A.QUINE (INVESTMENTS) LIMITED

🌳Matureactive
SC278698 · ltd · incorporated 2005-01-19
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.
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 21.1y 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
£56.2k
book net assets
Opportunity
79/100
Strong
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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 64-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (80/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

11 live charges · oldest 21.1y

65/100
clean up first

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

  • · Oldest live charge is 21.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
87 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
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 £56,151

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£56k
↑ 26% YoY
Current Assets
£21k
↓ 69% YoY
Current Liabilities
—
£0£14k£28k£42k£56k£69kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£59.9k£48.0k
Current assets£21.3k£69.5k
Net assets£56.2k£44.5k

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 officers
Counts from Companies House filing history.
Corporate timeline (44 events)Click to expand
  1. 2026-02-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  2. 2026-02-13
    ➕
    QUINE, Madeline Margaret appointed
    director
  3. 2025-12-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2025-03-07
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  5. 2025-03-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2025-01-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2024-12-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2023-11-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2023-01-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2022-12-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2022-09-07
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  12. 2022-09-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2022-09-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2022-09-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2021-12-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2021-03-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2021-02-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2020-05-22
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2019-12-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2017-09-09
    🔓
    Charge satisfied #10
  21. 2017-09-09
    🔓
    Charge satisfied #9
  22. 2017-09-09
    🔓
    Charge satisfied #8
  23. 2017-09-09
    🔓
    Charge satisfied #7
  24. 2017-09-09
    🔓
    Charge satisfied #6
  25. 2017-09-09
    🔓
    Charge satisfied #5
  26. 2017-09-09
    🔓
    Charge satisfied #4
  27. 2017-09-09
    🔓
    Charge satisfied #3
  28. 2017-09-09
    🔓
    Charge satisfied #2
  29. 2017-09-09
    🔓
    Charge satisfied #1
  30. 2014-02-04
    🔓
    Charge satisfied #11
  31. 2007-11-07
    🔒
    Charge registered #11
    Lender: Clydesdale Bank Public Limited Company
  32. 2007-09-05
    🔒
    Charge registered #10
    Lender: Clydesdale Bank Public Limited Company
  33. 2007-06-15
    🔒
    Charge registered #9
    Lender: Clydesdale Bank Public Limited Company
  34. 2007-06-15
    🔒
    Charge registered #8
    Lender: Clydesdale Bank Public Limited Company
  35. 2007-01-23
    🔒
    Charge registered #7
    Lender: Clydesdale Bank Public Limited Company
  36. 2006-12-01
    🔒
    Charge registered #6
    Lender: Clydesdale Bank Public Limited Company
  37. 2005-09-01
    🔒
    Charge registered #5
    Lender: Clydesdale Bank Public Limited Company
  38. 2005-09-01
    🔒
    Charge registered #4
    Lender: Clydesdale Bank Public Limited Company
  39. 2005-09-01
    🔒
    Charge registered #3
    Lender: Clydesdale Bank Public Limited Company
  40. 2005-09-01
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  41. 2005-05-26
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  42. 2005-01-19
    🏢
    Company incorporated
    As A.QUINE (INVESTMENTS) LIMITED
  43. 2005-01-19
    ➕
    QUINE, Madeline Margaret appointed
    secretary
  44. 2005-01-19
    ➕
    QUINE, Adrian Francis appointed
    director

Owner dependency

99/100
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 "QUINE" — strong identity link between founder and business.
  • +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

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 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.
  • 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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Adrian Francis Quine
Individual · British · DOB 02/1967 · age 59
75–100%
75–100%board control75-100% shares · 75-100% voting · board control19/01/2017

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

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
Incorporated2005-01-19
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

51 Rae Street
Dumfries
Dumfriesshire
DG1 1JD
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-15
Last: 2025-09-01

Officers (3 active · 0 resigned)

QUINE, Madeline Margaret→
secretary · appointed 2005-01-19
View their other companies + combined net worth →
Active
QUINE, Adrian Francis→
director · ~59y · appointed 2005-01-19
View their other companies + combined net worth →
Active
QUINE, Madeline Margaret→
director · ~64y · appointed 2026-02-13
View their other companies + combined net worth →
Active

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

Mortgages & charges

11
Total charges
0
Outstanding
0
Active lenders
Status:Lender:11 of 11 shown
TypeProperties
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Legal mortgage1 property07/11/200704/02/2014
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Legal mortgage1 property05/09/200709/09/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Legal mortgage1 property15/06/200709/09/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Legal mortgage1 property15/06/200709/09/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property23/01/200709/09/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Legal mortgage1 property01/12/200609/09/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property01/09/200509/09/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property01/09/200509/09/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property01/09/200509/09/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property01/09/200509/09/2017
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property26/05/200509/09/2017

Recent filings (87 total)

appoint-person-director-company-with-name-date
officers · AP01
2026-02-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-18
change-person-secretary-company-with-change-date
officers · CH03
2025-03-07
change-person-director-company-with-change-date
officers · CH01
2025-03-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-01-27
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-09
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-20
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-01-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-23
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-07
change-person-secretary-company-with-change-date
officers · CH03
2022-09-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-07