TEAM SCOTLAND LTD.

🌳Matureactive
SC282486 · ltd · incorporated 2005-04-01
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 18.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£1.97M
book net assets
Opportunity
83/100
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 63-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 65/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

5 live charges · 2 lenders · oldest 18.3y

50/100
clean up first

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

  • · Oldest live charge is 18.3 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · 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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
60 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
83/100Exceptional
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
85
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 £1,965,723

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£2.0m
~ YoY
Current Assets
£47k
↓ 66% YoY
Current Liabilities
—
£0£393k£786k£1.2m£1.6m£2.0mDec 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£1.97M£1.96M
Current assets£46.8k£138.4k
Net assets£1.97M£1.96M

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 (30 events)Click to expand
  1. 2025-09-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-09-05
    ➖
    SANDS, Helen Boyd resigned
    secretary
  3. 2025-09-05
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  4. 2024-09-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-03-21
    ➕
    MCDOUGALL, Annalisa appointed
    director
  6. 2024-03-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2023-09-22
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2023-09-22
    🔓
    Charge satisfied #4
  9. 2023-09-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2022-11-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2022-09-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2021-06-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2020-10-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2019-07-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2018-08-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2017-08-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2016-08-01
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2016-04-05
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  19. 2014-03-11
    🔒
    Charge registered #5
    Lender: Bank of Scotland PLC
  20. 2012-07-03
    🔒
    Charge registered #4
    Lender: Lloyds Tsb Scotland PLC
  21. 2011-02-23
    🔒
    Charge registered #3
    Lender: Lloyds Tsb Scotland PLC
  22. 2008-02-21
    🔒
    Charge registered #2
    Lender: Lloyds Tsb Scotland PLC
  23. 2008-02-14
    🔒
    Charge registered #1
    Lender: Lloyds Tsb Scotland PLC
  24. 2005-04-01
    🏢
    Company incorporated
    As TEAM SCOTLAND LTD.
  25. 2005-04-01
    ➕
    SANDS, Kevin George appointed
    director
  26. 2005-04-01
    ➕
    SANDS, Helen Boyd appointed
    secretary
  27. 2005-04-01
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  28. 2005-04-01
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  29. 2005-04-01
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  30. 2005-04-01
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

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 63 — approaching natural succession window.

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 63. 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

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 Kevin George Sands
Individual · British · DOB 10/1963 · age 63
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
Incorporated2005-04-01
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

39 Oxgangs Farm Terrace
Edinburgh
EH13 9QB

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-22
Last: 2025-10-08

Officers (2 active · 3 resigned)

MCDOUGALL, Annalisa→
director · ~51y · appointed 2024-03-21
View their other companies + combined net worth →
Active
SANDS, Kevin George→
director · ~63y · appointed 2005-04-01
View their other companies + combined net worth →
Active
SANDS, Helen Boyd→
secretary · appointed 2005-04-01 · resigned 2025-09-05
Resigned
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2005-04-01 · resigned 2005-04-01
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2005-04-01 · resigned 2005-04-01
Resigned

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

Mortgages & charges

5
Total charges
4
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property11/03/2014—
satisfied
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Standard security1 property03/07/201222/09/2023
outstanding
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Standard security1 property23/02/2011—
outstanding
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Standard security1 property21/02/2008—
outstanding
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Bond & floating charge1 property14/02/2008—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (60 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-19
termination-secretary-company-with-name-termination-date
officers · TM02
2025-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-03
appoint-person-director-company-with-name-date
officers · AP01
2024-03-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-19
mortgage-satisfy-charge-full
mortgage · MR04
2023-09-22
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-14
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-11
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-02
accounts-with-accounts-type-micro-entity
accounts · AA
2020-10-12