A J W PROPERTIES (SCOTLAND) LIMITED

🌳Matureactive
SC254914 · ltd · incorporated 2003-08-28
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 12.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£631.0k
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
Asset-holding vehicle with a 73-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 73). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 12.0y

85/100
ready

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

  • · Oldest live charge is 12.0 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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 2 with DOB)
80
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
71 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 £631,019

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£631k
~ YoY
Current Assets
£34k
↑ 5.6% YoY
Current Liabilities
—
£0£126k£252k£379k£505k£631kMar 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£631.0k£630.0k
Current assets£33.5k£31.7k
Net assets£631.0k£630.0k

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
9
filings
  • • 4 persons-with-significant-control
  • • 4 officers
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2026-01-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  2. 2026-01-19
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  3. 2026-01-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  4. 2026-01-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  5. 2026-01-09
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  6. 2026-01-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2026-01-09
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  8. 2026-01-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2025-11-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2025-04-10
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2025-04-10
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2024-12-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2024-01-19
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  14. 2024-01-19
    🔓
    Charge satisfied #1
  15. 2023-12-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2023-09-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2023-09-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  18. 2023-09-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2023-09-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  20. 2023-09-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  21. 2023-09-01
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  22. 2022-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2014-05-06
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  24. 2003-08-28
    🏢
    Company incorporated
    As A J W PROPERTIES (SCOTLAND) LIMITED
  25. 2003-08-28
    ➕
    CUTHBERT, William Neil appointed
    secretary
  26. 2003-08-28
    ➕
    CUTHBERT, Barbara Anne appointed
    director
  27. 2003-08-28
    ➕
    CUTHBERT, William Neil appointed
    director
  28. 2003-08-28
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  29. 2003-08-28
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary

Owner dependency

91/100
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 23 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 23 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
Mrs Barbara Anne Cuthbert
Individual · British · DOB 01/1957 · age 69
25–50%
25–50%25-50% shares · 25-50% voting09/01/2026
Mr William Neil Cuthbert
Individual · British · DOB 12/1953 · age 73
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
2 historic (ceased) PSCs
  • Mrs Barbara Anne Cuthbertceased 09/01/2026· 25-50% shares · 25-50% voting
  • Mrs Barbara Anne Cuthbertceased 06/04/2016· 25-50% shares · 25-50% voting

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 →

Similar companies

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CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
BENTHEAD DEVELOPMENTS LIMITED→
SC123999 · est 1990
£469.5k
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—£469.5k—36y8265y
ABBEYFORT HOLIDAYS LIMITED→
SC301687 · est 2006
£408.0k
£346.8k–£469.2k
—£408.0k—20y8361y
TAYLOR BROTHERS (PROPERTY DEVELOPMENT) LIMITED→
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£314.3k
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—£314.3k—50y8379y
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—£276.5k—30y8274y
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—£40.5k—25y8364y
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—£8.2k—28y8278y
STIRLING DEVELOPMENTS LIMITED→
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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
Incorporated2003-08-28
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Grangefield Grange Road
Earlsferry
Leven
KY9 1AL
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-31
Last: 2025-08-17

Officers (3 active · 1 resigned)

CUTHBERT, William Neil→
secretary · appointed 2003-08-28
View their other companies + combined net worth →
Active
CUTHBERT, Barbara Anne→
director · ~69y · appointed 2003-08-28
View their other companies + combined net worth →
Active
CUTHBERT, William Neil→
director · ~73y · appointed 2003-08-28
View their other companies + combined net worth →
Active
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2003-08-28 · resigned 2003-08-28
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—06/05/201419/01/2024

Recent filings (71 total)

notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-01-19
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-01-19
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-01-09
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-01-09
change-person-secretary-company-with-change-date
officers · CH03
2026-01-09
change-person-director-company-with-change-date
officers · CH01
2026-01-09
change-person-secretary-company-with-change-date
officers · CH03
2026-01-09
change-person-director-company-with-change-date
officers · CH01
2026-01-09
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-23
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-19