TEMPLETON PROPERTIES (SCOTLAND) LIMITED
Opportunity 74/100 (strong), bankability 85/100. Strong seller-intent signal (68/100, director aged 51). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: distressed disposal / insolvency (65/100).
Refinance opportunity
4 live charges · oldest 19.1y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 19.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-04-05 | 2024-04-05 |
|---|---|---|
| Total assets | £-22.3k | £-22.6k |
| Current assets | £2.8k | £2.9k |
| Cash | £2.8k | £2.9k |
| Net assets | £-95.2k | £-95.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (29 events)Click to expand
- 2025-08-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-19🔓Charge satisfied #4
- 2021-01-19🔓Charge satisfied #1
- 2020-12-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-09-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-09-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-09-16🔓Charge satisfied #3
- 2020-09-16🔓Charge satisfied #2
- 2019-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-30📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-01-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-08-09📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2007-09-17🔒Charge registered #4Lender: Northern Rock PLC
- 2007-09-17🔒Charge registered #3Lender: Northern Rock PLC
- 2007-06-07🔒Charge registered #2Lender: Northern Rock PLC
- 2007-03-28🔒Charge registered #1Lender: Northern Rock PLC
- 2005-06-27🏢Company incorporatedAs TEMPLETON PROPERTIES (SCOTLAND) LIMITED
- 2005-06-27➕TEMPLETON, Mary appointedsecretary
- 2005-06-27➕TEMPLETON, Heather Margaret appointeddirector
- 2005-06-27➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2005-06-27➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "TEMPLETON" — 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.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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 med ·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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Heather Margaret Templeton Individual · British · DOB 01/1975 · age 51 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 19/03/2018 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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
Registered office
Filing status
Officers (2 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Northern Rock Northern Rock PLC | Standard security | 1 property | 17/09/2007 | 19/01/2021 | |
| satisfied | Northern Rock Northern Rock PLC | Standard security | 1 property | 17/09/2007 | 16/09/2020 | |
| satisfied | Northern Rock Northern Rock PLC | Standard security | 1 property | 07/06/2007 | 16/09/2020 | |
| satisfied | Northern Rock Northern Rock PLC | Bond & floating charge | 1 property | 28/03/2007 | 19/01/2021 |