KINTILLO INVESTMENTS LIMITED
🌳Matureactive
SC286262 · ltd · incorporated 2005-06-15
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£1.34M
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 74/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
11 live charges · 3 lenders · oldest 20.3y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 20.3 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (82/100)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 (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
11 connected companies via shared directors
78
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
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
65
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £1,336,127
Net assets shrinking
Down £33,186 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£1.3m
↓ 2.4% YoY
Current Assets
£16k
↓ 12% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £1.85M | £1.90M |
| Current assets | £15.8k | £17.9k |
| Net assets | £1.34M | £1.37M |
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 (34 events)Click to expand
- 2025-08-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-08-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-04-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-09-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-09-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-08-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-09-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-09-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-09-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-09-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-09-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-09-15📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2017-09-14🔒Charge registered #11Lender: Santander UK PLC
- 2017-09-14🔒Charge registered #10Lender: Santander UK PLC
- 2017-09-14🔒Charge registered #9Lender: Santander UK PLC
- 2017-09-14🔒Charge registered #8Lender: Santander UK PLC
- 2017-09-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-09-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-08-21🔒Charge registered #7Lender: Santander UK PLC
- 2017-08-21🔒Charge registered #6Lender: Santander UK PLC
- 2017-08-21🔒Charge registered #5Lender: Santander UK PLC
- 2017-08-21🔒Charge registered #4Lender: Santander UK PLC
- 2017-08-21🔒Charge registered #3Lender: Santander UK PLC
- 2016-12-22🔓Charge satisfied #1
- 2016-12-13🔒Charge registered #2Lender: David Douglas Murray
- 2015-09-15➕MURRAY, Sarah Louise appointeddirector
- 2011-07-13➖HORNE, David William Murray resignedsecretary
- 2006-02-03🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2005-06-15🏢Company incorporatedAs KINTILLO INVESTMENTS LIMITED
- 2005-06-15➕MURRAY, David Douglas appointeddirector
- 2005-06-15➕HORNE, David William Murray appointedsecretary
Owner dependency
76/100
High — earn-out structure requiredMaterial 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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- 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 21 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
1 low10 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Sarah Louise Murray Individual · Scottish · DOB 05/1974 · age 52 | 75–100% | — | 75-100% shares | 06/04/2016 |
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 →Similar companies
Active · Property · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| MALZER PROPERTIES LTD→ SC811163 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| MANDAVE HOMES LTD→ SC865551 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MANOR ESTATES ASSOCIATES LIMITED→ SC337537 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| MARK GP (SCOTLAND) LIMITED→ SC333120 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| MASTER TOUCHES LTD→ SC725250 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| MATSON PROPERTIES LIMITED→ SC073073 · est 1980 · no financials extracted | — | — | — | — | 45y | — | — |
| MAURICE NOBLE ESTATES LIMITED→ SC439431 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| MB.ALBA PROJECTS LTD→ SC858545 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MBC PROPERTY EDINBURGH LTD→ SC616199 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| MCCALLUM OIL & GAS CONSULTING LTD.→ SC222708 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| MCDONALD PROPERTY LTD→ SC878764 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| MCDURAN LIMITED→ SC548887 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2005-06-15
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
25 Rutland Street
Edinburgh
EH1 2AE
Scotland
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-06-29
Last: 2025-06-15
Officers (2 active · 1 resigned)
MURRAY, David Douglas→
Activedirector · ~53y · appointed 2005-06-15
View their other companies + combined net worth →
MURRAY, Sarah Louise→
Activedirector · ~52y · appointed 2015-09-15
View their other companies + combined net worth →
HORNE, David William Murray→
Resignedsecretary · appointed 2005-06-15 · resigned 2011-07-13
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
10
Outstanding
2
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Santander Santander UK PLC | A registered charge | 1 property | 14/09/2017 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | 2 properties | 14/09/2017 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | 1 property | 14/09/2017 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | 1 property | 14/09/2017 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | 1 property | 21/08/2017 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | 1 property | 21/08/2017 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | 1 property | 21/08/2017 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | — | 21/08/2017 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | — | 21/08/2017 | — | |
| outstanding | David Douglas Murray | A registered charge | — | 13/12/2016 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 03/02/2006 | 22/12/2016 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (74 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-26
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-10
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-16
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-22
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-16
accounts-with-accounts-type-micro-entity
accounts · AA
2020-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-16
accounts-with-accounts-type-micro-entity
accounts · AA
2019-08-28