REGENTS ESTATES AND MORTGAGES LIMITED

🌳Matureactive
SC252333 · ltd · incorporated 2003-07-07
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 19.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£107.7k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68310Real estate agencies
Investor take
Pursue
Property-backed borrower with a 64-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 19.6y

70/100
ready

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

  • · Oldest live charge is 19.6 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (77/100)

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
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
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
64 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 · accounting standard not declared
Positive net assets
Net assets £107,665

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£108k
↑ 1.3% YoY
Current Assets
£89k
↑ 7.7% YoY
Current Liabilities
—
£0£22k£43k£65k£86k£108kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£107.7k£107.1k
Current assets£89.4k£83.0k
Net assets£107.7k£106.3k

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2025-09-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2025-09-09
    🔒
    Charge registered #2
    Lender: Aldermore Bank PLC
  3. 2025-08-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2025-08-27
    🔓
    Charge satisfied #1
  5. 2025-07-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2024-09-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2023-04-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-08-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-09-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2020-02-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2019-03-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2018-02-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2017-03-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2016-04-26
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-07-07
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-03-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2014-07-08
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  18. 2006-12-31
    ➕
    SCOTT, Gary Ernest appointed
    secretary
  19. 2006-12-31
    ➖
    MCAVOY, Stephen resigned
    secretary
  20. 2006-10-13
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  21. 2006-10-01
    ➕
    SCOTT, Alan Craig appointed
    director
  22. 2006-10-01
    ➖
    MCAVOY, Stephen resigned
    director
  23. 2005-10-17
    ➖
    ESPARZA, Joseph Luis resigned
    secretary
  24. 2005-10-17
    ➕
    MCAVOY, Stephen appointed
    secretary
  25. 2005-09-28
    ➕
    SCOTT, Gary Ernest appointed
    director
  26. 2005-09-28
    ➖
    ESPARZA, Joseph Luis resigned
    director
  27. 2003-07-07
    🏢
    Company incorporated
    As REGENTS ESTATES AND MORTGAGES LIMITED
  28. 2003-07-07
    ➕
    ESPARZA, Joseph Luis appointed
    secretary
  29. 2003-07-07
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  30. 2003-07-07
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  31. 2003-07-07
    ➕
    ESPARZA, Joseph Luis appointed
    director
  32. 2003-07-07
    ➕
    MCAVOY, Stephen appointed
    director

Owner dependency

84/100
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 21 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.
  • +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 64. 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 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Alan Craig Scott
Individual · British · DOB 12/1964 · age 62
25–50%
—25-50% shares18/06/2016
Mr Gary Ernest Scott
Individual · British · DOB 09/1962 · age 64
25–50%
—25-50% shares18/06/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2003-07-07
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

6 Moray Way North
Dalgety Bay
Dunfermline
Fife
KY11 9NH

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-07-15
Last: 2025-07-01

Officers (3 active · 5 resigned)

SCOTT, Gary Ernest→
secretary · appointed 2006-12-31
View their other companies + combined net worth →
Active
SCOTT, Alan Craig→
director · ~62y · appointed 2006-10-01
View their other companies + combined net worth →
Active
SCOTT, Gary Ernest→
director · ~64y · appointed 2005-09-28
View their other companies + combined net worth →
Active
ESPARZA, Joseph Luis→
secretary · appointed 2003-07-07 · resigned 2005-10-17
Resigned
MCAVOY, Stephen→
secretary · appointed 2005-10-17 · resigned 2006-12-31
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2003-07-07 · resigned 2003-07-07
Resigned
ESPARZA, Joseph Luis→
director · ~61y · appointed 2003-07-07 · resigned 2005-09-28
Resigned
MCAVOY, Stephen→
director · ~62y · appointed 2003-07-07 · resigned 2006-10-01
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property09/09/2025—
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property13/10/200627/08/2025
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (64 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-19
mortgage-satisfy-charge-full
mortgage · MR04
2025-08-27
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-23
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-01
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-03
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-01
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-01
accounts-with-accounts-type-micro-entity
accounts · AA
2020-02-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-07-01