GERARD CAMERON PROPERTIES LIMITED

🌳Matureactive
SC192577 · ltd · incorporated 1999-01-14
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 25.4y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£57.3k
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 71-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 71). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 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

2 live charges · oldest 25.4y

65/100
clean up first

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

  • · Oldest live charge is 25.4 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 4 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
74 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒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
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.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £57,282
Net assets shrinking
Down £2,760 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£57k
↓ 4.6% YoY
Current Assets
£19k
↑ 18% YoY
Current Liabilities
—
£0£12k£24k£36k£48k£60kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£57.3k£60.0k
Current assets£19.3k£16.4k
Net assets£57.3k£60.0k

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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2025-12-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-11-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-01-19
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  4. 2023-11-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-03-31
    ➖
    CAMERON, James Saunders resigned
    director
  6. 2022-09-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-03-16
    📄
    capital-allotment-shares
    capital · SH01
  8. 2021-12-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2020-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2019-12-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2018-12-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2017-11-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2016-11-07
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2016-02-06
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-10-07
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2015-02-06
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2013-12-16
    ➕
    CAMERON, Louise Elizabeth appointed
    secretary
  18. 2013-12-16
    ➕
    CAMERON, Louise Elizabeth appointed
    director
  19. 2013-12-16
    ➖
    CAMERON, Gerardine resigned
    secretary
  20. 2013-12-16
    ➖
    CAMERON, Gerardine resigned
    director
  21. 2006-01-18
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  22. 2001-01-19
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  23. 1999-01-14
    🏢
    Company incorporated
    As GERARD CAMERON PROPERTIES LIMITED
  24. 1999-01-14
    ➕
    CAMERON, Gerard James Saunders appointed
    director
  25. 1999-01-14
    ➕
    CAMERON, Gerardine appointed
    secretary
  26. 1999-01-14
    ➕
    FIRST SCOTTISH SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  27. 1999-01-14
    ➖
    FIRST SCOTTISH SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  28. 1999-01-14
    ➕
    CAMERON, Gerardine appointed
    director
  29. 1999-01-14
    ➕
    CAMERON, James Saunders appointed
    director
  30. 1999-01-14
    ➕
    FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED appointed
    corporate-nominee-director
  31. 1999-01-14
    ➖
    FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED resigned
    corporate-nominee-director

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 "CAMERON" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 71 — 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 71 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 27 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 27 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%
NameSharesVoting rightsNature of controlNotified
Mr Gerard James Saunders Cameron
Individual · British · DOB 09/1955 · age 71
75–100%
—75-100% shares06/04/2016

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

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
Incorporated1999-01-14
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

The Coach House
James Street
Blairgowrie
Perthshire
PH10 6EZ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-28
Last: 2026-01-14

Officers (3 active · 5 resigned)

CAMERON, Louise Elizabeth→
secretary · appointed 2013-12-16
View their other companies + combined net worth →
Active
CAMERON, Gerard James Saunders→
director · ~71y · appointed 1999-01-14
View their other companies + combined net worth →
Active
CAMERON, Louise Elizabeth→
director · ~58y · appointed 2013-12-16
View their other companies + combined net worth →
Active
CAMERON, Gerardine→
secretary · appointed 1999-01-14 · resigned 2013-12-16
Resigned
FIRST SCOTTISH SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 1999-01-14 · resigned 1999-01-14
Resigned
CAMERON, Gerardine→
director · ~102y · appointed 1999-01-14 · resigned 2013-12-16
Resigned
CAMERON, James Saunders→
director · ~105y · appointed 1999-01-14 · resigned 2023-03-31
Resigned
FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED→
corporate-nominee-director · appointed 1999-01-14 · resigned 1999-01-14
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property18/01/2006—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Floating charge1 property19/01/2001—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (74 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-25
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-17
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-19
termination-director-company-with-name-termination-date
officers · TM01
2024-01-19
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-15
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-23
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-28
capital-allotment-shares
capital · SH01
2022-03-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-14
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-20
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-19