ALBION INVESTMENTS LIMITED

🌳Matureactive
SC182475 · ltd · incorporated 1998-01-27
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 9.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
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 69-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 70/100. Strong seller-intent signal (83/100, director aged 69). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · oldest 9.4y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 9.4 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 2 with DOB)
77
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
84 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
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£0Dec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Average employees200200

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

🔒Filing-note intelligence

4 signals 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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2025-09-23
    📄
    accounts-with-accounts-type-group
    accounts · AA
  2. 2025-02-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2024-09-26
    📄
    accounts-with-accounts-type-group
    accounts · AA
  4. 2023-12-06
    ➕
    KEMP, Brian James Imrie appointed
    secretary
  5. 2023-12-06
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  6. 2023-09-18
    📄
    accounts-with-accounts-type-group
    accounts · AA
  7. 2022-09-20
    📄
    accounts-with-accounts-type-group
    accounts · AA
  8. 2021-09-23
    📄
    accounts-with-accounts-type-group
    accounts · AA
  9. 2020-11-04
    📄
    accounts-with-accounts-type-group
    accounts · AA
  10. 2019-09-26
    📄
    accounts-with-accounts-type-group
    accounts · AA
  11. 2019-07-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2019-07-25
    🔒
    Charge registered #4
    Lender: Barclays Bank PLC
  13. 2018-09-25
    📄
    accounts-with-accounts-type-group
    accounts · AA
  14. 2017-10-04
    📄
    accounts-with-accounts-type-group
    accounts · AA
  15. 2017-02-07
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2017-02-06
    🔒
    Charge registered #3
    Lender: Barclays Bank PLC
  17. 2017-01-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2016-12-30
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  19. 2016-12-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  20. 2016-12-13
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  21. 2016-11-15
    ➕
    PAGE, Derek appointed
    director
  22. 2014-04-07
    ➖
    PURPLE VENTURE SECRETARIES LIMITED resigned
    corporate-secretary
  23. 2005-02-28
    ➕
    PURPLE VENTURE SECRETARIES LIMITED appointed
    corporate-secretary
  24. 2005-02-28
    ➖
    YOUNG & PARTNERS resigned
    corporate-secretary
  25. 1999-12-10
    ➖
    FORSYTH, Ronald George resigned
    secretary
  26. 1999-12-10
    ➕
    YOUNG & PARTNERS appointed
    corporate-secretary
  27. 1998-01-27
    🏢
    Company incorporated
    As ALBION INVESTMENTS LIMITED
  28. 1998-01-27
    ➕
    KEMP, Brian James Imrie appointed
    director
  29. 1998-01-27
    ➕
    FORSYTH, Ronald George appointed
    secretary

Owner dependency

83/100
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 28 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 69 — succession pressure is live.

Succession & seller-readiness

76/100
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 69. 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 28 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%
NameSharesVoting rightsNature of controlNotified
Mr Brian James Imrie Kemp
Individual · British · DOB 11/1957 · age 69
75–100%
75–100%75-100% shares · 75-100% voting15/11/2016

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

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
Incorporated1998-01-27
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Albion Investments Limited Mitchelston Drive
Mitchelston Industrial Estate
Kirkcaldy
KY1 3NF
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-02-10
Last: 2026-01-27

Officers (3 active · 3 resigned)

KEMP, Brian James Imrie→
secretary · appointed 2023-12-06
View their other companies + combined net worth →
Active
KEMP, Brian James Imrie→
director · ~69y · appointed 1998-01-27
View their other companies + combined net worth →
Active
PAGE, Derek→
director · ~65y · appointed 2016-11-15
View their other companies + combined net worth →
Active
FORSYTH, Ronald George→
secretary · appointed 1998-01-27 · resigned 1999-12-10
Resigned
PURPLE VENTURE SECRETARIES LIMITED→
corporate-secretary · appointed 2005-02-28 · resigned 2014-04-07
Resigned
YOUNG & PARTNERS→
corporate-secretary · appointed 1999-12-10 · resigned 2005-02-28
Resigned

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

Mortgages & charges

4
Total charges
4
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Barclays
Barclays Bank PLC
A registered charge1 property25/07/2019—
outstanding
Barclays
Barclays Bank PLC
A registered charge1 property06/02/2017—
outstanding
Barclays
Barclays Bank PLC
A registered charge1 property30/12/2016—
outstanding
Barclays
Barclays Bank PLC
A registered charge—13/12/2016—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (84 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-12
accounts-with-accounts-type-group
accounts · AA
2025-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-05
accounts-with-accounts-type-group
accounts · AA
2024-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-30
appoint-person-secretary-company-with-name-date
officers · AP03
2023-12-06
accounts-with-accounts-type-group
accounts · AA
2023-09-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-30
accounts-with-accounts-type-group
accounts · AA
2022-09-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-21
accounts-with-accounts-type-group
accounts · AA
2021-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-13
accounts-with-accounts-type-group
accounts · AA
2020-11-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-28