed 1996-11-18
View their other companies + combined net worth →
Active
MCKENZIE, James Charles→
director · ~67y · appointed 1996-11-18
View their other companies + combined net worth →
Active
REID, Brian→
nominee-secretary · appointed 1996-11-18 · resigned 1996-11-18
Resigned
MABBOTT, Stephen→
nominee-director · ~76y · appointed 1996-11-18 · resigned 1996-11-18
Resigned

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

Mortgages & charges

75
Total charges
0
Outstanding
0
Active lenders
Status:Lender:75 of 75 shown
TypeProperties
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property06/07/201714/04/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201706/03/2025
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties05/07/201714/04/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201714/04/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201714/04/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201724/01/2025
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201714/04/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201706/12/2024
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201714/04/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201714/04/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201714/04/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201706/07/2023
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201724/01/2025
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201701/02/2024
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201714/04/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201706/12/2024
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201706/12/2024
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201706/03/2025
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201706/07/2023
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201718/12/2023
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201714/04/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property05/07/201706/03/2025
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property04/07/201714/04/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property04/07/201706/12/2024
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property04/07/201715/04/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property04/07/201703/07/2024
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—13/06/201714/04/2026
satisfied
Virgin Money
Clydesdale Bank PLC
Standard security1 property01/07/201024/06/2017
satisfied
Virgin Money
Clydesdale Bank PLC
Standard security1 property22/12/200924/06/2017
satisfied
Virgin Money
Clydesdale Bank PLC
Standard security1 property04/12/200924/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property08/06/200524/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property22/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/11/200424/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property23/08/200424/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property02/09/200324/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property02/09/200324/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property01/09/200324/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property01/09/200324/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property10/12/200124/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property10/12/200124/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property10/12/200124/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property10/12/200124/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property10/12/200124/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property10/12/200124/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property10/12/200124/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property10/12/200124/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property10/12/200124/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property10/12/200124/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property10/12/200124/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property10/12/200124/06/2017
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property31/10/200102/12/2004
satisfied
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Standard security1 property07/12/200024/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property04/12/200024/06/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property02/11/200024/06/2017
satisfied
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Standard security2 properties02/11/199924/06/2017
satisfied
Lloyds Banking Group
Tsb Bank Scotland PLC
Standard security1 property16/02/199924/06/2017
satisfied
Lloyds Banking Group
Tsb Bank Scotland PLC
Standard security1 property06/01/199904/07/2017
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property24/03/199724/06/2017
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property27/02/199724/06/2017
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property27/02/199724/06/2017

Recent filings (217 total)

mortgage-satisfy-charge-full
mortgage · MR04
2026-04-15
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-14
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-14
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-14
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-14
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-14
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-14
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-14
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-14
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-14
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-14
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-14
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-03